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Assicurazioni Generali S.p.A. (G.MI)

EUR41.95 -0.30 (-0.71%)
IT MIL Financial Services Insurance - Diversified
Address Piazza Duca degli Abruzzi, 2 34132
Trieste, TS, IT
CEO Philippe Roger Donnet
IPO 1986-08-15
ISIN IT0000062072

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Also trades on Deutsche Börse · ASG.DE (EUR) Euronext Brussels · GEN.BR (EUR) Italian Stock Exchange · G.MI (EUR) Other OTC · ARZGF (USD) Other OTC · ARZGY (USD)
Description

Assicurazioni Generali S.p.A. provides a wide range of insurance and financial solutions. It organizes its activities across four principal segments: Non-Life, Life, Asset Management, and Holding and Other Business. For individuals and families, it offers savings and protection policies, alongside investment-linked unit products. Its extensive insurance portfolio also encompasses motor (including third-party liability), casualty, accident, and health coverage, as well as protection for commercial and industrial risks. In addition to insurance, it offers financial services such as the management of equity, fixed-income, and alternative funds, coupled with investment advisory, asset management, and financial planning. With a substantial global footprint, its operations span numerous countries including Italy, France, Germany, Austria, the Czech Republic, Poland, Hungary, Slovakia, Serbia, Montenegro, Romania, Slovenia, Bulgaria, Croatia, Russia, Spain, and Switzerland, extending its reach into the Americas, Southern Europe, and Asia. Established in 1831 in Trieste, Italy, the firm was initially named Assicurazioni Generali Austro-Italiche, changing to its current designation, Assicurazioni Generali S.p.A., in 1848.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR41.95 -0.30 (-0.71%)
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Volume Profile
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Liquidity & share structure
Average Volume
3M
Beta
0.66
Float Shares
917.50M
Free Float %
61.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.99% -1.20% +1.60% +7.05% +13.25% +8.16% +20.78% +116.50% +130.14% +193.70% +284.79%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
41.95
DCF (Unlevered) 48.93 +16.6%
DCF (Levered) 226.81 +440.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 53% Bullish
Rating 2026-05 Change
Strong Buy 3 0
Buy 7 0
Hold 6 +1
Sell 1 0
Strong Sell 2 0
Quality scores
Altman Z-Score
0.42
Distress
Piotroski F-Score
7 / 9
Strong
MOAT Score
2 / 10
No MOAT
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
  • Revenue growth Insurance - Diversified: +15.2%
    +24.9% Q4'25: -5.6% (vs Q4'23)
  • EPS growth Insurance - Diversified: +25.3%
    +14.1% Q4'25: +36.8% (vs Q4'23)
  • FCF margin FCF growth · Insurance - Diversified: +30.2%
    +20.4% Q4'25: +27.1% (vs Q4'23)
  • EBIT margin Insurance - Diversified: +13.5%
    +10.4% Q4'25: +9.5% (vs Q4'23)
  • ROIC Insurance - Diversified: +4.2%
    +7.8% Q4'25: +15.3% (vs Q4'23)
  • Share dilution Insurance - Diversified: +0.0%
    -1.7% Q4'25: -1.6% (vs Q4'23)
  • Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×
    5.51× Q4'25: 3.00× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.66) × ERP
WACC = 60% × Ke + 40% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 48.93 Current price: 41.95
