0.72%
10.98%
19.88%
28.00%
48.04%
64.85%
74.13%
AI Spotlight on G
Company Description
Assicurazioni Generali S.p.A. provides various insurance solutions.The company operates through four segments: Non-Life; Life; Asset Management; and Holding and Other Business.It offers saving and protection insurance products for individuals and family; unit linked products with investment purposes; and motor, motor third-party liability, casualty, accident, health, and commercial and industrial risks insurance products.
The company also provides equity and fixed-income funds, and alternative products; and investment advisory, asset management, and financial planning services.It operates in Italy, France, Germany, Austria, Czech Republic, Poland, Hungary, Slovakia, Serbia, Montenegro, Romania, Slovenia, Bulgaria, Croatia, Russia, Spain, Switzerland, the Americas, Southern Europe, and Asia.The company was formerly known as Assicurazioni Generali Austro-Italiche and changed its name to Assicurazioni Generali S.p.A. in 1848.
Assicurazioni Generali S.p.A. was founded in 1831 and is headquartered in Trieste, Italy.
Market Data
| Last Price | 30.63 |
| Change Percentage | 0.72% |
| Open | 30.54 |
| Previous Close | 30.41 |
| Market Cap ( Millions) | 47311 |
| Volume | 4507933 |
| Year High | 30.8 |
| Year Low | 20.29 |
| M A 50 | 28.03 |
| M A 200 | 25.31 |
Financial Ratios
| FCF Yield | 20.90% |
| Dividend Yield | 4.18% |
| ROE | 14.72% |
| Debt / Equity | 59.99% |
| Net Debt / EBIDTA | 184.82% |
| Price To Book | 1.62 |
| Price Earnings Ratio | 11.06 |
| Price To FCF | 4.78 |
| Price To sales | 0.58 |
| EV / EBITDA | 10.12 |
News
- Jan -30 - Generali to initiate share buyback programme
- Jan -30 - Generali steps up investor returns as CEO offers to stay in charge
- Jan -29 - Milan mayor sides with Mediobanca, saying MPS bid is Rome-Milan match
- Jan -28 - Generali sets up global corporate and commercial unit in India
- Jan -27 - Generali partners with MIT to explore AI in insurance
- Jan -24 - Explainer-How billionaire Caltagirone could influence Italy's banking M&A wave
- Jan -24 - How billionaire Caltagirone could influence Italy's banking M&A wave
- Jan -24 - Explainer-Billionaire Caltagirone's role in Italy's banking M&A wave
- Jan -24 - How Italy's MPS went from near collapse to bid for revered merchant bank
- Jan -24 - How Italy's MPS went from near collapse to bid for revered merchant bank
- Jan -22 - Generali, BPCE announce $1.9tn global asset management JV
- Jan -20 - Generali to buy majority stake in credit investment firm MGG for $320m
- Jan -20 - Hedge funds: compensation scheme or asset class?
- Jan -17 - Italy’s Generali Agrees to Acquire US Credit Investment Firm MGG
- Jan -17 - Generali Investments buys majority stake in U.S. investment firm MGG
- Jan -17 - Billionaire Clans Jostle For Power in Italy's Reshaped Banking Sector
- Dec -23 - Macron Names State Lender CDC’s Lombard Finance Minister
- Dec -22 - French Moves on Italy’s Finance Industry Stoke Concerns in Rome
- Dec -05 - Generali to offload Philippines unit to Insular Life
- Dec -02 - Radisson Collection’s first property in Madrid to open in 2027
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Property & Casualty
Expected Growth : 10 %
What the company do ?
Property & Casualty from Assicurazioni Generali S.p.A. provides insurance coverage for individuals and businesses against damage to property and liability risks.
Why we expect these perspectives ?
Assicurazioni Generali S.p.A.'s 10% growth in Property & Casualty is driven by increasing demand for insurance products in emerging markets, expansion of digital distribution channels, and a focus on profitable underwriting. Additionally, the company's diversified portfolio and strong brand reputation contribute to its growth momentum.
Segment n°2 -> Life
Expected Growth : 11 %
What the company do ?
Life from Assicurazioni Generali S.p.A. offers life insurance products, providing financial protection to individuals and families in case of death or disability.
Why we expect these perspectives ?
Assicurazioni Generali S.p.A.'s 11% growth in Life segment is driven by increasing demand for protection and savings products, expansion in emerging markets, and strategic partnerships. Additionally, the company's digital transformation efforts, improved underwriting, and effective risk management have contributed to the growth.
Segment n°3 -> Asset & Wealth Management
Expected Growth : 9 %
What the company do ?
Asset & Wealth Management from Assicurazioni Generali S.p.A. offers investment solutions and wealth management services to individuals, companies, and institutions.
Why we expect these perspectives ?
Generali's Asset & Wealth Management segment growth is driven by increasing demand for pension and savings products, expansion into high-growth markets, and strategic acquisitions. Additionally, the company's focus on digitalization, ESG integration, and multi-asset investment solutions has enhanced its competitiveness, contributing to the 9% growth.
Segment n°4 -> Holding and Other
Expected Growth : 8 %
What the company do ?
Holding and Other from Assicurazioni Generali S.p.A. refers to the company's non-operating segments, including head office, financial investments, and other non-core activities.
Why we expect these perspectives ?
Assicurazioni Generali S.p.A.'s Holding and Other segment growth of 8% is driven by strategic investments in digital transformation, expansion of asset management business, and optimization of operational costs. Additionally, the company's focus on innovation, diversification of revenue streams, and effective capital allocation also contribute to this growth.
Segment n°5 -> Consolidation Adjustments
Expected Growth : 7 %
What the company do ?
Consolidation Adjustments from Assicurazioni Generali S.p.A. refer to the elimination of intercompany transactions and unrealized profits to present a true consolidated financial position.
Why we expect these perspectives ?
Consolidation adjustments from Assicurazioni Generali S.p.A. drove 7% growth, fueled by strategic acquisitions, cost synergies, and improved operational efficiency. Additionally, the insurer's diversified business portfolio, strong brand presence, and expanding distribution channels contributed to the growth momentum.
Assicurazioni Generali S.P.A. Products
| Product Range | What is it ? |
|---|---|
| Life Insurance | Provides financial protection to the policyholder's family in the event of death or terminal illness. |
| Non-Life Insurance | Covers damages or losses to properties, vehicles, and other assets. |
| Health Insurance | Provides coverage for medical expenses, hospitalization, and other healthcare-related costs. |
| Pensions and Savings | Offers investment and savings products to help individuals plan for their retirement and long-term financial goals. |
| Asset Management | Provides investment management services to institutional clients, such as pension funds and insurance companies. |
| Reinsurance | Offers risk management solutions to other insurance companies, helping them manage their risk exposure. |
Assicurazioni Generali S.p.A.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Assicurazioni Generali S.p.A. is medium due to the presence of alternative insurance providers and financial institutions that offer similar products and services.
Bargaining Power Of Customers
The bargaining power of customers for Assicurazioni Generali S.p.A. is low due to the company's strong brand reputation and diversified product offerings, making it difficult for customers to negotiate prices.
Bargaining Power Of Suppliers
The bargaining power of suppliers for Assicurazioni Generali S.p.A. is medium due to the company's dependence on a few large reinsurers and the presence of alternative suppliers.
Threat Of New Entrants
The threat of new entrants for Assicurazioni Generali S.p.A. is low due to the high barriers to entry in the insurance industry, including regulatory requirements and capital requirements.
Intensity Of Rivalry
The intensity of rivalry for Assicurazioni Generali S.p.A. is high due to the presence of many established players in the insurance industry, leading to intense competition for market share.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 55.41% |
| Debt Cost | 3.95% |
| Equity Weight | 44.59% |
| Equity Cost | 8.94% |
| WACC | 6.17% |
| Leverage | 124.25% |
Assicurazioni Generali S.p.A. : Quality Control
Assicurazioni Generali S.p.A. passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| TLX.DE | Talanx AG provides insurance and reinsurance products and services worldwide. The company offers life, casualty, liability, motor, aviation, legal protection, fire, burglary and theft, water damage, plate glass, windstorm, comprehensive … |
| CS.PA | AXA SA, through its subsidiaries, provides insurance, asset management, and banking services worldwide. The company operates through France, Europe, Asia, AXA XL, International, and Transversal & Central Holdings segments. It … |
| ZURN.SW | Zurich Insurance Group AG, together with its subsidiaries, provides insurance products and related services in Europe, the Middle East, Africa, North America, Latin America, and the Asia Pacific. The company … |
| SLHN.SW | Swiss Life Holding AG provides life insurance, risk, pensions, and financial solutions for private and corporate clients. It operates through Switzerland, France, Germany, International, and Asset Managers segments. The company … |
| ALV.DE | Allianz SE, together with its subsidiaries, provides property-casualty insurance, life/health insurance, and asset management products and services worldwide. The company's Property-Casualty segment offers various insurance products, including motor liability and … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Generali
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Zurich Insurance
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Allianz
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4
Talanx
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5
AXA
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1-Year Total Return ->
6
