Stock G GENERALI
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Financials Generali

Equities

G

IT0000062072

Life & Health Insurance

Market Closed - Borsa Italiana
Other stock markets
 09:14:59 26/04/2024 pm IST 		5-day change 1st Jan Change
22.8 EUR +0.18% Intraday chart for Generali +0.57% +19.34%
25/04 Price spiral in car insurance - 20 percent more expensive DP
24/04 Generali approves new EUR500 million buyback plan AN

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 28,870 22,385 29,338 25,704 29,467 35,391 - -
Enterprise Value (EV) 1 29,713 22,166 29,338 67,114 66,483 75,856 75,501 75,130
P/E ratio 10.9 x 13.1 x 10.5 x 9.03 x 7.86 x 9.47 x 8.77 x 8.25 x
Yield 5.22% 7.08% 5.74% 6.98% 6.7% 6.03% 6.39% 6.84%
Capitalization / Revenue 0.41 x 0.32 x 0.39 x 0.32 x 0.36 x 0.41 x 0.4 x 0.38 x
EV / Revenue 0.43 x 0.31 x 0.39 x 0.82 x 0.81 x 0.88 x 0.86 x 0.81 x
EV / EBITDA - - - - - - - -
EV / FCF - 1.21 x 1.65 x 6.78 x 55.2 x 21.3 x 20.1 x 19.7 x
FCF Yield - 82.6% 60.7% 14.7% 1.81% 4.69% 4.98% 5.07%
Price to Book 1.02 x 0.75 x 1 x 1.59 x 1.04 x 1.16 x 1.1 x 1.02 x
Nbr of stocks (in thousands) 15,69,463 15,69,743 15,74,760 15,47,045 15,42,345 15,52,215 - -
Reference price 2 18.40 14.26 18.63 16.62 19.10 22.80 22.80 22.80
Announcement Date 13/03/20 11/03/21 15/03/22 14/03/23 12/03/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 69,785 70,704 75,825 81,538 82,466 85,849 88,221 92,469
EBITDA - - - - - - - -
EBIT 1 5,192 5,208 5,852 6,509 6,879 7,269 7,718 8,076
Operating Margin 7.44% 7.37% 7.72% 7.98% 8.34% 8.47% 8.75% 8.73%
Earnings before Tax (EBT) 1 3,587 3,390 4,580 4,738 5,574 6,131 6,588 6,935
Net income 1 2,670 1,744 2,847 2,912 3,747 3,772 4,049 4,283
Net margin 3.83% 2.47% 3.75% 3.57% 4.54% 4.39% 4.59% 4.63%
EPS 2 1.680 1.090 1.780 1.840 2.430 2.408 2.600 2.762
Free Cash Flow 1 - 18,302 17,814 9,899 1,205 3,559 3,758 3,810
FCF margin - 25.89% 23.49% 12.14% 1.46% 4.15% 4.26% 4.12%
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - 1,049.43% 625.71% 339.94% 32.16% 94.35% 92.81% 88.97%
Dividend per Share 2 0.9600 1.010 1.070 1.160 1.280 1.374 1.456 1.559
Announcement Date 13/03/20 11/03/21 15/03/22 14/03/23 12/03/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2019 S2 2020 S1 2020 S2 2021 S1 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 S1 2022 Q3 2022 Q4 2022 S2 2023 Q2 2023 S1 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales - 36,478 34,226 38,093 - 20,926 22,322 19,558 41,880 17,952 21,706 39,658 20,074 42,237 - 22,005 - - - - -
EBITDA - - - - - - - - - - - - - - - - - - - - -
EBIT - 2,714 2,494 2,996 1,429 1,427 1,626 1,514 3,140 1,630 1,739 - 1,901 3,721 1,379 1,779 - - - - -
Operating Margin - 7.44% 7.29% 7.86% - 6.82% 7.28% 7.74% 7.5% 9.08% 8.01% - 9.47% 8.81% - 8.08% - - - - -
Earnings before Tax (EBT) - 1,092 2,298 - - - - - 2,397 - - - - - - - - - - - -
Net income 881 774 970 1,540 710 597 727 675 1,402 831 679 - 1,044 2,243 579 - - - - - -
Net margin - 2.12% 2.83% 4.04% - 2.85% 3.26% 3.45% 3.35% 4.63% 3.13% - 5.2% 5.31% - - - - - - -
EPS - 0.4800 0.6100 0.9800 0.4500 0.3500 0.4600 0.4200 0.8800 0.5400 0.4200 0.9600 - - - - - - - - -
Dividend per Share 1 - - - - - 1.070 - - - - 1.160 - - - - 1.280 - - - 1.344 -
Announcement Date 13/03/20 30/07/20 11/03/21 03/08/21 11/11/21 15/03/22 19/05/22 02/08/22 02/08/22 10/11/22 14/03/23 14/03/23 09/08/23 09/08/23 17/11/23 12/03/24 - - - - -
1EUR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 843 - - 41,410 37,016 40,466 40,110 39,739
Net Cash position 1 - 219 - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow 1 - 18,302 17,814 9,899 1,205 3,559 3,758 3,810
ROE (net income / shareholders' equity) 10.3% 5.97% 9.6% 12.8% 13.5% 12.7% 13% 11.8%
ROA (Net income/ Total Assets) 0.52% 0.33% 0.5% 0.53% 0.74% 0.68% 0.69% 0.69%
Assets 1 5,15,245 5,29,608 5,65,464 5,52,667 5,05,921 5,57,198 5,90,713 6,21,103
Book Value Per Share 2 18.10 19.10 18.60 10.50 18.40 19.70 20.60 22.40
Cash Flow per Share - - - - - - - -
Capex 1 - 10,445 334 - 527 404 411 417
Capex / Sales - 14.77% 0.44% - 0.64% 0.47% 0.47% 0.45%
Announcement Date 13/03/20 11/03/21 15/03/22 14/03/23 12/03/24 - - -
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Generali

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
18
Last Close Price
22.8 EUR
Average target price
22.93 EUR
Spread / Average Target
+0.58%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

Sector Other Life & Health Insurance

1st Jan change Capi.
GENERALI Stock Generali
+19.34% 37.78B
AXA Stock AXA
+14.78% 79.51B
METLIFE, INC. Stock MetLife, Inc.
+6.49% 50.92B
AFLAC INCORPORATED Stock Aflac Incorporated
+1.35% 48.11B
PRUDENTIAL FINANCIAL, INC. Stock Prudential Financial, Inc.
+6.55% 39.71B
SUN LIFE FINANCIAL INC. Stock Sun Life Financial Inc.
+2.84% 30.07B
GREAT-WEST LIFECO INC. Stock Great-West Lifeco Inc.
-7.77% 27.56B
PRUDENTIAL PLC Stock Prudential plc
-18.42% 24.71B
CATHAY FINANCIAL HOLDING CO., LTD. Stock Cathay Financial Holding Co., Ltd.
+6.89% 21.99B
DAI-ICHI LIFE HOLDINGS, INC. Stock Dai-ichi Life Holdings, Inc.
+20.69% 21.68B
Other Life & Health Insurance
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