Equity Brief · Financial Services2026-09-16
G.MI·Financial Services

Next reporting 13 Nov 2026

Assicurazioni Generali S.p.A.

I · AI Analysis

The brief

Generali provides life insurance (savings, protection, unit-linked products), property & casualty insurance (motor, home, accident, health, commercial risks), and asset management (equity, fixed-income, and alternative funds) under the Generali brand [Yahoo Finance]. The company serves individuals, families, and multinational corporations across six continents, employing 88,255 people [Yahoo Finance].

Assicurazioni Generali is Italy's largest insurance company, offering life insurance, property & casualty coverage, and asset management across Europe, the Americas, Asia, and beyond [Yahoo Finance]. Recent news centers on regulatory approval for Intesa Sanpaolo to acquire indirect stakes in Generali [la Repubblica], and the company's expansion into tennis sponsorship with a Davis Cup presenting partnership [SportsMint Media]. Trailing-twelve-month revenue through 30 June 2026 reached EUR 59.3B, with operating margin at 12.1% and net margin at 7.7% [Yahoo Finance].

Generali shows stable profitability with a Health Score of 5.0/10, reflecting moderate concerns in a low-growth environment [Sentinellis calculation].

The brief AI analysisConfidence 6/10

Sentinellis health

Moderate concerns

5.0/10

7.5+ strong · 4.5–7.5 moderate · under 4.5 weak

Profitability

25% of score0.0/10
Net margin+7.7%· need ≥ 15.4%, the lower third of Financial Services in our libraryGross margin+20.4%· not applicable to this kind of company

Returns on capital

38% of score3.3/10
ROIC+8.0%· need > 10%Return on equity+14.1%

Growth & momentum

25% of score10.0/10
Revenue growth+5.4%Operating margin trend—· no data

Balance sheet

13% of score10.0/10
Current ratio2.5x· not applicable to this kind of companyNet debt / EBITDA4.2x· not applicable to this kind of companyInterest coverage6.3x· not applicable to this kind of companyDebt / equity1.19

Cash generation

no data
Free cash flowEUR 21.6B· not applicable to this kind of companyCash vs reported profitEUR 22.1B vs EUR 4.5B· not applicable to this kind of company

Value creation

no data
ROIC vs cost of capital—· no data

Sentinellis calculation from the published statements — not a score reported by any data source. Each category is scored on the checks that had data; missing inputs are excluded rather than counted as failures.

Market capitalisation

EUR 68.9B

Revenue (TTM)

EUR 59.3B

Explainers

How we read these numbers

Plain-English guides · no account needed

II · Recent news

What moved

6 stories · ranked by relevance

  • Company2026-09-16

    Intesa: ok preventivo Ivass a rilevare quote indirette in Generali e jv Axa-Mps - Il Sole 24 ORE

    Il Sole 24 ORE

  • Company2026-09-16

    Intesa Sanpaolo, ok IVASS all’acquisizione delle quote Generali e AXA MPS - PLTV.it

    pltv.it

  • Company2026-09-16

    Generali lancia “Connessioni”, il nuovo vodcast del Bollettino Generali - InsurZine

    InsurZine

  • Company2026-09-16

    Generali expands tennis portfolio with Davis Cup presenting partnership - SportsMint Media

    SportsMint Media

  • Company2026-09-16

    Intesa riceve da IVASS via libera per acquisizione quote Generali e AXA MPS - la Repubblica

    la Repubblica

  • Company2026-09-16

    Intesa-Mps, via libera Ivass sulle quote in Generali e Axa - SoldiOnline.it

    soldionline.it

Premium · Free with any account

The forward P/E of 13.4x is below the trailing P/E of 15.5x, meaning analysts covering the company expect earnings per share to fall from EUR 2.95 to EUR 3.40—a contradiction that suggests either the trailing figure includes one-off gains or the forward estimate is adjusted upward on a non-GAAP basis, creating uncertainty about true earnings trajectory [Yahoo Finance].

1 of 4 risks in this report

Risks

4

Opportunities

4

Leadership

10

7 more findings in the full report — free with any account.

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III · Related

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Produced 16 Sept 2026, 11:48 UTC

Figures come from company filings and market data. The Sentinellis health score and the wording attached to it are our interpretation of those figures, not numbers the company reported.

Not investment advice and not a recommendation to buy or sell. Sentinellis holds no positions in the companies it covers, takes no payment from issuers, and has no broker referral arrangements.

How every figure and score is calculated