Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Logo

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München

MURGF

(2.8)
Stock Price

498,25 USD

2.19% ROA

20% ROE

10.71x PER

Market Cap.

63.448.920.161,94 USD

25.19% DER

3.38% Yield

8.97% NPM

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Stock Analysis

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München 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.

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (18.34%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 DER

The stock has a low debt to equity ratio (17%), which means it has a small amount of debt compared to the ownership it holds

3 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

4 ROA

The stock's ROA (1.73%) 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.

5 PBV

The stock's PBV ratio (1.83x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

6 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

7 Net Profit Growth

The net profit of this company has shown steady growth over the past three years, highlighting its positive financial trajectory and making it an appealing choice for potential investors.

8 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (7.461) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

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 remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München 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.

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München 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.

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Revenue
Year Revenue Growth
2003 45.959.000.000
2004 46.022.000.000 0.14%
2005 48.493.000.000 5.1%
2006 49.880.000.000 2.78%
2007 53.122.000.000 6.1%
2008 60.345.000.000 11.97%
2009 59.583.000.000 -1.28%
2010 64.135.000.000 7.1%
2011 60.908.000.000 -5.3%
2012 59.889.000.000 -1.7%
2013 57.927.000.000 -3.39%
2014 55.869.000.000 -3.68%
2015 55.862.000.000 -0.01%
2016 55.157.000.000 -1.28%
2017 55.334.000.000 0.32%
2018 51.579.000.000 -7.28%
2019 57.310.000.000 10%
2020 58.639.000.000 2.27%
2021 63.860.000.000 8.18%
2022 68.452.000.000 6.71%
2023 57.904.000.000 -18.22%
2023 64.732.000.000 10.55%
2024 69.560.000.000 6.94%

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.

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 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.

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 0
2004 0 0%
2005 2.219.000.000 100%
2006 2.155.000.000 -2.97%
2007 2.177.000.000 1.01%
2008 2.216.000.000 1.76%
2009 8.267.000.000 73.19%
2010 9.209.000.000 10.23%
2011 5.897.000.000 -56.16%
2012 2.794.000.000 -111.06%
2013 2.740.000.000 -1.97%
2014 2.737.000.000 -0.11%
2015 2.990.000.000 8.46%
2016 2.945.000.000 -1.53%
2017 2.962.000.000 0.57%
2018 3.027.000.000 2.15%
2019 3.325.000.000 8.96%
2020 2.841.000.000 -17.04%
2021 3.003.000.000 5.39%
2022 3.399.000.000 11.65%
2023 8.032.000.000 57.68%
2023 8.617.000.000 6.79%
2024 8.828.000.000 2.39%

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.

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München EBITDA
Year EBITDA Growth
2003 2.046.000.000
2004 2.889.000.000 29.18%
2005 4.137.000.000 30.17%
2006 5.510.000.000 24.92%
2007 5.105.000.000 -7.93%
2008 3.293.000.000 -55.03%
2009 4.206.000.000 21.71%
2010 3.415.000.000 -23.16%
2011 448.000.000 -662.28%
2012 4.587.000.000 90.23%
2013 3.864.000.000 -18.71%
2014 3.200.000.000 -20.75%
2015 3.918.000.000 18.33%
2016 3.650.000.000 -7.34%
2017 419.000.000 -771.12%
2018 3.168.000.000 86.77%
2019 2.977.000.000 -6.42%
2020 1.539.000.000 -93.44%
2021 2.408.000.000 36.09%
2022 4.298.000.000 43.97%
2023 5.944.000.000 27.69%
2023 659.000.000 -801.97%
2024 736.000.000 10.46%

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.

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Gross Profit
Year Gross Profit Growth
2003 45.959.000.000
2004 46.022.000.000 0.14%
2005 48.493.000.000 5.1%
2006 49.880.000.000 2.78%
2007 53.122.000.000 6.1%
2008 60.345.000.000 11.97%
2009 59.583.000.000 -1.28%
2010 64.135.000.000 7.1%
2011 60.908.000.000 -5.3%
2012 59.889.000.000 -1.7%
2013 57.927.000.000 -3.39%
2014 55.869.000.000 -3.68%
2015 55.862.000.000 -0.01%
2016 55.157.000.000 -1.28%
2017 55.334.000.000 0.32%
2018 51.579.000.000 -7.28%
2019 57.310.000.000 10%
2020 58.639.000.000 2.27%
2021 63.860.000.000 8.18%
2022 68.452.000.000 6.71%
2023 57.904.000.000 -18.22%
2023 64.732.000.000 10.55%
2024 69.560.000.000 6.94%

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.

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Net Profit
Year Net Profit Growth
2003 -434.000.000
2004 1.887.000.000 123%
2005 2.751.000.000 31.41%
2006 3.519.000.000 21.82%
2007 3.923.000.000 10.3%
2008 1.579.000.000 -148.45%
2009 2.564.000.000 38.42%
2010 2.430.000.000 -5.51%
2011 702.000.000 -246.15%
2012 3.188.000.000 77.98%
2013 3.304.000.000 3.51%
2014 3.152.000.000 -4.82%
2015 3.107.000.000 -1.45%
2016 2.580.000.000 -20.43%
2017 375.000.000 -588%
2018 2.310.000.000 83.77%
2019 2.724.000.000 15.2%
2020 1.211.000.000 -124.94%
2021 2.933.000.000 58.71%
2022 3.432.000.000 14.54%
2023 4.612.000.000 25.59%
2023 4.606.000.000 -0.13%
2024 6.496.000.000 29.09%

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.

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 -2
2004 8 125%
2005 12 27.27%
2006 15 26.67%
2007 18 11.76%
2008 8 -142.86%
2009 13 41.67%
2010 13 7.69%
2011 4 -333.33%
2012 18 82.35%
2013 18 5.56%
2014 18 0%
2015 19 0%
2016 16 -12.5%
2017 2 -700%
2018 16 86.67%
2019 19 16.67%
2020 9 -125%
2021 21 60%
2022 25 16.67%
2023 34 27.27%
2023 34 0%
2024 49 31.25%

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.

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Free Cashflow
Year Free Cashflow Growth
2003 3.145.000.000
2004 5.308.000.000 40.75%
2005 6.119.000.000 13.25%
2006 6.886.000.000 11.14%
2007 6.628.000.000 -3.89%
2008 8.428.000.000 21.36%
2009 8.654.000.000 2.61%
2010 8.836.000.000 2.06%
2011 6.075.000.000 -45.45%
2012 5.535.000.000 -9.76%
2013 2.187.000.000 -153.09%
2014 7.527.000.000 70.94%
2015 4.327.000.000 -73.95%
2016 3.132.000.000 -38.15%
2017 1.833.000.000 -70.87%
2018 2.998.000.000 38.86%
2019 15.680.000.000 80.88%
2020 7.219.000.000 -117.2%
2021 5.226.000.000 -38.14%
2022 -18.315.000.000 128.53%
2023 5.483.000.000 434.03%
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.

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Operating Cashflow
Year Operating Cashflow Growth
2003 3.145.000.000
2004 5.308.000.000 40.75%
2005 6.119.000.000 13.25%
2006 6.886.000.000 11.14%
2007 6.628.000.000 -3.89%
2008 8.428.000.000 21.36%
2009 8.654.000.000 2.61%
2010 8.836.000.000 2.06%
2011 6.075.000.000 -45.45%
2012 5.535.000.000 -9.76%
2013 2.187.000.000 -153.09%
2014 7.527.000.000 70.94%
2015 4.327.000.000 -73.95%
2016 3.132.000.000 -38.15%
2017 1.833.000.000 -70.87%
2018 2.998.000.000 38.86%
2019 9.493.000.000 68.42%
2020 7.219.000.000 -31.5%
2021 5.226.000.000 -38.14%
2022 -7.644.000.000 168.37%
2023 5.829.000.000 231.14%
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.

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Capital Expenditure
Year Capital Expenditure Growth
2003 0
2004 0 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 -6.187.000.000 100%
2020 0 0%
2021 0 0%
2022 10.671.000.000 100%
2023 346.000.000 -2984.1%
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.

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Equity
Year Equity Growth
2003 19.767.000.000
2004 20.196.000.000 2.12%
2005 24.653.000.000 18.08%
2006 26.429.000.000 6.72%
2007 25.458.000.000 -3.81%
2008 21.256.000.000 -19.77%
2009 22.278.000.000 4.59%
2010 23.028.000.000 3.26%
2011 23.309.000.000 1.21%
2012 27.423.000.000 15%
2013 26.226.000.000 -4.56%
2014 30.304.000.000 13.46%
2015 30.965.000.000 2.13%
2016 31.784.000.000 2.58%
2017 28.198.000.000 -12.72%
2018 26.500.000.000 -6.41%
2019 30.576.000.000 13.33%
2020 29.994.000.000 -1.94%
2021 30.945.000.000 3.07%
2022 21.202.000.000 -45.95%
2023 27.437.000.000 22.72%
2023 29.772.000.000 7.84%
2024 30.696.000.000 3.01%

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.

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Assets
Year Assets Growth
2003 208.901.000.000
2004 214.250.000.000 2.5%
2005 218.176.000.000 1.8%
2006 215.874.000.000 -1.07%
2007 214.253.000.000 -0.76%
2008 215.417.000.000 0.54%
2009 223.412.000.000 3.58%
2010 236.358.000.000 5.48%
2011 247.580.000.000 4.53%
2012 258.360.000.000 4.17%
2013 254.288.000.000 -1.6%
2014 272.979.000.000 6.85%
2015 276.520.000.000 1.28%
2016 267.805.000.000 -3.25%
2017 265.722.000.000 -0.78%
2018 270.168.000.000 1.65%
2019 287.553.000.000 6.05%
2020 297.946.000.000 3.49%
2021 312.405.000.000 4.63%
2022 298.570.000.000 -4.63%
2023 263.780.000.000 -13.19%
2023 269.779.000.000 2.22%
2024 276.052.000.000 2.27%

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.

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Liabilities
Year Liabilities Growth
2003 189.134.000.000
2004 194.054.000.000 2.54%
2005 193.523.000.000 -0.27%
2006 189.445.000.000 -2.15%
2007 188.795.000.000 -0.34%
2008 194.161.000.000 2.76%
2009 201.134.000.000 3.47%
2010 213.330.000.000 5.72%
2011 224.271.000.000 4.88%
2012 230.937.000.000 2.89%
2013 228.062.000.000 -1.26%
2014 242.675.000.000 6.02%
2015 245.555.000.000 1.17%
2016 236.021.000.000 -4.04%
2017 237.524.000.000 0.63%
2018 243.668.000.000 2.52%
2019 256.977.000.000 5.18%
2020 267.952.000.000 4.1%
2021 281.460.000.000 4.8%
2022 277.368.000.000 -1.48%
2023 6.612.000.000 -4094.92%
2023 240.007.000.000 97.25%
2024 245.356.000.000 2.18%

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
496
Net Income per Share
44.49
Price to Earning Ratio
10.71x
Price To Sales Ratio
0.96x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
2.08
EV to Sales
0.99
EV Over EBITDA
23.05
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.09
FreeCashFlow Yield
0
Market Cap
63,45 Bil.
Enterprise Value
65,61 Bil.
Graham Number
478.68
Graham NetNet
-1795.21

Income Statement Metrics

Net Income per Share
44.49
Income Quality
0
ROE
0.2
Return On Assets
0.02
Return On Capital Employed
0.02
Net Income per EBT
0.83
EBT Per Ebit
1.34
Ebit per Revenue
0.08
Effective Tax Rate
0.19

Margins

Sales, General, & Administrative to Revenue
0.14
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.97
Operating Profit Margin
0.08
Pretax Profit Margin
0.11
Net Profit Margin
0.09

Dividends

Dividend Yield
0.03
Dividend Yield %
3.38
Payout Ratio
0
Dividend Per Share
16.1

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.11
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
41,47
Book Value per Share
229,78
Tangible Book Value per Share
197.15
Shareholders Equity per Share
228.91
Interest Debt per Share
58.97
Debt to Equity
0.25
Debt to Assets
0.03
Net Debt to EBITDA
0.76
Current Ratio
8.41
Tangible Asset Value
26,34 Bil.
Net Current Asset Value
-221,76 Bil.
Invested Capital
26741000000
Working Capital
20,79 Bil.
Intangibles to Total Assets
0.02
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.12

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.

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Dividends
Year Dividends Growth
2014 10
2015 8 -25%
2016 9 11.11%
2017 9 0%
2018 10 10%
2019 10 0%
2020 11 0%
2021 12 9.09%
2022 12 0%
2023 13 8.33%
2024 16 25%

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Profile

About Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München engages in the insurance and reinsurance businesses worldwide. The company operates through five segments: Life and Health Reinsurance; Property-Casualty Reinsurance; ERGO Life and Health Germany; ERGO Property-Casualty Germany; and ERGO International. It offers life and health reinsurance solutions, such as financial market risks, data analytics, claims handling and underwriting, medical research, health market, capital management, and digital underwriting and analytics, as well as MIRA digital suite; and property and casualty reinsurance solutions, including agricultural risk, data analytics, infrastructure risk profiler, remote inspection, retroactive reinsurance, insurance linked securities, location risk, risk transfer, and cyber, as well as NatCatSERVICE for natural catastrophe loss database, REALYTIX ZERO, IMPROVEX, cert2go, consulting for product development, prospective structured reinsurance, and Vahana AI for motor claims. The company also provides solutions for industry clients, such as IoT cover, earnings quality insurance protection, captive insurance and risk transfer, liability, weather risks, space and satellite insurance, bioenergy plant performance insurance, solar energy insurance, wind farm insurance, mining insurance, construction projects covers and services, aviation insurance, power and utilities, oil and gas companies insurance, industrial cyber insurance, risk suite, data and location risk intelligence, digital risks, PV warranty insurance, parametric, Insure AI, liquidation damage cover, and natural catastrophes solutions. In addition, it offers life, property-casualty, health, legal protection, and travel insurance products under the ERGO brand name. The company was founded in 1880 and is based in Munich, Germany.

CEO
Dr. Torsten Jeworrek
Employee
43.306
Address
KOeniginstrasse 107
Munich, 80802

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Executives & BODs

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Executives & BODs
# Name Age
1 Dr. Thomas Blunck
Member of Management Board
70
2 Dr. Markus Riess
Head of Economics, Sustainability & Public Affairs and Member of Management Board
70
3 Mr. Stefan Heinrich Golling
Member of Management Board
70
4 Mr. Nicholas J. Gartside C.F.A.
Chief Investment Officer & Member of Management Board
70
5 Dr. Joachim Wenning
Chairman of Management Board
70
6 Dr. Achim Kassow
Labour Relations Director & Member of Management Board
70
7 Dr. Torsten Jeworrek
Chief Executive Officer of Reinsurance Business
70
8 Ms. Clarisse Kopff
Member of Management Board
70
9 Ms. Mari Lizette Malherbe
Member of Management Board
70
10 Dr. Christoph Jurecka
Chief Financial Officer & Member of Management Board
70

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München Competitors