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Assicurazioni Generali S.p.A. G.MI

IT · Borsa Italiana · XMIL · stock · Financial Services · website

Assicurazioni Generali S.p.A. statistics & valuation

Market cap€66.3B
P / E15.9×
P / S0.9×
P / B2.1×
P / FCF3.5×
Net margin5.6%
FCF margin25.9%
Net debt€32.3B
Enterprise value USD$113.8B
Graham number -18.2%€35.89

Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (€35.89); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
6.80% 5.60% 6.40% 5.60% 2022202320242025
Gross margin (%)
2022202320242025
Operating margin (%)
2022202320242025
Return on equity (%)
8.40% 12.90% 12.30% 13.00% 2022202320242025
Shares outstanding
1.51B 1.51B 1.51B 1.51B 2022202320242025
Net debt (€)
€29.34B €28.27B €29.23B €32.26B 2022202320242025
Share buybacks (€)
2022202320242025
Return on assets (%)
0.40% 0.70% 0.70% 0.70% 2022202320242025
Free cash flow margin (%)
28.50% 2.30% 25.60% 25.90% 2022202320242025
Debt / equity (×)
1.36× 1.22× 1.24× 1.23× 2022202320242025
EPS (€)
€1.41 €2.43 €2.45 €2.70 2022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Assicurazioni Generali S.p.A. trades at about 16.3× earnings — above its 10-year norm (10-year range 8.5×–12.7×, median 12.7×).

8.5× 16.3×

Shaded band = 10-year range (8.5×–12.7×); dot = today's 16.3×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022
Net margin5.6%6.4%5.6%6.8%
FCF margin25.9%25.6%2.3%28.5%
Return on assets0.7%0.7%0.7%0.4%
Return on equity13.0%12.3%12.9%8.4%
Debt / equity1.23×1.24×1.22×1.36×

Computed from company filings · IT · as of 2025-12-31. Figures in EUR. Facts plus Stocktoria's own computed scores — not investment advice.