Assicurazioni Generali S.p.A.

OTC

ARZGF

Stock

Yield per half year: +26.91%
Dividend yield: 7.24%
Sector: Financials

Reporting Assicurazioni Generali S.p.A.

Capitalization

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд $			29.61	15.32	27.06	27.73	29.94	24.42	31.73	26.51	32.64		30.19	29.05	1.74
Выручка, млрд $				82.74	84.96	61.76	82.1	65.3	83.23	72.64	58.76	67.77	67.77	69.54	0.75
Чистая прибыль, млрд $				2.08	2.11	2.01	2.39	1.43	2.5	2.91	3.76	4.23	4.23	2.97	24.22
EV, млрд $	54.48	50.07				26.37	32.59	22.96	32.87	31.69	42.3	59	59	37.76	20.77
EBIT, млрд $			3.45	3.93	5.62	3.98	4.27	3.85	4.8	4.35	5.34		-1.83	4.52	4.57
EBITDA, млрд $							4.38	3.49	4.71	4.82	-1.22		-1.48	3.24	-177.44
OIBDA, млрд $								5.7	6.89	7.23	1.58			5.35	-27.44
Баланс стоимость, млрд $				24.55	25.08	10.75	12.09	11.99	13.31	16.2	32.9	34.51	34.51	21.78	23.54
FCF, млрд $					16.43	12.75	17.7	15.62	15.37	9.9	1.77	17.04	17.04	11.94	1.76
Операционный денежный поток, млрд $				19.99	16.32	13.06	18.21	15.89	15.37	10.54	1.97	17.47	17.47	12.25	1.91
Операционная прибыль, млрд $			3.45	3.16	5.62	3.98	8.55	2.75	3.97	4.46	6.56		6.68	5.26	-5.16
Операционные расходы, млрд $				79.59	81.27	58.76	78.89	62.51	79.21	-68.18	52.22	60.91	60.91	37.33	-0.52
CAPEX, млрд $				1.15	0.355	0.3092	0.5149	0.2752	0.6087	0.638	0.201	0.4293	0.4293	0.4304	9.30

	2016Q2	2019Q4	2020Q4	2021Q2	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд $			25.4	32.18	33.53		28.08	23.05	24.96	31.13	31.54	32.32	33.14				30.62	5.83
Выручка, млрд $					44.62		44.04	24.09	43.29	13.44	36.18	16.63	41.64	17.04	17.04		25.71	-13.98
Чистая прибыль, млрд $						0.701	1.58	0.8344	1.51	1.11	2.24	0.7952	1.71	1.17	1.17		1.42	-12.18
EV, млрд $							31.41	15.82	31.49	59.69	41.22	44.9	66.76	52.51	52.68	59	55.17	5.61
EBIT, млрд $						1.25	1.32	1.65	-1.13	1.61	-0.5275	1.09	2.66	1.73	4.17		1.82	-251.21
EBITDA, млрд $	1.18						-0.0395	1.04	-0.5985	-0.3645	-0.3645	-0.2501	2.86	-0.4667	4.36		1.23	-264.27
OIBDA, млрд $											3.84	0.2978	2.53	0.5633	7.19		2.88	13.37
Баланс стоимость, млрд $							14.3	20.15	16.2	26.69	26.69	31.77	32.9	33.16	33.16	34.51	33.10	1.67
FCF, млрд $				9.34			7.75	1.19	2.15	-0.3005	-0.601	1.12	2.23	3.77	3.77		2.06	-244.38
Операционный денежный поток, млрд $						3.69	3.9	1.31	2.37	-0.243	-0.486	1.15	2.29	3.9	3.9		2.15	-251.67
Операционная прибыль, млрд $					8.07		8.17	1.04	1.61	1.97	1.97	1.34	1.38	2.2	4		2.18	15.22
Операционные расходы, млрд $		20.41					20.72	22.59	9.4	11.54	12.18	15.23	12.58	14.86	14.86		13.94	4.06
CAPEX, млрд $						0.1869	0.1975	0.124	0.224	0.0575	0.115	0.0322	0.0637	0.1232	0.1232		0.0915	1.39

