0.46%
7.12%
19.19%
25.62%
36.41%
33.81%
68.43%
AI Spotlight on BGN
Company Description
Banca Generali S.p.A. distributes financial products and services for affluent and private customers through financial advisors primarily in Italy.It operates through Wealth Management Cash-Generating Unit (CGU) and Private Banking CGU segments.The company offers asset management products, such as portfolio management, investment advisory and mutual fund management, and managed solutions consisting of funds and Sicavs, and financial and insurance wrappers; banking products and services; insurance products; and trade finance services.
It operates 218 bank branches and financial advisor offices.The company was founded in 1997 and is headquartered in Trieste, Italy.
Market Data
| Last Price | 48.44 |
| Change Percentage | 0.46% |
| Open | 48.24 |
| Previous Close | 48.22 |
| Market Cap ( Millions) | 5519 |
| Volume | 203680 |
| Year High | 49.78 |
| Year Low | 33.09 |
| M A 50 | 45.77 |
| M A 200 | 41.16 |
Financial Ratios
| FCF Yield | 0.74% |
| Dividend Yield | 4.54% |
| ROE | 11.26% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | -223.55% |
| Price To Book | 3.91 |
| Price Earnings Ratio | 13.49 |
| Price To FCF | 134.5 |
| Price To sales | 5.24 |
| EV / EBITDA | 10.19 |
News
- Dec -16 - Discover Three Top Dividend Stocks For Your Portfolio
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- Sep -16 - Italian private bank Banca Generali bids for broker Intermonte
- Apr -26 - Stocks to watch this week: Amazon, Apple, Anglo American and Novo Nordisk
- Apr -26 - Trending tickers: Alphabet, Intel, Microsoft, Amazon and Anglo American
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Private Banking
Expected Growth : 1.2 %
What the company do ?
Private Banking from Banca Generali S.p.A. offers personalized financial services and investment solutions to high net worth individuals, providing tailored wealth management and exclusive banking experiences.
Why we expect these perspectives ?
Banca Generali's Private Banking growth of 1.2% is driven by increasing demand for wealth management services among high-net-worth individuals, strategic partnerships with asset managers, and expansion into new markets. Additionally, the bank's digital transformation efforts and enhanced client experience have contributed to the growth.
Segment n°2 -> Wealth Management
Expected Growth : 1.1 %
What the company do ?
Wealth Management from Banca Generali S.p.A. offers personalized investment solutions and financial planning to high net worth individuals, families, and institutions.
Why we expect these perspectives ?
Banca Generali's Wealth Management growth of 1.1% is driven by increasing demand for investment products, expansion into new markets, and strategic partnerships. Additionally, the company's digital transformation efforts, improved customer experience, and diversified product offerings have contributed to the growth. Furthermore, the Italian economy's moderate growth and increasing wealth among high-net-worth individuals have also supported the segment's expansion.
Segment n°3 -> Corporate Center
Expected Growth : 0.9 %
What the company do ?
The Corporate Center of Banca Generali S.p.A. is the headquarters that oversees and coordinates the bank's overall strategy, governance, and operations.
Why we expect these perspectives ?
Banca Generali's Corporate Center growth is driven by increasing demand for wealth management services, strategic partnerships, and expansion into new markets. Additionally, the center's focus on digital transformation and process optimization has improved operational efficiency, contributing to the 0.9% growth rate.
Banca Generali S.P.A. Products
| Product Range | What is it ? |
|---|---|
| Life Insurance | Banca Generali's life insurance products provide financial protection to individuals and families in the event of death or disability. |
| Investment Funds | Banca Generali's investment funds offer a range of investment options for individuals and institutions, including equity, fixed income, and balanced funds. |
| Pension Funds | Banca Generali's pension funds provide a long-term savings solution for individuals and companies, helping to ensure a comfortable retirement. |
| Bancassurance | Banca Generali's bancassurance products combine banking and insurance services, offering customers a range of financial solutions under one roof. |
| Wealth Management | Banca Generali's wealth management services provide personalized financial planning and investment advice to high net worth individuals and families. |
| Private Banking | Banca Generali's private banking services offer tailored financial solutions and investment advice to high net worth individuals and families. |
Banca Generali S.p.A.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Banca Generali S.p.A. is medium due to the presence of alternative financial institutions and digital payment systems.
Bargaining Power Of Customers
The bargaining power of customers for Banca Generali S.p.A. is low due to the lack of negotiating power of individual customers.
Bargaining Power Of Suppliers
The bargaining power of suppliers for Banca Generali S.p.A. is medium due to the presence of multiple suppliers of financial services and technology.
Threat Of New Entrants
The threat of new entrants for Banca Generali S.p.A. is high due to the increasing trend of fintech startups and digital banking platforms.
Intensity Of Rivalry
The intensity of rivalry for Banca Generali S.p.A. is high due to the presence of established competitors in the Italian banking industry.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 15.05% |
| Debt Cost | 3.95% |
| Equity Weight | 84.95% |
| Equity Cost | 9.36% |
| WACC | 8.55% |
| Leverage | 17.71% |
Banca Generali S.p.A. : Quality Control
Banca Generali S.p.A. passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| MB.MI | Mediobanca Banca di Credito Finanziario S.p.A., together with its subsidiaries, provides various banking products and services in Italy and internationally. The company operates through Wealth Management, Consumer Banking, Corporate and … |
| BPSO.MI | Banca Popolare di Sondrio S.p.A., together with its subsidiaries, provides various banking products and services in Italy. The company offers current accounts, savings deposits, certificates of deposits, time deposit accounts, … |
| LLBN.SW | Liechtensteinische Landesbank Aktiengesellschaft provides banking products and services in Liechtenstein, Switzerland, Austria, Europe, North and South America, Africa, Asia, and internationally. It operates through three segments: Retail & Corporate Banking, … |
| FBK.MI | FinecoBank Banca Fineco S.p.A. provides banking and investment products and services. The company operates through Banking, Brokerage, and Investing segments. The company offers banking services, including current account and deposit … |
| BEKN.SW | Berner Kantonalbank AG, a cantonal bank, offers various banking products and financial services to private individuals and corporate customers in Switzerland. It offers investment, shareholder, youth, education, and SME savings … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Mediobanca
A-Score
1-Year Total Return ->
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Banca Generali
A-Score
1-Year Total Return ->
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FinecoBank
A-Score
1-Year Total Return ->
4
LLB
A-Score
1-Year Total Return ->
5
Banca Sondrio
A-Score
1-Year Total Return ->
6
