Assicurazioni Generali S.p.A. (ARZGY) 📈: отчетность и дивиденды за 2025

Büyük harf kullanımı

UFRS

Raporlama Yıllık Üç ayda bir

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 yıllık ortalama	CAGR 5
Капитализация, млрд €			30.31	18.96	27.19	28.32	14.9	12.3	15.97	27.71	15.88	30.19	17.35	1.28
Выручка, млрд €			85.73	79.83	82.11	67.93	88.4	77.72	92.79	0.4444	57.2	61.85	63.31	-8.34
Чистая прибыль, млрд €			2.03	2.08	2.11	2.31	2.67	1.74	2.85	0.0178	3.75	3.35	2.21	7.03
EV, млрд €	33.59	51.68		37.33		33.72	39.94	30.82	41.08	0.2296	42.36	40.8	30.89	1.18
EBIT, млрд €			4.25	4.11	4.31	4.45	3.73	3.3	4.39	0.031	112.48	-1.63	24.79	97.64
EBITDA, млрд €			4.66	4.55	4.72	5	4.5	3.92	4.93	0.0339	112.82	-1.33	25.24	90.47
Баланс стоимость, млрд €			23.57	24.55	25.08	23.6	28.36	30.03	29.31	0.0991	28.97	25.92	23.35	0.43
FCF, млрд €			17.97	19.51	16.43	14.64	19.76	19.01	17.48	0.0606	1.56	1.4	11.57	-39.82
Операционный денежный поток, млрд €			18.12	20.66	16.43	14.99	20.34	19.34	17.48	0.0645	1.73	1.56	11.79	-38.91
Операционная прибыль, млрд €			3.41	3.16	4.31	4.45	3.73	3.08	4.16	0.0273	56.24	5.98	13.45	72.05
Операционные расходы, млрд €			0.641	0.771	-77.8	-63.49	-84.67	-74.64	-88.63	-0.4171	0.966	20.49	-49.4782	-140.87
CAPEX, млрд €			0.151	1.15	0.355	0.355	0.575	0.335	0.638	0.0039	0.177	0.1584	0.3458	-20.99

	2016Q2	2019Q4	2020Q4	2021Q2	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 çeyreğin ortalaması	CAGR 5
Капитализация, млрд €			12.37	16.21	16.77		30.01	23.49	25.72	29.74	31.16	32.07	16.09			26.96	-8.95
Выручка, млрд €					44.62		44.04	13.9	43.29	13.44	0.2112	15.16	34.6	15	15	15.99	134.57
Чистая прибыль, млрд €						0.701	1.4	0.683	1.51	1.11	0.0137	0.725	1.5	1.03	1.03	0.8597	137.26
EV, млрд €					24.79		22.37	4.65	35.07	43.38	0.2543	39.93	45.83	30.19	48.64	32.97	185.98
EBIT, млрд €						1.38	-0.3205	1.01	-1.13	1.61	-0.0032	0.991	-0.556	1.52	-0.578	0.2748	182.72
EBITDA, млрд €	1.18						-0.0395	-0.5985	-0.5985	-0.3645	-0.0022	-0.377	-0.377	-0.411	-0.411	-0.3156	184.63
Баланс стоимость, млрд €					29.31		19.08	26.65	16.2	26.69	0.1633	28.97	28.97	29.2	29.2	23.30	182.15
FCF, млрд €				9.34			7.75	0.026	2.15	-0.3005	-0.0037	1.08	2.17	3.32	3.32	1.98	-489.57
Операционный денежный поток, млрд €						4.08	8.17	0.27	2.37	-0.243	-0.003	1.11	2.23	3.43	3.43	2.04	-508.92
Операционная прибыль, млрд €					8.07		0.8815	1.61	1.61	1.97	0.0121	1.37	1.37	1.93	14.76	3.89	314.25
Операционные расходы, млрд €		57.14					20.72	12.68	9.4	11.54	0.0701	13.88	11.44	13.09	0.245	7.75	28.44
CAPEX, млрд €						0.207	0.414	0.244	0.224	0.0575	0.000704	0.031	0.062	0.1085	0.1085	0.0621	173.89

Nakit akımı Üç aylık nakit akışı Varlıklar

Bilanço

UFRS

Raporlama Yıllık Üç ayda bir

	2003	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 yıllık ortalama	CAGR 5
Наличность, млрд €				9.04	7.53	6.85	6.7	6.87	7.9	8.48	0.0443	7.07	6.33	6.07	0.58
Short Term Investments €				289.4	313.93	320.64	283.96	318.2	337.01	348.57	1.72	1.1	0.9817	201.32	-67.81
Long term investments €		287.07	400.42	374.06	362.94	366.79	317.54	339	374.68	384.69	313.78			345.94	-0.24
Total Receivables €			18.67	16.86	15.3	14.77	14.34	15.29	15.45	17.93	0.0799		14.09	12.62	-64.58
Total Current Assets €				305.82	328.57	327.49	290.65	325.07	344.91	357.05	1.76	7.07	20.28	207.17	-53.50
Чистые активы, млрд €				4.85	4.48	4.08	3.77	4.18	3.8	3.99	0.0249	312.53	315.62	64.90	137.00
Активы, млрд €				500.55	521.18	537.08	515.83	514.57	544.71	586.23	3.18	508.61	453.89	431.46	-0.23
Short Term Debt €		2.23	0.6049		0.048						0.000667	0.107	0.0957	0.5981	-45.52
Long Term Debt €			26.51	21.51	25.86	26.85	27.42	29.01	13.42	16.57	0.1008		17.8	17.30	-67.41
Задолженность, млрд €				475.84	495.52	510.9	491.18	484.72	512.92	554.35	3.06	477.33	425.9	406.48	-0.31
Чистый долг, млрд €				6.34	7.61	8.39	7.84	7.31	5.52	8.1	0.0565	26.1	26.14	9.42	28.99
Долг, млрд €		23.54	27.12		25.91		15.8	15.41	14.58	18	0.1008	33.17	32.47	16.25	16.57
Interest income €					10.07	9.65	8.3	8.86	8.3	8.11	7.75			8.26	-1.36
Расходы на обслуживание долга €				1.1	1.11	1.03	1.01	1.02	0.837	0.736	0.0044	0.793	0.7096	0.6781	-4.91
Чист. проц. доходы, млрд €					-1.46	-1.42	-1.19	-1.24	-0.837	-0.736	7.75		8.37	0.7494	-245.46
Goodwill €			6.62	6.66	6.66	6.68	6.68	7.18	7.54	7.61	7.92	7.84		7.62	1.77
Амортизация, млрд €				0.412	0.44	0.41	0.555	0.771	0.616	0.544	0.0028	0.342	0.306	0.4552	-15.00
Себестоимость, млрд €		71.06	90.6	83.92	107.22	357.2	206.41	223.02				8.72	7.8	180.51	-39.46
Товарно материальные запасы €	0.3814													0.3814	0.00

	2013Q4	2015Q4	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q2	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 çeyreğin ortalaması	CAGR 5
Наличность, млрд €																				8.48		8.1	6.89	7.24	6.36	0.0389	7.07	7.07	6.95	6.95	5.62	182.10
Short Term Investments €														318.2	313.5	337.01		329.9		348.57		301.68		280.42		1.35		1.1		0.784	117.07	-69.59
Long term investments €												344.35	698.45	339	355.4	374.68		366.18		384.69		335.84		313.78		428.35					365.77	3.19
Total Receivables €																	16.89	16.89	17.93	17.93	21.63	21.63	20.46	13.05	10.58	0.0258					13.15	-73.98
Total Current Assets €																					44.94	309.78	6.89	287.67	6.36	1.39	7.07	22.67	6.95	6.95	9.01	37.97
Чистые активы, млрд €																	3.79	3.79	3.99	3.99	3.95	3.95	4.07	4.07	3.78	0.0231					3.18	-64.24
Активы, млрд €																				586.23		536.18	503.24	519.05	511.21	3.13	508.61	507.23	521.73	521.73	412.49	178.21
Short Term Debt €	2.23		21.17	21.17	23.41	25.11	0.2945	0.3014																0.109				-1.36			4.89	-155.81
Long Term Debt €												28.48	44.35	29.01	28.82	13.42		15.51		16.57		16.39		16.48		0.1016					13.01	-63.42
Задолженность, млрд €																				554.35		515.05	474.26	500.91	482.25	2.95	477.33	475.94	489.83	489.83	387.18	178.00
Чистый долг, млрд €																				8.1		8.29	8.54	9.24	28.56	0.0627	8.13	29.21	10.57	29.06	15.41	241.35
Долг, млрд €								26.15												18		17.81		16.59	34.91	0.1016	15.2	36.28	17.52	36.01	21.02	223.52
Расходы на обслуживание долга €									0.2917	0.2891	0.7441	0.7884	0.535	0.6902										0.352		0.0023		0.424		0.542	0.4021	-4.72
Goodwill €																7.54		7.58		7.61		7.8	7.89	7.92	7.9	7.9	7.84	7.84			7.88	-0.20
Амортизация, млрд €		1.09																				0.281	-1.61	0.53	-1.97	0.000997	-1.37	0.179	-1.93	0.167	-0.5906	178.49
Себестоимость, млрд €									15.33	15.19	57.11	60.5	42.21	54.46									-9.26				1.69	1.27		-17.14	6.20	-179.36

