Hannover Rück SE
Hannover Rück SE Fundamental Analysis
Hannover Rück SE (HVRRY) shows strong financial fundamentals with a PE ratio of 10.84, profit margin of 11.00%, and ROE of 21.97%. The company generates $26.0B in annual revenue with moderate year-over-year growth of 9.09%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 59.1/100 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 HVRRY's fundamental strength across five key dimensions:
Efficiency Score
WeakHVRRY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentHVRRY trades at attractive valuation levels.
Growth Score
ExcellentHVRRY delivers strong and consistent growth momentum.
Financial Health Score
ModerateHVRRY shows balanced financial health with some risks.
Profitability Score
ModerateHVRRY maintains healthy but balanced margins.
Key Financial Metrics
Is HVRRY Expensive or Cheap?
P/E Ratio
HVRRY trades at 10.84 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, HVRRY's PEG of 1.42 indicates fair valuation.
Price to Book
The market values Hannover Rück SE at 2.22 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 2.93 times EBITDA. This is generally considered low.
How Well Does HVRRY Make Money?
Net Profit Margin
For every $100 in sales, Hannover Rück SE keeps $11.00 as profit after all expenses.
Operating Margin
Core operations generate 14.21 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $21.97 in profit for every $100 of shareholder equity.
ROA
Hannover Rück SE generates $3.70 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Hannover Rück SE produces operating cash flow of $6.12B, showing steady but balanced cash generation.
Free Cash Flow
Hannover Rück SE produces free cash flow of $2.41B, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $3.32 in free cash annually.
FCF Yield
HVRRY converts 7.23% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.84
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.42
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.22
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.29
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.32
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.22
vs 25 benchmark
ROA
Return on assets percentage
0.04
vs 25 benchmark
ROCE
Return on capital employed
0.05
vs 25 benchmark
How HVRRY Stacks Against Its Sector Peers
| Metric | HVRRY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.84 | 18.99 | Better (Cheaper) |
| ROE | 21.97% | 812.00% | Weak |
| Net Margin | 11.00% | 1310.00% | Weak |
| Debt/Equity | 0.32 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 644.08 | Weak Liquidity |
| ROA | 3.70% | -21307.00% (disorted) | Weak |
HVRRY outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Hannover Rück SE's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
15.66%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
198.96%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-100.00%
Industry Style: Value, Dividend, Cyclical
Declining