Assicurazioni Generali S.p.A. ARZGF

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Price alert · ARZGF

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35.01 USD -4.96 -12.40%

At close · Feb 5

35.01 Day range 35.01
35.01 52-week range 52.21
YTD
-12.41%
1 year
+8.39%
Open
35.01
Prev close
39.97
Mkt cap
52.53B
Vol
13
Avg vol
4
EPS
3.44
P/E
10.18
More statistics
Low
35.01
High
35.01
Earnings
Mar 16, 2027

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Financial health

Altman Z-Score

0.33 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 12.6×
FY 2016: 8.9×FY 2017: 11.1×FY 2018: 9.6×FY 2019: 10.9×FY 2020: 12.9×FY 2021: 10.2×FY 2022: 10.8×FY 2023: 7.7×FY 2024: 11.5×FY 2025: 12.6×
FY 2016 5y median 10.8× FY 2025
P/S 0.7×
FY 2016: 0.2×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.8×FY 2025: 0.7×
FY 2016 5y median 0.5× FY 2025
P/B 1.6×
FY 2016: 0.8×FY 2017: 0.9×FY 2018: 0.9×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 1.0×FY 2023: 1.0×FY 2024: 1.4×FY 2025: 1.6×
FY 2016 5y median 1.0× FY 2025
P/FCF 2.6×
FY 2016: 0.9×FY 2017: 1.4×FY 2018: 1.5×FY 2019: 1.5×FY 2020: 1.2×FY 2021: 1.0×FY 2022: 2.6×FY 2023: 18.6×FY 2024: 2.7×FY 2025: 2.6×
FY 2016 5y median 2.6× FY 2025
EV/EBITDA 11.7×
FY 2016: 5.4×FY 2017: 6.6×FY 2018: 6.4×FY 2019: 7.1×FY 2020: 5.5×FY 2021: 6.4×FY 2022: 6.1×FY 2023: 8.6×FY 2024: 7.3×FY 2025: 11.7×
FY 2016 5y median 7.3× FY 2025
EV/Sales 1.2×
FY 2016: 0.3×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.7×FY 2023: 1.1×FY 2024: 0.9×FY 2025: 1.2×
FY 2016 5y median 0.9× FY 2025
FCF Yield 37.8%
FY 2016: 110.3%FY 2017: 70.0%FY 2018: 65.7%FY 2019: 68.3%FY 2020: 84.3%FY 2021: 100.9%FY 2022: 38.4%FY 2023: 5.4%FY 2024: 36.4%FY 2025: 37.8%
FY 2016 5y median 37.8% FY 2025

Profitability

Gross Margin 100.0%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 104.3%FY 2021: 100.0%FY 2022: 31.9%FY 2023: 94.8%FY 2024: 100.0%FY 2025: 100.0%
FY 2016 5y median 100.0% FY 2025
Operating Margin 9.2%
FY 2016: 4.0%FY 2017: 5.3%FY 2018: 6.5%FY 2019: 4.2%FY 2020: 4.4%FY 2021: 5.6%FY 2022: 8.8%FY 2023: 12.0%FY 2024: 13.0%FY 2025: 9.2%
FY 2016 5y median 9.2% FY 2025
Net Margin 6.0%
FY 2016: 2.6%FY 2017: 2.6%FY 2018: 3.4%FY 2019: 3.0%FY 2020: 2.2%FY 2021: 3.0%FY 2022: 4.7%FY 2023: 7.1%FY 2024: 6.7%FY 2025: 6.0%
FY 2016 5y median 6.0% FY 2025
ROE 13.0%
FY 2016: 8.5%FY 2017: 8.4%FY 2018: 9.8%FY 2019: 9.4%FY 2020: 5.8%FY 2021: 9.7%FY 2022: 9.0%FY 2023: 12.9%FY 2024: 12.3%FY 2025: 13.0%
FY 2016 5y median 12.3% FY 2025
ROIC 0.8%
FY 2016: 0.3%FY 2017: 0.4%FY 2018: 0.5%FY 2019: 0.4%FY 2020: 0.3%FY 2021: 0.5%FY 2022: 0.5%FY 2023: 0.9%FY 2024: 0.6%FY 2025: 0.8%
FY 2016 5y median 0.6% FY 2025
ROA 0.7%
FY 2016: 0.4%FY 2017: 0.4%FY 2018: 0.4%FY 2019: 0.5%FY 2020: 0.3%FY 2021: 0.5%FY 2022: 0.5%FY 2023: 0.7%FY 2024: 0.7%FY 2025: 0.7%
FY 2016 5y median 0.7% FY 2025