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд $				7.53	6.85	5.83	6.15	6.49	7.45	7.24	8.03	9.44	9.44	7.73	7.78
Short Term Investments $				313.93	320.64	267.04	307.62	298.92	330.86	280.42	1.25	270.25	270.25	236.34	-2.00
Long term investments $	287.07	400.42	344.44	362.94	366.79	317.54	339	374.68	384.69	313.78				345.94	-0.24
Total Receivables $				15.3	14.77	13.48	14.78	13.7	17.02	13.05	4.75	4.55	4.55	10.61	-19.78
Total Current Assets $			32.48	31.34	46.58	79.78	31.32	32.27	38.62	287.67	25.74		22.67	83.12	-3.85
Чистые активы, млрд $			4.47	4.48	4.08	20.56	25.39	24.67	25.76	4.07	16.2		16.2	19.22	-8.59
Активы, млрд $				521.18	537.08	449.29	460.75	447.48	515.35	519.05	577.59	611.7	611.7	534.23	6.45
Short Term Debt $	23.54	0.6049								0.109	-2.06		0.107	5.55	-154.39
Long Term Debt $				25.86	26.85	27.42	28.05	11.91	15.73	16.48	19.73	19.96	19.96	16.76	10.88
Задолженность, млрд $				495.52	510.9	427.82	434.02	421.36	487.33	500.91	542.06	574.11	574.11	505.15	6.38
Чистый долг, млрд $					8.39	6.83	6.54	4.54	7.12	9.24	9.23	10.52	10.52	8.13	18.30
Долг, млрд $	44.85	27.12					13.78	11.97	15.81	16.48	17.26		36.28	15.06	4.61
Interest income $				10.07	9.65	8.3	8.86	8.3	8.11	7.75				8.26	-1.36
Расходы на обслуживание долга $						0.8797	0.9169	0.6876	0.647	0.715	0.8146	1.31	1.31	0.8348	13.76
Чист. проц. доходы, млрд $				-1.46	-1.42	7.23	7.94	6.82	7.13	7.75			8.37	7.37	1.40
Goodwill $		8.01	6.66	6.66	6.68	6.68	7.18	7.54	7.61	7.92	7.84			7.62	1.77
Амортизация, млрд $							0.7492	0.7453	0.7403	0.464	-6.56		0.342	-0.7722	-254.33
Себестоимость, млрд $	71.06	90.6	77.27	71.58	68.76	60.05	79.65				8.96		8.72	57.80	-34.01

	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q2	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q4	5 quarters average	CAGR 5
Наличность, млрд $																			8.1	8.09	7.24	6.36	6.36	7.75	8.03	7.89	7.89	9.44	8.20	4.02
Short Term Investments $												313.5	337.01		329.9		330.86		310.81		280.42		221.3		1.25		0.8903	270.25	154.82	-0.74
Long term investments $									344.35	321.8	339	355.4	374.68		366.18		384.69		335.84		313.78		428.35						365.77	3.19
Total Receivables $																	17.02	21.08	22.28	22.65	13.05	10.58	4.22		4.75		4.61	4.55	5.74	-15.53
Total Current Assets $																		43.81	46.3	47.77	287.67	6.36	227.66	7.75	25.74	7.89	26.53		59.11	-34.94
Чистые активы, млрд $														3.79	3.79	38.2	25.76	44.08	18.2	4.51	4.07	3.78	3.78						6.87	-26.97
Активы, млрд $																			511.62	580.01	519.05	511.21	511.21	557.85	576.01	592.49	592.49	611.7	586.11	1.86
Short Term Debt $	21.17	21.17	23.41	25.11	0.2945	0.3014				0.791											0.109				-2.06				-0.1128	-247.56
Long Term Debt $												28.82	13.42		15.51		15.73		16.89		16.48		16.6		19.73		19.89	19.96	18.53	3.91
Задолженность, млрд $																			491.46	21.58	500.91	482.25	482.25	523.53	540.49	556.26	556.26	574.11	550.13	1.86
Чистый долг, млрд $																			7.91	-8.09	9.24	28.56	10.25	8.91	33.17	12	12	10.52	15.32	3.38
Долг, млрд $						26.15				21.23									17.13		16.48	34.91	16.6	16.67	41.2	19.89	19.89		22.85	3.68
Расходы на обслуживание долга $									0.2655	0.2465	0.2465								0.147	0.2011	0.352	0.1845	0.369		0.4815		0.6155		0.4005	11.82
Goodwill $													7.54		7.58		7.61		7.8	7.89	7.92	7.9	7.9	7.84	7.84				7.88	-0.20
Амортизация, млрд $																			0.281	-1.61	0.53	-1.97	0.163	-1.34	0.2033	-2.2	0.1896		-0.5968	3.07
Себестоимость, млрд $							13.24	20.37	20.37	19.45	19.45									-9.26			1.66	1.85	1.45		9.68		1.08	-200.89

