Assicurazioni Generali S.p.A. Fundamental Analysis (XETRA: ASG.DE)
Assicurazioni Generali S.p.A. Fundamental Analysis (XETRA: ASG.DE)
Assicurazioni Generali S.p.A. (XETRA: ASG.DE) shows moderate financial fundamentals with a PE ratio of 14.23, profit margin of 5.60%, and ROE of 14.20%. The company generates $81.3B in annual revenue with strong year-over-year growth of 34.05%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 60.5/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze ASG.DE's fundamental strength across five key dimensions:
Efficiency Score
WeakASG.DE struggles to generate sufficient returns from assets.
Valuation Score
ExcellentASG.DE trades at attractive valuation levels.
Growth Score
ExcellentASG.DE delivers strong and consistent growth momentum.
Financial Health Score
WeakASG.DE carries high financial risk with limited liquidity.
Profitability Score
WeakASG.DE struggles to sustain strong margins.
Key Financial Metrics
Is ASG.DE Expensive or Cheap?
P/E Ratio
ASG.DE trades at 14.23 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, ASG.DE's PEG of 0.86 indicates potential undervaluation.
Price to Book
The market values Assicurazioni Generali S.p.A. at 1.97 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 3.72 times EBITDA. This is generally considered low.
How Well Does ASG.DE Make Money?
Net Profit Margin
For every $100 in sales, Assicurazioni Generali S.p.A. keeps $5.60 as profit after all expenses.
Operating Margin
Core operations generate -20.82 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $14.20 in profit for every $100 of shareholder equity.
ROA
Assicurazioni Generali S.p.A. generates $0.78 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 $22.30B, reflecting robust business health.
Free Cash Flow
Assicurazioni Generali S.p.A. generates strong free cash flow of $21.96B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $14.62 in free cash annually.
FCF Yield
ASG.DE converts 34.74% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.23
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.86
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.97
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.78
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.29
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.008
vs 25 benchmark
ROCE
Return on capital employed
-0.03
vs 25 benchmark
How ASG.DE Stacks Against Its Sector Peers
| Metric | ASG.DE Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.23 | 20.33 | Better (Cheaper) |
| ROE | 14.20% | 633.00% | Weak |
| Net Margin | 5.60% | -432.00% (disorted) | Weak |
| Debt/Equity | 1.29 | 0.83 | Weak (High Leverage) |
| Current Ratio | 0.00 | 820.97 | Weak Liquidity |
| ROA | 0.78% | 81.00% | Weak |
ASG.DE 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
-2.62%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
148.01%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
6.68%
Industry Style: Value, Dividend, Cyclical
Growing