Growth (YoY)

Revenue 24.9%
FY 2016: -6.9%FY 2017: 2.9%FY 2018: -17.3%FY 2019: 30.1%FY 2020: -12.1%FY 2021: 23.1%FY 2022: -46.3%FY 2023: 3.0%FY 2024: 4.5%FY 2025: 24.9%
FY 2016 FY 2025
Operating Income -11.5%
FY 2016: -7.3%FY 2017: 36.5%FY 2018: 3.1%FY 2019: -16.0%FY 2020: -9.2%FY 2021: 56.8%FY 2022: -15.3%FY 2023: 41.4%FY 2024: 12.9%FY 2025: -11.5%
FY 2016 FY 2025
EPS (diluted) 10.2%
FY 2016: 2.3%FY 2017: 0.8%FY 2018: 9.0%FY 2019: 15.9%FY 2020: -35.1%FY 2021: 64.2%FY 2022: -15.8%FY 2023: 60.5%FY 2024: 1.2%FY 2025: 10.2%
FY 2016 FY 2025
Free Cash Flow 23.9%
FY 2016: 14.1%FY 2017: -19.8%FY 2018: -10.9%FY 2019: 35.0%FY 2020: -3.8%FY 2021: 54.6%FY 2022: -66.3%FY 2023: -84.3%FY 2024: 909.8%FY 2025: 23.9%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 15.5×FY 2017: 73.6×FY 2018: 71.2×FY 2019: 65.8×FY 2020: 54.5×FY 2021: 51.3×FY 2022: 37.7×FY 2023: 15.4×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 15.4× FY 2025
Quick Ratio 0.0×
FY 2016: 15.5×FY 2017: 73.6×FY 2018: 71.2×FY 2019: 65.8×FY 2020: 54.5×FY 2021: 51.3×FY 2022: 37.7×FY 2023: 15.4×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 15.4× FY 2025
Debt / Equity 1.2×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 0.6×FY 2019: 0.5×FY 2020: 0.4×FY 2021: 0.6×FY 2022: 0.6×FY 2023: 1.3×FY 2024: 0.6×FY 2025: 1.2×
FY 2016 5y median 0.6× FY 2025
Net Debt / EBITDA 4.5×
FY 2016: 1.6×FY 2017: 1.7×FY 2018: 1.7×FY 2019: 1.4×FY 2020: 1.1×FY 2021: 1.4×FY 2022: 1.6×FY 2023: 4.3×FY 2024: 1.3×FY 2025: 4.5×
FY 2016 5y median 1.6× FY 2025
Interest Coverage 7.8×
FY 2016: 2.8×FY 2017: 4.2×FY 2018: 4.4×FY 2019: 3.6×FY 2020: 4.1×FY 2021: 7.2×FY 2022: 6.9×FY 2023: 8.0×FY 2024: 6.3×FY 2025: 7.8×
FY 2016 5y median 7.2× FY 2025

Dividends

Dividend Yield 4.2%
FY 2016: 6.4%FY 2017: 5.3%FY 2018: 5.6%FY 2019: 4.9%FY 2020: 3.5%FY 2021: 7.9%FY 2022: 7.4%FY 2023: 6.2%FY 2024: 4.8%FY 2025: 4.2%
FY 2016 5y median 6.2% FY 2025
Payout Ratio 52.0%
FY 2016: 56.9%FY 2017: 59.2%FY 2018: 54.1%FY 2019: 52.9%FY 2020: 44.9%FY 2021: 81.1%FY 2022: 79.8%FY 2023: 47.9%FY 2024: 55.2%FY 2025: 52.0%
FY 2016 5y median 55.2% FY 2025

Annual · latest fiscal year ends 2025-12-31