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	2.29	1.55	1.48	1.7	1.11	1.81	1.84	2.43	2.78		2.78	1.99	20.16
Цена акции ао		16.96	17.37	19.08	15.56	20.15	17.6	20.74	29.05	35	35	24.51	11.68
Число акций ао, млн	1128.47	1595.61	1689.61	1694.57	1694.88	1700.15	1586.45	1761.27	1727.9		1727.9	1694.13	0.39
FCF/акцию		10.3	9.35	12.59	12.11	11.1	6.24	1	9.86		9.86	8.06	-4.03

	2020Q4	2021Q2	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS				0.46	0.89	0.5311	0.9603	0.7179	1.46	0.5126	1.08	0.7534	0.7534			0.9119	-12.39
Цена акции ао				20.16	17.53	14.65	15.88	20.2	20.46	20.84	21.04			32.8	35	26.03	11.34
Число акций ао, млн	1569.74	1574.76	1574.63		1601.92	1572.75	1572.36	1541.3	1541.3	1551.39	1575.45					1556.36	0.04
FCF/акцию					4.84	0.6971	1.37	-0.195	-0.3899	0.6571	1.24	2.15	2.15			1.16	-240.70

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2013	2014	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			8.48	8.41	9.7	10.41	5.72	9.93	12.8	14.67	12.55		12.55	20.08	11.13	17.02
ROA, %			0.3993	0.3929	0.4486	0.5254	0.3155	0.5199	0.5269	0.6449	0.7112		0.7112	5.08	0.5437	17.65
ROIC, %	3.44	5.2				8.12	9.33	9.89	14.4	12				7.36	10.75	8.12
ROS, %				2.48	3.26	3.02	2.24	3.07	4.01	6.4	6.24	6.24	6.24	30.06	5.19	15.24
ROCE, %			15.29	21.45	1.1	1.02	0.9443	1.03	0.8513	0.9274		-4.86	-4.86	11.82	-0.2214	-238.77
Ebit margin, %						4.22	5.34	5.44	5.99	9.09		-2.69	-2.69		4.63	-187.19
Рентаб EBITDA, %						5.09	5.04	5.32	6.63	-2.08		-2.19	-2.19	24.00	2.54	-184.65
Чистая рентаб, %			2.51	2.48	3.26	2.91	2.19	3.01	4.01	6.4	6.24		6.24	30.06	4.37	23.30
Operation Margin, %				6.61	6.45	4.22	3.97	4.48	6.14	11.16	9.17	9.86	9.86	26.93	8.16	17.09
Доходность FCF, %				60.73	52.78	66.01	77.85	55.08	37.34	4.8					48.22	-40.80

	2016Q3	2016Q4	2017Q1	2017Q2	2019Q4	2021Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %						2.23	7.35	5.74	8.42	5.88	9.71	3.03	5.84	3.68	3.57		20.08	5.17	-18.14
ROA, %						0.1115	0.2615	0.148	0.2954	0.2148	0.4388	0.1422	0.2959	0.1994	0.1967		5.08	0.2546	-14.83
ROIC, %	1.63	1.63	1.83	1.83					4.7		9.66		2.51	4.32	4.32		7.36	5.10	-1.67
ROS, %							3.18	4.91	3.49	8.23	6.2	4.78	4.11	6.87	6.87	6.24	30.06	5.77	5.48
ROCE, %							0.2879	0.3189	-0.2196	0.3136	-0.1038	0.1983	0.4717	0.2993	0.7276	-4.86	11.82	-0.6326	-289.61
Ebit margin, %											-1.46	6.55	6.39	10.15	24.47	-2.69		8.97	-183.70
Рентаб EBITDA, %							-0.0897	4.3	-1.38	-2.71	-1.01	-1.5	6.87	-2.74	25.59	-2.19	24.00	5.21	7.86
Чистая рентаб, %					1.85		3.18	3.46	3.49	8.23	6.2	4.78	4.11	6.87	6.87		30.06	5.77	2.07
Operation Margin, %							2	11.58	3.72	14.68	5.45	8.06	3.31	12.91	23.47	9.86	26.93	11.52	4.11
Доходность FCF, %							27.61	0.1128	8.6	-0.9652	-1.91	3.33	6.54					3.12	-5.33

Coefficients

IFRS

Reporting Annual Quarterly

	2013	2014	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E			7.36	12.82	9.71	10.9	12.86	10.29	7.71	8.79	11.46		11.46	13.27	10.22	-2.28
P/BV			0.6242	1.08	0.9102	0.9747	0.7053	0.9191	1.24	0.9308	1.29		1.29	1.70	1.02	12.83
P/S			0.1852	0.3185	0.3164	0.3173	0.2821	0.3094	0.309	0.5627	0.7153		0.7153	2.98	0.4357	20.45
P/FCF				1.65	1.89	1.51	1.28	1.82	2.68	2.82	19.28	1.77	1.77	2.82	5.67	-0.56
E/P				0.078	0.0833	0.0892	0.0714	0.0897	0.1099	0.1148	0.1241	0.1401	0.1401	87.84	0.1157	9.33
EV/EBIT						10.79	8.07	8.27	7.28	7.92	-33.63	-32.33	-32.33		-8.4980	-231.35
EV/EBITDA						8.92	8.27	8.5	6.58	-34.75			-41.39	-132.47	-0.4960	-231.26
EV/S	0.6666	0.4892				0.4555	0.4309	0.4498	0.4362	0.7199	0.8706	0.8706	0.8706	1.52	0.6694	14.12
EV/FCF						2.04	1.76	2.39	3.2	23.9	3.46	3.46	3.46	1.51	7.28	7.68
Debt/EBITDA						3.15	3.42	3.36	3.42	-14.15	-24.46	-24.46	-24.46	-176.54	-11.2580	-248.74
Netdebt/Ebitda						1.62	1.41	1.64	1.92	-7.57	-19.7	-7.09	-7.09	208.99	-6.1600	-234.02
Debt/Ratio	0.0997	0.0447				0.0276	0.0246	0.0283	0.0318	0.0299	0.0715	0.0593	0.0593	0.12	0.0442	15.95
Debt/Equity	2.27	0.966				0.5	0.447	0.5654	1.02	0.5246	2.24	15.27	15.27	11.32	3.92	93.33
Debt/Net Income	23.42	13.42				5.31	7.7	5.82	5.66	4.59	9.69	8.58	8.58	17.91	6.87	8.07
PEG												-8.55	-8.55		-8.5500	0.00
Бета										0.1317	1.97	0.4001	0.4001	0.48	0.8339	44.83
Индекс Альтмана						0.6213	0.6379	0.5535	0.5084	1.22	0.5875	1.12	1.12	54.78	0.7979	15.14

	2017Q1	2017Q2	2017Q3	2017Q4	2019Q3	2019Q4	2021Q2	2021Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E								51.31	20.03	28.56	6.23	6.76	5.63	6.3	5.5	6.75	8.43				13.27	6.52	8.41
P/BV									1.17	0.0431	1.23	1.08	1.07	1.05	0.9455	1.12	1.12	1.29			1.70	1.11	4.20
P/S						1.31			0.6375	0.9892	0.2216	0.2783	0.2931	0.3252	0.2994	0.359	0.4416				2.98	0.3437	8.54
P/FCF									3.62	886.46	11.63	-103.61	-52.48	29.99	15.29					1.77	2.82	-21.8080	-144.31
E/P							0.0239	0.0195	0.0499	0.0296	0.0605	0.0355	0.0711	0.0224	0.0454					0.1401	87.84	0.0629	31.60
EV/EBIT													-78.14	41.19	25.1	30.35	12.63			-32.33		15.39	-195.27
EV/EBITDA										15.27	-25.47	-37.28	-21.4	-28.09	10.63	8.44	8.11				-132.47	-4.4620	-182.36
EV/S	2.85	2.68			1.56						0.7925		1.14	2.7	1.6	3.08	3.09			0.8706	1.52	2.27	-20.26
EV/FCF											15.98		-68.59	40.09	29.94	13.93	13.97			3.46	1.51	20.28	-38.74
Debt/EBITDA											18.82		-45.55	-66.65	14.41	-42.62	4.56			-24.46	-176.54	-22.9520	-18.17
Netdebt/Ebitda									-209.95	-14.26	-15.44	-78.35	-28.11	-35.63	11.6	-25.71	2.75			-7.09	208.99	-10.8160	-27.60
Debt/Ratio			0.0405	0.0405	0.0412						0.032		0.0325	0.0299	0.0715	0.0336	0.0336			0.0593	0.12	0.0456	14.68
Debt/Equity			0.8683	0.8683	0.7484						1.02		0.622	0.5247	1.25	0.5998	0.5998			15.27	11.32	3.65	96.24
Debt/Net Income	71.98	71.98			48.18						10.99		7.4	20.96	24.09	17	17			8.58	17.91	17.53	-16.36
PEG																				-8.55		-8.5500	0.00
Бета																			-1.76	0.4001	0.48	-0.6800	-147.68
Индекс Альтмана									0.4344	0.3669	0.4059	0.1795	0.3701						0.5844	1.12	54.78	0.5320	22.51

Dividends

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.8493	0.934	1.12	1.09	1.27	0.6432	2.03	1.69	1.79	2.26					1.68	28.57
Дивиденд				1.76	1	0.9317	0.9316	1.64	1.59	1.1	1.22	1.26	2.48		1.36	-5.14
Див доход, ао, %				4.92	5.99	4.95	3.14	8.08	11.24	13.93	10.51	3.97	7.24	6.64	9.55	-13.25
Дивиденды / прибыль, %			53.96	59.19	54.09	52.92	44.9	81.14	58.04	54.11	53.33		53.33	49.72	58.30	3.50

	2016Q2	2017Q2	2018Q2	2019Q2	2020Q2	2021Q2	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q4	2024Q1	2024Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд							0.3248	0.7553	0.7982	0.0094	0.0305	0.9705	1.94	0.152	1.12	1.12		1.06	2.91
Дивиденд	0.8058	0.8988	1	1.01	0.5452	1.23	0.534		1.13		0.46		1.25					0.9208	0.32
Див доход, ао, %	5.93	5.52	5.68	5.48	3.77	6.03	2.51		6.45		2.9		6.12				6.64	4.80	0.30
Дивиденды / прибыль, %							56.54	119.33	65.91	1.13	2.02	87.71	86.54	8.91	96.2	96.2	49.72	75.11	1.87

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Other

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	0.431	0.6876	0.8783	0.3421	0.6335	0.6335	8.01
Персонал, чел				82 061	81 879		-0.11

	2023Q4	2024Q1	2024Q2	CAGR 5
CAPEX/Выручка, %	0.153	0.723	0.723	67.81

	CAGR 5