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
7 Rev. Ana.
13 EPS Ana.
Dec 2027
8 Rev. Ana.
14 EPS Ana.
Dec 2028
7 Rev. Ana.
13 EPS Ana.
Dec 2029
3 Rev. Ana.
11 EPS Ana.
Dec 2030
6 Rev. Ana.
5 EPS Ana.
Revenue
85.73B
est: 73.06B (+17.3%)
79.83B
est: 72.60B (+10.0%)
82.11B
est: 70.60B (+16.3%)
67.93B
est: 67.00B (+1.4%)
88.40B
est: 69.09B (+28.0%)
78.93B
est: 69.69B (+13.3%)
95.67B
est: 73.02B (+31.0%)
48.03B
est: 80.69B (-40.5%)
72.85B
est: 59.82B (+21.8%)
55.30B
est: 94.67B (-41.6%)
69.09B
est: 98.50B (-29.9%)
104.79B
103.21B – 109.10B
+6.4% YoY
110.38B
106.43B – 116.99B
+5.3% YoY
116.29B
114.45B – 118.13B
+5.4% YoY
117.60B
114.59B – 123.56B
+1.1% YoY
120.34B
117.26B – 126.44B
+2.3% YoY
EBITDA
4.98B
est: 6.15B (-19.1%)
4.55B
est: 6.11B (-25.6%)
4.80B
est: 5.95B (-19.2%)
4.68B
est: 5.64B (-17.1%)
5.08B
est: 5.82B (-12.7%)
4.15B
est: 5.87B (-29.3%)
5.59B
est: 6.15B (-9.1%)
4.82B
est: 6.80B (-29.1%)
6.10B
est: 5.65B (+8.0%)
6.97B
est: 8.95B (-22.1%)
7.18B
est: 9.31B (-22.8%)
9.90B
9.75B – 10.31B
+6.4% YoY
10.43B
10.06B – 11.06B
+5.3% YoY
10.99B
10.82B – 11.16B
+5.4% YoY
11.11B
10.83B – 11.68B
+1.1% YoY
11.37B
11.08B – 11.95B
+2.3% YoY
EBIT
4.51B
est: 5.93B (-23.9%)
4.20B
est: 5.89B (-28.7%)
4.53B
est: 5.73B (-20.9%)
4.30B
est: 5.44B (-20.9%)
4.51B
est: 5.61B (-19.6%)
4.15B
est: 5.66B (-26.6%)
5.05B
est: 5.93B (-14.9%)
4.35B
est: 6.55B (-33.5%)
6.10B
est: 5.47B (+11.6%)
6.97B
est: 8.66B (-19.5%)
7.18B
est: 9.01B (-20.2%)
9.58B
9.44B – 9.98B
+6.4% YoY
10.09B
9.73B – 10.70B
+5.3% YoY
10.63B
10.46B – 10.80B
+5.4% YoY
10.75B
10.48B – 11.30B
+1.1% YoY
11.00B
10.72B – 11.56B
+2.3% YoY
Net Income
2.03B
est: 2.30B (-11.6%)
2.08B
est: 2.18B (-4.4%)
2.11B
est: 2.15B (-1.9%)
2.31B
est: 2.39B (-3.4%)
2.67B
est: 2.64B (+1.3%)
1.74B
est: 2.05B (-14.9%)
2.85B
est: 2.81B (+1.4%)
2.24B
est: 2.84B (-21.2%)
3.75B
est: 3.50B (+7.0%)
3.72B
est: 3.86B (-3.4%)
4.17B
est: 4.15B (+0.5%)
4.67B
4.03B – 5.48B
+12.5% YoY
5.03B
4.21B – 5.88B
+7.7% YoY
5.31B
4.12B – 6.91B
+5.5% YoY
5.66B
5.47B – 6.03B
+6.7% YoY
5.95B
5.75B – 6.34B
+5.1% YoY
SGA
2.58B
est: 2.59B (-0.3%)
2.59B
est: 2.57B (+0.9%)
2.58B
est: 2.50B (+3.0%)
2.44B
est: 2.37B (+2.7%)
2.74B
est: 2.45B (+11.7%)
2.74B
est: 2.47B (+11.1%)
2.81B
est: 2.59B (+8.5%)
3.35B
est: 2.86B (+17.1%)
1.37B
est: 1.70B (-19.8%)
1.36B
est: 2.70B (-49.5%)
est: 2.81B (-100.0%)
2.98B
2.94B – 3.11B
+6.4% YoY
3.14B
3.03B – 3.33B
+5.3% YoY
3.31B
3.26B – 3.36B
+5.4% YoY
3.35B
3.26B – 3.52B
+1.1% YoY
3.43B
3.34B – 3.60B
+2.3% YoY
EPS
1.30
est: 1.49 (-12.9%)
1.34
est: 1.41 (-5.2%)
1.35
est: 1.40 (-3.4%)
1.48
est: 1.55 (-4.7%)
1.70
est: 1.71 (-0.7%)
1.11
est: 1.33 (-16.6%)
1.81
est: 1.82 (-0.7%)
1.42
est: 1.84 (-22.9%)
2.43
est: 2.27 (+7.1%)
2.42
est: 2.42 (+0.0%)
2.76
est: 2.79 (-1.2%)
3.14
2.66 – 3.62
