Assicurazioni Generali S.p.A.

ARZGY

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.

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Profit Waterfall Analysis

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Profitability Margins

Operating Income Margini

97.32%

Operating Income = $27.34B

Revenue = $28.10B

Pre-tax Profit Margini

12.32%

Income Before Tax = $3.46B

Revenue = $28.10B

Net Profit Margini

7.66%

Net Income = $2.15B

Revenue = $28.10B

Tax Metrics

Effective Tax Ratei

30.80%

Income Tax Expense = $1.07B

Income Before Tax = $3.46B

Cash Tax Rate (TTM)i

0.00%

Income Taxes Paid = $0.00B

Income Before Tax = $10.57B

Financial Sector PPNR Metrics

PPNRi

N/A

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: N/A | non interest income: N/A | non interest expense: N/A

PPNR Margini

N/A

PPNR = N/A

Revenue = $28.10B

PPNR / Avg Assetsi

N/A

PPNR ROA = PPNR / Avg Total Assets

ppnr: N/A | avg total assets: $531.89B

Cost Efficiency Metrics

Efficiency Ratioi

N/A

Non-Interest Expense = N/A

Revenue = $28.10B

Cost-to-Incomei

2.68%

Operating Expenses = $0.75B

Revenue = $28.10B

Cost-to-Assetsi

0.14%

Operating Expenses = $0.75B

Avg Total Assets = $531.89B

Operating Leverage Metrics

Operating JAWSi

74.82%

Revenue Growth = -18.60%

Expense Growth = -93.42%

Operating Margin Expansioni

91.60pp

Current Operating Margin = 97.32%

Prior Operating Margin = 5.72%

Earnings Quality Metrics

Earnings Qualityi

4.79x

Operating Cash Flow = $10.32B

Net Income = $2.15B

Accruals / Avg Assetsi

-1.54%

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $2.15B | operating cash flow: $10.32B | avg total assets: $531.89B

Volatility Metrics

PPNR Volatilityi

N/A

Core Revenue Volatilityi

N/A

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $96.11B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: N/A | employee count: N/A

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Cash Flow Waterfall Chart

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Inflow

Outflow

Subtotal

Start/End

Cash Generation Capability

Earnings Cash Contenti

3.98x

TTM Operating Cash Flow = $29.35B

TTM Net Income = $7.38B

Cash Flow ROA (CFROA)i

N/A

TTM Operating Cash Flow = N/A

Average Total Assets = N/A

Liquidity / Solvency

Cash Flow Adequacyi

N/A

TTM Operating Cash Flow = N/A

CapEx + 债务偿还 + 分红 CapEx + Debt Repayment + Dividends = N/A

OCF / Short-Term Debti

N/A

TTM Operating Cash Flow = N/A

Short-Term Debt = N/A

Sustainability / Stability

OCF Growth Rate (YoY)i

N/A

Current Quarter OCF = N/A

Same Quarter Last Year OCF = N/A

OCF Volatility (CV)i

N/A

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Assicurazioni Generali S.p.A.

🔍 Business Model Analysis (DuPont Model)

Financial Metrics

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)

Asset Turnover (TTM)

SG&A/Revenue - SG&A Efficiency (TTM)

Operating Expense Ratio (TTM)

Cost-to-Income Ratio (TTM)

Revenue per Employee (Quarterly)

🎁 Shareholder Returns

Dividend Yield (TTM)

Buyback Yield (TTM)

TSR - Total Shareholder Return (1Y)

Dividend Growth CAGR (3Y)

Income Statement Analysis

Profit Waterfall Analysis

Balance Sheet Analysis

Cash Flow Statement Analysis