Banca Generali S.p.A. Logo

Banca Generali S.p.A.

BGN.MI

(1.8)
Stock Price

42,20 EUR

2.67% ROA

10.95% ROE

11.94x PER

Market Cap.

4.670.550.428,00 EUR

64.25% DER

5.38% Yield

33.31% NPM

Banca Generali S.p.A. Stock Analysis

Banca Generali S.p.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Banca Generali S.p.A. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (23.87%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 DER

The stock has a low debt to equity ratio (50%), which means it has a small amount of debt compared to the ownership it holds

3 ROA

The stock's ROA (1.65%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 Dividend

The company has consistently provided dividends over the past three years, indicating a reliable source of income for investors.

5 Buffet Intrinsic Value

The company's stock seems undervalued (119) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

6 PBV

The stock's high Price-to-Book Value (P/BV) ratio (3.56x) suggests it's overvalued, potentially making it an expensive investment.

7 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

8 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

9 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Graham Number

The Graham number of this company suggests that its stock price may be overvalued, indicating a less favorable investment opportunity.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

Banca Generali S.p.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Banca Generali S.p.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Banca Generali S.p.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Banca Generali S.p.A. Revenue
Year Revenue Growth
2004 97.436.000
2005 115.955.000 15.97%
2006 183.495.000 36.81%
2007 186.587.000 1.66%
2008 156.615.000 -19.14%
2009 250.808.000 37.56%
2010 258.865.000 3.11%
2011 248.559.000 -4.15%
2012 358.637.000 30.69%
2013 406.857.000 11.85%
2014 459.754.000 11.51%
2015 509.684.000 9.8%
2016 450.243.000 -13.2%
2017 549.109.000 18%
2018 533.722.000 -2.88%
2019 666.691.000 19.94%
2020 712.432.000 6.42%
2021 817.260.000 12.83%
2022 737.313.000 -10.84%
2023 599.900.000 -22.91%
2023 781.100.000 23.2%
2024 1.534.800.000 49.11%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Banca Generali S.p.A. Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Banca Generali S.p.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 89.403.000
2005 87.958.000 -1.64%
2006 123.048.000 28.52%
2007 70.836.000 -73.71%
2008 77.509.000 8.61%
2009 80.013.000 3.13%
2010 95.608.000 16.31%
2011 78.563.000 -21.7%
2012 42.916.000 -83.06%
2013 44.687.000 3.96%
2014 56.164.000 20.43%
2015 58.235.000 3.56%
2016 61.896.000 5.91%
2017 61.193.000 -1.15%
2018 68.629.000 10.84%
2019 74.968.000 8.46%
2020 82.252.000 8.86%
2021 95.735.000 14.08%
2022 217.470.000 55.98%
2023 143.220.000 -51.84%
2023 122.900.000 -16.53%
2024 115.600.000 -6.31%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Banca Generali S.p.A. EBITDA
Year EBITDA Growth
2004 23.514.000
2005 29.042.000 19.03%
2006 87.493.000 66.81%
2007 126.540.000 30.86%
2008 126.229.000 -0.25%
2009 105.966.000 -19.12%
2010 108.018.000 1.9%
2011 124.991.000 13.58%
2012 216.821.000 42.35%
2013 217.820.000 0.46%
2014 220.316.000 1.13%
2015 247.064.000 10.83%
2016 193.891.000 -27.42%
2017 250.303.000 22.54%
2018 235.508.000 -6.28%
2019 364.115.000 35.32%
2020 386.486.000 5.79%
2021 437.280.000 11.62%
2022 344.646.000 -26.88%
2023 437.680.000 21.26%
2023 483.700.000 9.51%
2024 40.800.000 -1085.54%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Banca Generali S.p.A. Gross Profit
Year Gross Profit Growth
2004 97.436.000
2005 115.955.000 15.97%
2006 183.495.000 36.81%
2007 186.587.000 1.66%
2008 156.615.000 -19.14%
2009 250.808.000 37.56%
2010 258.865.000 3.11%
2011 248.559.000 -4.15%
2012 358.637.000 30.69%
2013 406.857.000 11.85%
2014 459.754.000 11.51%
2015 509.684.000 9.8%
2016 450.243.000 -13.2%
2017 549.109.000 18%
2018 533.722.000 -2.88%
2019 666.691.000 19.94%
2020 712.432.000 6.42%
2021 817.260.000 12.83%
2022 737.313.000 -10.84%
2023 599.900.000 -22.91%
2023 781.100.000 23.2%
2024 1.534.800.000 49.11%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Banca Generali S.p.A. Net Profit
Year Net Profit Growth
2004 5.186.000
2005 1.656.000 -213.16%
2006 14.023.000 88.19%
2007 15.288.000 8.27%
2008 11.805.000 -29.5%