+12.6% YoY
3.39
2.78 – 3.89
+8.0% YoY
3.63
2.72 – 4.56
+6.8% YoY
3.74
3.62 – 3.99
+3.1% YoY
3.93
3.80 – 4.19
+5.1% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B 3/5 5/5 3/5 3/5 2/5 2/5 2/5
2026-05-28 B 3/5 5/5 3/5 3/5 2/5 2/5 2/5
2026-05-27 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-05-26 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-05-25 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-05-22 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-05-21 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-05-20 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-05-19 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-05-18 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-05-15 B 3/5 5/5 3/5 3/5 2/5 2/5 2/5
2026-05-14 B 3/5 5/5 3/5 3/5 2/5 2/5 2/5
2026-05-13 B 3/5 5/5 3/5 3/5 2/5 2/5 2/5
2026-05-12 B 3/5 5/5 3/5 3/5 2/5 2/5 2/5
2026-05-11 B 3/5 5/5 3/5 3/5 2/5 2/5 2/5
2026-05-08 B 3/5 5/5 3/5 3/5 2/5 2/5 2/5
2026-05-07 B 3/5 5/5 3/5 3/5 2/5 2/5 2/5
2026-05-06 B 3/5 5/5 3/5 3/5 2/5 2/5 2/5
2026-05-05 B 3/5 5/5 3/5 3/5 2/5 2/5 2/5
2026-05-04 B 3/5 5/5 3/5 3/5 2/5 2/5 2/5
2026-04-30 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-04-29 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-04-28 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-04-27 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-04-24 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-04-23 B 3/5 5/5 3/5 4/5 1/5 2/5 2/5
2026-04-22 B 3/5 5/5 3/5 4/5 1/5 2/5 2/5
2026-04-21 B 3/5 5/5 3/5 4/5 1/5 2/5 2/5
2026-04-20 B 3/5 5/5 3/5 4/5 1/5 2/5 2/5
2026-04-17 B+ 3/5 5/5 4/5 4/5 1/5 2/5 2/5
2026-04-16 B+ 3/5 5/5 4/5 4/5 1/5 2/5 2/5
2026-04-15 B+ 3/5 5/5 4/5 4/5 1/5 2/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
30.03B
OE per share TTM
19.45
Owner's Yield
50.06%
Maintenance CapEx ratio
10.22%
Maint CapEx / Avg PPE
5.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
82.7K
Shares Outstanding
1.50B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Philippe Roger Donnet MD, Group Chief Executive Officer & Director 6M male
Cristiano Borean Group Chief Financial Officer
David Cis Group Chief Operating Officer, Chief Executive Officer & GM of Group Operating Service Platform male
Fabio Cleva Head of Investor & Rating Agency Relations male
Francesco Martorana Group Chief Investment Officer male
Isabelle Marguerite Conner Group Chief Marketing & Customer Officer female
Monica Alessandra Possa Group Chief People & Organization Officer female
Simone Bemporad Group Chief Communications & Public Affairs Officer and Group Spokesperson male
Antonio Cangeri Group General Counsel
Stefania Bergamo Group Chief Compliance Officer female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits