Want to see IT:G full AI Analyst Report?
Top Page
Assicurazioni Generali S.p.A.
(G)
Select Model
Select Model
Rating:66Neutral
Price Target:
€44.00
▲(0.78% Upside)
Action:Reiterated
Date:09/16/26
The score is driven primarily by steady underlying financial performance with improving earnings and strong recent cash generation, tempered by leverage and variability in revenue/cash flows. Technicals add support due to a multi-timeframe uptrend and positive momentum, while valuation is supportive with a reasonable P/E and a solid dividend yield.
Positive Factors
Improving Earnings
The substantial increase in net income indicates that Generali has strengthened its earnings capacity over several years. This provides a durable foundation for dividends, reinvestment, and balance-sheet support, although future results will still depend on insurance and market conditions.
Negative Factors
Meaningful Leverage
Persistent leverage reduces Generali’s balance-sheet flexibility and can constrain its ability to absorb adverse conditions or pursue initiatives using additional borrowing. Although leverage improved from 2022, it remains higher than earlier years and is the principal stated balance-sheet risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Earnings
The substantial increase in net income indicates that Generali has strengthened its earnings capacity over several years. This provides a durable foundation for dividends, reinvestment, and balance-sheet support, although future results will still depend on insurance and market conditions.
Read all positive factors
Assicurazioni Generali S.p.A. (G) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€63.35B
Dividend Yield3.9%
Average Volume (3M)2.52M
Price to Earnings (P/E)14.1
Beta (1Y)0.93
Revenue Growth-8.06%
EPS Growth21.35%
CountryIT
Employees88,255
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)2.99
Shares Outstanding1,534,618,500
10 Day Avg. Volume1,487,231
30 Day Avg. Volume2,518,232
Financial Highlights & Ratios
PEG Ratio1.14
Price to Book (P/B)1.69
Price to Sales (P/S)0.73
P/FCF Ratio2.78
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€46.63Price Target Upside6.79% Upside
Rating ConsensusHold
Number of Analyst Covering6
EPS Forecast (FY)3.21
Revenue Forecast (FY)€103.33B
Assicurazioni Generali S.p.A. Business Overview & Revenue Model
Company 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, i...
Assicurazioni Generali S.p.A. Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
61
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 69.94B | 74.13B | 55.30B | 72.85B | 48.03B | 95.67B |
| Gross Profit | 45.18B | 69.09B | 55.30B | 48.48B | 25.91B | 95.67B |
| EBITDA | 7.74B | 7.18B | 6.97B | 6.51B | 5.43B | 5.59B |
| Net Income | 4.56B | 4.17B | 3.72B | 3.75B | 2.23B | 2.85B |
Balance Sheet | ||||||
| Total Assets | 581.19B | 558.53B | 538.65B | 507.23B | 503.24B | 586.23B |
| Cash, Cash Equivalents and Short-Term Investments | 7.04B | 7.31B | 8.31B | 230.43B | 287.67B | 357.05B |
| Total Debt | 41.48B | 39.57B | 37.54B | 36.28B | 36.93B | 16.57B |
| Total Liabilities | 545.89B | 523.74B | 505.55B | 475.94B | 474.26B | 554.35B |
| Stockholders Equity | 32.10B | 32.06B | 30.39B | 28.97B | 26.65B | 29.31B |
Cash Flow | ||||||
| Free Cash Flow | 21.98B | 19.46B | 15.01B | 1.55B | 9.42B | 29.39B |
| Operating Cash Flow | 22.31B | 19.90B | 15.38B | 1.73B | 10.34B | 17.48B |
| Investing Cash Flow | -20.93B | -19.00B | -13.82B | 2.27B | -9.02B | -16.30B |
| Financing Cash Flow | -2.29B | -1.83B | -342.00M | -3.80B | -2.42B | -677.00M |
Assicurazioni Generali S.p.A. Technical Analysis
Neutral
43.66
Price Trends
43.52
Negative
43.09
Negative
38.88
Positive
Market Momentum
-0.35
Negative
46.35
Neutral
74.99
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:G, the sentiment is Neutral. The current price of 43.66 is above the 20-day moving average (MA) of 42.31, above the 50-day MA of 43.52, and above the 200-day MA of 38.88, indicating a neutral trend. The MACD of -0.35 indicates Negative momentum. The RSI at 46.35 is Neutral, neither overbought nor oversold. The STOCH value of 74.99 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IT:G.
Assicurazioni Generali S.p.A. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | €4.89B | 9.27 | 26.00% | 5.80% | 17.28% | 6.84% | |
73 Outperform | €6.49B | 3.50 | 128.43% | 5.00% | 17.02% | 33.89% | |
73 Outperform | €20.63B | 10.00 | 16.12% | 4.43% | 6.94% | 51.57% | |
70 Outperform | €26.70B | 11.65 | 13.80% | 5.21% | 15.23% | 1.44% | |
69 Neutral | €19.78B | 6.92 | 14.34% | 7.64% | -4.14% | -19.23% | |
66 Neutral | €63.35B | 14.08 | 14.20% | 3.90% | -8.06% | 21.35% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IT:G
Assicurazioni Generali S.p.A.
42.10
10.66
33.92%
IT:AZM
Azimut Holding SPA
34.48
3.64
11.79%
IT:BGN
Banca Generali SpA
56.95
11.32
24.81%
IT:BAMI
Banco BPM S.p.A.
13.09
1.82
16.15%
IT:BPE
BPER Banca S.p.A.
12.70
3.56
38.94%
IT:UNI
Unipol Gruppo Finanziario SpA
24.59
7.32
42.40%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.