2009 65.558.000 81.99%
2010 86.351.000 24.08%
2011 77.374.000 -11.6%
2012 129.212.000 40.12%
2013 141.256.000 8.53%
2014 160.905.000 12.21%
2015 203.559.000 20.95%
2016 155.894.000 -30.58%
2017 204.105.000 23.62%
2018 180.126.000 -13.31%
2019 272.122.000 33.81%
2020 274.919.000 1.02%
2021 323.103.000 14.91%
2022 213.034.000 -51.67%
2023 320.200.000 33.47%
2023 326.136.000 1.82%
2024 470.368.000 30.66%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Banca Generali S.p.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 100%
2013 1 0%
2014 1 0%
2015 2 0%
2016 1 0%
2017 2 0%
2018 2 0%
2019 2 50%
2020 2 0%
2021 3 0%
2022 2 -100%
2023 0 0%
2023 3 100%
2024 4 50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Banca Generali S.p.A. Free Cashflow
Year Free Cashflow Growth
2004 -4.108.000
2005 7.237.000 156.76%
2006 55.939.000 87.06%
2007 12.910.000 -333.3%
2008 80.881.000 84.04%
2009 52.103.000 -55.23%
2010 -8.688.000 699.71%
2011 925.739.000 100.94%
2012 1.525.153.000 39.3%
2013 -222.370.000 785.86%
2014 -1.000.343.000 77.77%
2015 -919.661.000 -8.77%
2016 925.344.000 199.39%
2017 362.362.000 -155.36%
2018 607.709.000 40.37%
2019 -346.097.000 275.59%
2020 63.693.000 643.38%
2021 1.157.444.000 94.5%
2022 -611.971.000 289.13%
2023 286.723.000 313.44%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Banca Generali S.p.A. Operating Cashflow
Year Operating Cashflow Growth
2004 2.227.000
2005 25.921.000 91.41%
2006 62.006.000 58.2%
2007 17.698.000 -250.36%
2008 82.423.000 78.53%
2009 55.274.000 -49.12%
2010 -7.231.000 864.4%
2011 928.664.000 100.78%
2012 1.529.325.000 39.28%
2013 -218.983.000 798.38%
2014 -996.864.000 78.03%
2015 -915.011.000 -8.95%
2016 935.992.000 197.76%
2017 371.088.000 -152.23%
2018 620.745.000 40.22%
2019 -328.632.000 288.89%
2020 78.968.000 516.16%
2021 1.172.408.000 93.26%
2022 -592.133.000 298%
2023 314.286.000 288.41%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Banca Generali S.p.A. Capital Expenditure
Year Capital Expenditure Growth
2004 6.335.000
2005 18.684.000 66.09%
2006 6.067.000 -207.96%
2007 4.788.000 -26.71%
2008 1.542.000 -210.51%
2009 3.171.000 51.37%
2010 1.457.000 -117.64%
2011 2.925.000 50.19%
2012 4.172.000 29.89%
2013 3.387.000 -23.18%
2014 3.479.000 2.64%
2015 4.650.000 25.18%
2016 10.648.000 56.33%
2017 8.726.000 -22.03%
2018 13.036.000 33.06%
2019 17.465.000 25.36%
2020 15.275.000 -14.34%
2021 14.964.000 -2.08%
2022 19.838.000 24.57%
2023 27.563.000 28.03%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Banca Generali S.p.A. Equity
Year Equity Growth
2004 212.164.000
2005 212.142.000 -0.01%
2006 205.240.000 -3.36%
2007 207.967.000 1.31%
2008 217.281.000 4.29%
2009 268.481.000 19.07%
2010 281.219.000 4.53%
2011 262.421.000 -7.16%
2012 395.120.000 33.58%
2013 469.132.000 15.78%
2014 536.308.000 12.53%
2015 636.798.000 15.78%
2016 646.521.000 1.5%
2017 736.070.000 12.17%
2018 734.875.000 -0.16%
2019 917.668.000 19.92%
2020 1.184.504.000 22.53%
2021 1.105.867.000 -7.11%
2022 1.068.520.000 -3.5%
2023 10.685.000.000 90%
2023 1.134.135.000 -842.13%
2024 1.161.877.000 2.39%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Banca Generali S.p.A. Assets
Year Assets Growth
2004 2.246.626.000
2005 2.395.319.000 6.21%
2006 3.580.075.000 33.09%
2007 4.211.318.000 14.99%
2008 4.068.028.000 -3.52%
2009 3.988.116.000 -2%
2010 3.807.888.000 -4.73%
2011 4.548.889.000 16.29%
2012 7.317.265.000 37.83%
2013 6.602.654.000 -10.82%
2014 6.140.237.000 -7.53%
2015 6.116.017.000 -0.4%
2016 8.356.735.000 26.81%
2017 8.991.011.000 7.05%
2018 9.735.894.000 7.65%
2019 11.765.576.000 17.25%
2020 13.176.989.000 10.71%
2021 16.191.610.000 18.62%
2022 17.266.849.000 6.23%
2023 172.668.000.000 90%
2023 15.547.605.000 -1010.58%
2024 14.746.383.000 -5.43%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Banca Generali S.p.A. Liabilities
Year Liabilities Growth
2004 4.423.000
2005 40.000 -10957.5%
2006 0 0%
2007 0 0%
2008 178.094.000 100%
2009 757.000 -23426.29%
2010 189.000 -300.53%
2011 0 0%
2012 6.922.145.000 100%
2013 6.133.522.000 -12.86%
2014 5.603.929.000 -9.45%
2015 5.479.219.000 -2.28%
2016 7.710.214.000 28.94%
2017 8.254.941.000 6.6%
2018 9.001.019.000 8.29%
2019 10.847.908.000 17.03%
2020 11.992.485.000 9.54%
2021 15.085.743.000 20.5%
2022 16.198.329.000 6.87%
2023 14.353.800.000 -12.85%
2023 568.389.000 -2425.35%
2024 13.584.506.000 95.82%

Banca Generali S.p.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
10.28
Net Income per Share
3.42
Price to Earning Ratio
11.94x
Price To Sales Ratio
3.98x
POCF Ratio
113.7
PFCF Ratio
113.82
Price to Book Ratio
4.02
EV to Sales
4.07
EV Over EBITDA
20.29
EV to Operating CashFlow
116.23
EV to FreeCashFlow
116.23
Earnings Yield
0.08
FreeCashFlow Yield
0.01
Market Cap
4,67 Bil.
Enterprise Value
4,77 Bil.
Graham Number
28.01
Graham NetNet
-120.53

Income Statement Metrics

Net Income per Share
3.42
Income Quality
0.11
ROE
0.11
Return On Assets
0.03
Return On Capital Employed
0.13
Net Income per EBT
0.75
EBT Per Ebit
1.44
Ebit per Revenue
0.31
Effective Tax Rate
0.25

Margins

Sales, General, & Administrative to Revenue
0.11
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.31
Pretax Profit Margin
0.45
Net Profit Margin
0.33

Dividends

Dividend Yield
0.05
Dividend Yield %
5.38
Payout Ratio
0
Dividend Per Share
2.2

Operating Metrics

Operating Cashflow per Share
0.36
Free CashFlow per Share
0.36
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.14
Return on Tangible Assets
0.03
Days Sales Outstanding
27.98
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
13.04
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
-3,31
Book Value per Share
10,18
Tangible Book Value per Share
8.93
Shareholders Equity per Share
10.18
Interest Debt per Share
7.21
Debt to Equity
0.64
Debt to Assets
0.05
Net Debt to EBITDA
0.42
Current Ratio
0.09
Tangible Asset Value
1,02 Bil.
Net Current Asset Value
-12,53 Bil.
Invested Capital
-10664773000
Working Capital
-10,94 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,04 Bil.
Average Payables
0,06 Bil.
Average Inventory
143744500
Debt to Market Cap
0.16

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Banca Generali S.p.A. Dividends
Year Dividends Growth
2007 0
2008 0 0%
2009 0 0%
2010 0 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 100%
2017 1 0%
2018 1 0%
2019 1 0%
2020 2 0%
2021 3 66.67%
2022 2 -200%
2023 2 0%
2024 2 50%
2025 1 0%

Banca Generali S.p.A. Profile

About Banca Generali S.p.A.

Banca Generali S.p.A. distributes financial products and services for affluent and private customers through financial advisors primarily in Italy. It operates through Wealth Management Cash-Generating Unit (CGU) and Private Banking CGU segments. The company offers asset management products, such as portfolio management, investment advisory and mutual fund management, and managed solutions consisting of funds and Sicavs, and financial and insurance wrappers; banking products and services; insurance products; and trade finance services. It operates 218 bank branches and financial advisor offices. The company was founded in 1997 and is headquartered in Trieste, Italy.

CEO
Mr. Gian Maria Mossa
Employee
1.041
Address
Via Machiavelli 4
Trieste, 34132

Banca Generali S.p.A. Executives & BODs

Banca Generali S.p.A. Executives & BODs
# Name Age
1 Ms. Valentina Frezza
Head of Human Resources
70
2 Mr. Stefano Insaghi
Head of Business Support Department
70
3 Mr. Antonio Bucci
Head of Risk Direction & Capital Adequacy
70
4 Mr. Tommaso Di Russo
Head of Strategy, Chief Financial Officer & Manager of Financial Reports
70
5 Mr. Matteo Canali
Head of Compliance & Anti Money Laundering Department
70
6 Mr. Carmelo Reale
Head of the General Counsel, Group Sustainability Area & Secretary of the Board
70
7 Mr. Michele Seghizzi
Head of Marketing & External Relations Department
70
8 Mr. Gian Maria Mossa
GM, Chief Executive Officer & Executive Director
70
9 Mr. Riccardo Renna
Chief Operation Officer & Innovation
70
10 Ms. Giuliana Pagliari
Head of Investor Relations
70

Banca Generali S.p.A. Competitors