Stock ASG ASSICURAZIONI GENERALI S.P.A.
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Financials Assicurazioni Generali S.p.A. Bulgaria S.E.

Equities

ASG

IT0000062072

Life & Health Insurance

End-of-day quote Bulgaria S.E.
Other stock markets
 06:00:00 2024-05-22 pm EDT 		5-day change 1st Jan Change
23.34 EUR -0.11% Intraday chart for Assicurazioni Generali S.p.A. -6.13% +21.83%
May. 24 GENERALI SPA : JP Morgan remains Neutral ZD
May. 24 Whitsun storms: Insurers expect 200 million euros in damage DP

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 28,870 22,385 29,338 25,704 29,467 36,288 - -
Enterprise Value (EV) 1 29,713 22,166 29,338 67,114 66,483 36,288 36,288 36,288
P/E ratio 10.9 x 13.1 x 10.5 x 9.03 x 7.86 x 9.56 x 8.8 x 8.24 x
Yield 5.22% 7.08% 5.74% 6.98% 6.7% 5.87% 6.27% 6.71%
Capitalization / Revenue 0.41 x 0.32 x 0.39 x 0.32 x 0.36 x 0.4 x 0.4 x 0.38 x
EV / Revenue 0.41 x 0.32 x 0.39 x 0.32 x 0.36 x 0.4 x 0.4 x 0.38 x
EV / EBITDA - - - - - - - -
EV / FCF - 1.22 x 1.65 x 2.6 x 24.5 x 9.65 x 9.36 x 9.21 x
FCF Yield - 81.8% 60.7% 38.5% 4.09% 10.4% 10.7% 10.9%
Price to Book 1.02 x 0.75 x 1 x 1.59 x 1.04 x 1.16 x 1.09 x 1.02 x
Nbr of stocks (in thousands) 1,569,463 1,569,743 1,574,760 1,547,045 1,542,345 1,552,092 - -
Reference price 2 18.40 14.26 18.63 16.62 19.10 23.38 23.38 23.38
Announcement Date 3/13/20 3/11/21 3/15/22 3/14/23 3/12/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 69,785 70,704 75,825 81,538 82,466 91,048 90,575 95,101
EBITDA - - - - - - - -
EBIT 1 5,192 5,208 5,852 6,509 6,879 7,360 7,747 8,173
Operating Margin 7.44% 7.37% 7.72% 7.98% 8.34% 8.08% 8.55% 8.59%
Earnings before Tax (EBT) 1 3,587 3,390 4,580 4,738 5,574 6,203 6,622 7,027
Net income 1 2,670 1,744 2,847 2,912 3,747 3,819 4,095 4,346
Net margin 3.83% 2.47% 3.75% 3.57% 4.54% 4.19% 4.52% 4.57%
EPS 2 1.680 1.090 1.780 1.840 2.430 2.446 2.656 2.837
Free Cash Flow 1 - 18,302 17,814 9,899 1,205 3,759 3,878 3,940
FCF margin - 25.89% 23.49% 12.14% 1.46% 4.13% 4.28% 4.14%
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - 1,049.43% 625.71% 339.94% 32.16% 98.43% 94.7% 90.66%
Dividend per Share 2 0.9600 1.010 1.070 1.160 1.280 1.373 1.466 1.569
Announcement Date 3/13/20 3/11/21 3/15/22 3/14/23 3/12/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2019 S2 2020 S1 2020 S2 2021 S1 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 S1 2022 Q3 2022 Q4 2022 S2 2023 Q2 2023 S1 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 - 36,478 34,226 38,093 - 20,926 22,322 19,558 41,880 17,952 21,706 39,658 20,074 42,237 - 22,005 26,391 - - - -
EBITDA - - - - - - - - - - - - - - - - - - - - -
EBIT 1 - 2,714 2,494 2,996 1,429 1,427 1,626 1,514 3,140 1,630 1,739 - 1,901 3,721 1,379 1,779 1,898 - - - -
Operating Margin - 7.44% 7.29% 7.86% - 6.82% 7.28% 7.74% 7.5% 9.08% 8.01% - 9.47% 8.81% - 8.08% 7.19% - - - -
Earnings before Tax (EBT) - 1,092 2,298 - - - - - 2,397 - - - - - - - - - - - -
Net income 1 881 774 970 1,540 710 597 727 675 1,402 831 679 - 1,044 2,243 579 - 1,256 - - - -
Net margin - 2.12% 2.83% 4.04% - 2.85% 3.26% 3.45% 3.35% 4.63% 3.13% - 5.2% 5.31% - - 4.76% - - - -
EPS - 0.4800 0.6100 0.9800 0.4500 0.3500 0.4600 0.4200 0.8800 0.5400 0.4200 0.9600 - - - - - 1.030 - 1.150 -
Dividend per Share 2 - - - - - 1.070 - - - - 1.160 - - - - 1.280 - - - 1.344 -
Announcement Date 3/13/20 7/30/20 3/11/21 8/3/21 11/11/21 3/15/22 5/19/22 8/2/22 8/2/22 11/10/22 3/14/23 3/14/23 8/9/23 8/9/23 11/17/23 3/12/24 5/21/24 - - - -
1EUR in Million2EUR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 843 - - 41,410 37,016 - - -
Net Cash position - 219 - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow 1 - 18,302 17,814 9,899 1,205 3,759 3,878 3,940
ROE (net income / shareholders' equity) 10.3% 5.97% 9.6% 12.8% 13.5% 12.8% 13% 13%
ROA (Net income/ Total Assets) 0.52% 0.33% 0.5% 0.53% 0.74% 0.7% 0.7% 0.7%
Assets 1 515,245 529,608 565,464 552,667 505,921 545,587 585,029 620,838
Book Value Per Share 2 18.10 19.10 18.60 10.50 18.40 20.20 21.40 23.00
Cash Flow per Share - - - - - - - -
Capex 1 - 10,445 334 - 527 404 411 417
Capex / Sales - 14.77% 0.44% - 0.64% 0.44% 0.45% 0.44%
Announcement Date 3/13/20 3/11/21 3/15/22 3/14/23 3/12/24 - - -
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Assicurazioni Generali S.p.A.

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
18
Last Close Price
23.38 EUR
Average target price
23.39 EUR
Spread / Average Target
+0.05%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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