Obermatt

Generali

MIL:G · IT0000062072
InsuranceLarge

360

24
EV / EBIT47
Price / Owner Earnings36
Owner Earnings Yield12
Dividend Yield49
Price/Sales90
EV / Gross Profit21
Price/Book42
Returns on capital19
Profit margins16
Cash Conversion100
Accruals63
Owner Earnings Margin13
Sales growth46
Profit Growth89
Long-Term EPS Growth75
Owner Earnings Growth42
Reinvestment9
Price momentum72
Debt load31
Debt serviceability49
Liquidity54
Analyst ratings32
Opinion Changes63
Price Target Upside20
Market mood59
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Generali clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Profile

CountryItaly
IndustryInsurance
SizeLarge
TypePublic Company
ExchangeBIT
Employees20,740
ISINIT0000062072
Last UpdateApr 2, 2026

Description

Assicurazioni Generali S.p.A. provides insurance and financial products. The company offers life insurance products, such as individual and group pension schemes. It also provides insurance products for automobile third party liability, personal inju…

Analysis

Middle-of-the-road

Assicurazioni Generali S.p.A. is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.

The price is attractive. You pay 14.5× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly 2% yearly growth; analysts expect 9%. The price, in other words, assumes less than the experts do.

The trajectory is solid and the balance sheet is stretched. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
26
2023202420252026

All-time high

87

Jan 2023

All-time low

15

Jan 2026

Average rank

26

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
90
85
84
82
Price/Earnings
50
39
69
65
Price/Book
42
59
70
65
Dividend Yield
49
43
59
67
Value (overall)
56
73
77
79

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →