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Assicurazioni Generali S.p.A. ARZGY

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Price alert · ARZGY

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23.70 USD -0.05 -0.21%

At close · Oct 30

23.62 Day range 23.72
18.75 52-week range 26.49
YTD
+13.23%
1 year
+23.24%
Open
23.66
Prev close
23.75
Mkt cap
71.12B
Vol
10.40K
Avg vol
58.38K
EPS
1.72
P/E
13.78
More statistics
Low
23.62
High
23.72
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.

FMP rating

B3 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 2
  • Debt / Equity 2
  • P/E 2
  • P/B 2

Valuation

P/E 13.4×
FY 2016: 10.5×FY 2017: 11.3×FY 2018: 10.0×FY 2019: 11.0×FY 2020: 12.9×FY 2021: 10.3×FY 2022: 22.2×FY 2023: 8.0×FY 2024: 11.2×FY 2025: 13.4×
FY 2016 5y median 11.2× FY 2025
P/S 0.8×
FY 2016: 0.3×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: 0.7×FY 2025: 0.8×
FY 2016 5y median 0.5× FY 2025
P/B 1.7×
FY 2016: 0.9×FY 2017: 1.0×FY 2018: 1.0×FY 2019: 1.0×FY 2020: 0.7×FY 2021: 1.0×FY 2022: 1.0×FY 2023: 1.0×FY 2024: 1.4×FY 2025: 1.7×
FY 2016 5y median 1.0× FY 2025
P/FCF 2.9×
FY 2016: 1.0×FY 2017: 1.5×FY 2018: 1.6×FY 2019: 1.5×FY 2020: 1.2×FY 2021: 1.0×FY 2022: 2.6×FY 2023: 19.0×FY 2024: 2.5×FY 2025: 2.9×
FY 2016 5y median 2.6× FY 2025
EV/EBITDA 12.5×
FY 2016: 6.1×FY 2017: 6.8×FY 2018: 6.2×FY 2019: 8.1×FY 2020: 5.5×FY 2021: 6.1×FY 2022: 6.2×FY 2023: 0.5×FY 2024: 7.1×FY 2025: 12.5×
FY 2016 5y median 6.2× FY 2025
EV/Sales 1.3×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.5×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.7×FY 2023: 1.0×FY 2024: 0.9×FY 2025: 1.3×
FY 2016 5y median 0.9× FY 2025
FCF Yield 34.7%
FY 2016: 98.3%FY 2017: 68.8%FY 2018: 63.6%FY 2019: 67.5%FY 2020: 84.6%FY 2021: 100.3%FY 2022: 38.3%FY 2023: 5.3%FY 2024: 39.6%FY 2025: 34.7%
FY 2016 5y median 38.3% 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: 7.9%FY 2021: 100.0%FY 2022: 32.5%FY 2023: 90.2%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: 4.0%FY 2021: 5.6%FY 2022: 8.8%FY 2023: 11.8%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: 7.0%FY 2024: 6.7%FY 2025: 6.0%
FY 2016 5y median 6.0% FY 2025
ROE 12.5%
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: 8.8%FY 2023: 12.9%FY 2024: 12.3%FY 2025: 12.5%
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 20.0%
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: -47.2%FY 2023: 6.4%FY 2024: 2.9%FY 2025: 20.0%
FY 2016 FY 2025
Operating Income -15.0%
FY 2016: -7.3%FY 2017: 36.5%FY 2018: 3.1%FY 2019: -16.0%FY 2020: -17.4%FY 2021: 72.4%FY 2022: -16.8%FY 2023: 44.0%FY 2024: 12.9%FY 2025: -15.0%
FY 2016 FY 2025
EPS (diluted) 9.0%
FY 2016: 2.3%FY 2017: 0.8%FY 2018: 9.8%FY 2019: 15.1%FY 2020: -28.0%FY 2021: 47.1%FY 2022: -58.4%FY 2023: 221.5%FY 2024: 2.5%FY 2025: 9.0%
FY 2016 FY 2025
Free Cash Flow 13.9%
FY 2016: 19.6%FY 2017: -23.6%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: 955.1%FY 2025: 13.9%
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: 0.7×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.7× 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: 0.7×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.7× 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: 1.1×FY 2024: 0.6×FY 2025: 1.2×
FY 2016 5y median 0.6× FY 2025
Net Debt / EBITDA 4.7×
FY 2016: 1.6×FY 2017: 1.8×FY 2018: 1.6×FY 2019: 1.6×FY 2020: 1.1×FY 2021: 1.3×FY 2022: 1.6×FY 2023: 0.2×FY 2024: 1.3×FY 2025: 4.7×
FY 2016 5y median 1.3× FY 2025
Interest Coverage 7.8×
FY 2016: 2.8×FY 2017: 4.2×FY 2018: 4.4×FY 2019: 3.6×FY 2020: 3.7×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 3.9%
FY 2016: 5.7%FY 2017: 5.2%FY 2018: 5.4%FY 2019: 4.8%FY 2020: 3.5%FY 2021: 7.9%FY 2022: 7.4%FY 2023: 6.1%FY 2024: 5.2%FY 2025: 3.9%
FY 2016 5y median 6.1% FY 2025
Payout Ratio 52.0%
FY 2016: 59.7%FY 2017: 59.2%FY 2018: 54.1%FY 2019: 52.9%FY 2020: 44.9%FY 2021: 81.1%FY 2022: 81.3%FY 2023: 47.9%FY 2024: 57.7%FY 2025: 52.0%
FY 2016 5y median 57.7% FY 2025

Annual · latest fiscal year ends 2025-12-31