Assicurazioni Generali S.p.A.
Assicurazioni Generali S.p.A. Fundamental Analysis
Assicurazioni Generali S.p.A. (ARZGF) shows moderate financial fundamentals with a PE ratio of 13.44, profit margin of 7.16%, and ROE of 12.72%. The company generates $53.5B in annual revenue with weak year-over-year growth of -24.09%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 16.0/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze ARZGF's fundamental strength across five key dimensions:
Efficiency Score
WeakARZGF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentARZGF trades at attractive valuation levels.
Growth Score
WeakARZGF faces weak or negative growth trends.
Financial Health Score
WeakARZGF carries high financial risk with limited liquidity.
Profitability Score
WeakARZGF struggles to sustain strong margins.
Key Financial Metrics
Is ARZGF Expensive or Cheap?
P/E Ratio
ARZGF trades at 13.44 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, ARZGF's PEG of -0.31 indicates potential undervaluation.
Price to Book
The market values Assicurazioni Generali S.p.A. at 1.73 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 5.24 times EBITDA. This is generally considered low.
How Well Does ARZGF Make Money?
Net Profit Margin
For every $100 in sales, Assicurazioni Generali S.p.A. keeps $7.16 as profit after all expenses.
Operating Margin
Core operations generate 9.39 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $12.72 in profit for every $100 of shareholder equity.
ROA
Assicurazioni Generali S.p.A. generates $0.71 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Assicurazioni Generali S.p.A. generates strong operating cash flow of $19.01B, reflecting robust business health.
Free Cash Flow
Assicurazioni Generali S.p.A. generates strong free cash flow of $18.50B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $12.18 in free cash annually.
FCF Yield
ARZGF converts 35.91% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
13.44
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.31
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.73
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.96
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.30
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.13
vs 25 benchmark
ROA
Return on assets percentage
0.007
vs 25 benchmark
ROCE
Return on capital employed
0.009
vs 25 benchmark
How ARZGF Stacks Against Its Sector Peers
| Metric | ARZGF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 13.44 | 18.73 | Better (Cheaper) |
| ROE | 12.72% | 847.00% | Weak |
| Net Margin | 7.16% | 2562.00% | Weak |
| Debt/Equity | 1.30 | 0.93 | Weak (High Leverage) |
| Current Ratio | 0.00 | 674.76 | Weak Liquidity |
| ROA | 0.71% | -21692.00% (disorted) | Weak |
ARZGF outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Assicurazioni Generali S.p.A.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-36.25%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
42.13%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-22.93%
Industry Style: Value, Dividend, Cyclical
Declining