Assicurazioni Generali S.p.A. (ARZGF)
ValueMarkers Composite Index
80% above intrinsic value ($26)
Assicurazioni Generali S.p.A. (ARZGF) — VMCI valuation read
Assicurazioni Generali S.p.A. sits at VMCI 60/100, with the Financial Services sector median at 50. That 10-point spread is the first thing to note on ARZGF: it tells the reader the composite is favorable before any single ratio is examined, and the mid-cap tier sets the comparison set.
Form 4 disclosures on ARZGF are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.
**Investor frame.** The Value read on ARZGF: ARZGF trades at 18.0x earnings, 0% above the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 12.0% sits 2.0pp above the Financial Services median (10.0%). The Risk read: net debt to EBITDA of -0.4x leaves covenant headroom, anchoring the bear scenario on a measurable balance-sheet metric.
ARZGF fell 1.2% over the trailing 7 days, with a -3.0% read on a 30-day basis.
Assicurazioni Generali S.p.A. provides various insurance solutions. The company operates through four segments: Non-Life; Life; Asset Management; and Holding and Other Business. It offers saving and protection insurance products for individuals and family; unit linked products with investment purposes; and motor, motor third-party liability, casualty, accident, health, and commercial and industrial risks insurance products. The company also provides equity and fixed-income funds, and alternative products; and investment advisory, asset management, and financial planning services. It operates in Italy, France, Germany, Austria, Czech Republic, Poland, Hungary, Slovakia, Serbia, Montenegro, Romania, Slovenia, Bulgaria, Croatia, Russia, Spain, Switzerland, the Americas, Southern Europe, and Asia. The company was formerly known as Assicurazioni Generali Austro-Italiche and changed its name to Assicurazioni Generali S.p.A. in 1848. Assicurazioni Generali S.p.A. was founded in 1831 and is headquartered in Trieste, Italy.
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