Terfi

UFRS

Raporlama Yıllık Üç ayda bir

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 yıllık ortalama	CAGR 5
EPS	0.6979		1.71	0.8062	0.8958	0.8359	0.8848	1.16	0.0056	2.43			2.16	1.06	23.79
Цена акции ао				9.19	8.35	10.32	8.77	10.59	8.87	10.55	14.11	17.31	17.31	12.29	10.33
Число акций ао, млн		3113.13	2790.48	3161.27	3170.46	1569.46	1569.74	1574.63	19.41	1541.77			1387.86	1255.00	-0.36
FCF/акцию		5.77	6.99	5.2	4.62	12.59	12.11	11.1	3.12	1.01			1.01	7.99	-39.62

	2020Q4	2021Q2	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2025Q1	5 çeyreğin ortalaması	CAGR 5
EPS				0.2436	0.269	0.2907	0.5147	0.4291	0.0045	0.2337	0.954	0.6647	0.6634		0.5041	171.46
Цена акции ао			10.65	10.29	9.37	7.47	8.18	9.65	10.11	10.34	10.21			17.31	11.52	12.40
Число акций ао, млн	1569.74	1574.76	1574.63		3203.85	3145.5	3144.72	3082.61	3082.61	3102.78	1575.45				2797.63	-12.91
FCF/акцию					2.42	0.0083	0.6827	-0.0975	-0.195	0.3474	1.38	2.15	2.15		1.17	-261.61

	5 çeyreğin ortalaması	CAGR 5

Yeterlik

UFRS

Raporlama Yıllık Üç ayda bir

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Sektör ortalaması	5 yıllık ortalama	CAGR 5
ROE, %			8.61	8.48	8.41	9.78	9.41	5.81	9.71	12.8	16.59			12.92	17.45	10.86	12.01
ROA, %			0.4056	0.3993	0.3929	0.4476	0.5189	0.3202	0.4856	0.5269	0.729			0.7381	4.76	0.5161	7.04
ROIC, %	5.14	4.71		6.35			8.12	9.34	9.89	14.41					7.36	9.62	17.81
ROS, %					2.57	3.4	3.02	2.24	3.07	4.01	6.55	5.42	5.42	5.42	25.00	4.89	12.04
ROCE, %				16.01	16.47	18.04	12.5	10.39	13.77	0.9911	22.18		-5.83	-5.83	6.39	8.30	-189.09
Ebit margin, %							4.23	4.25	4.72	6.98	196.62		-2.64	-2.64		41.99	-190.92
Рентаб EBITDA, %				5.7	5.75	7.36	5.09	5.04	5.32	7.63	197.22		-2.15	-2.15	20.66	42.61	-184.33
Чистая рентаб, %			2.37	2.61	2.57	3.4	3.02	2.24	3.07	4.01	6.55			5.42	25.00	3.78	16.75
Operation Margin, %					5.25	6.54	4.22	3.97	4.48	6.14	98.31	9.67	9.67	9.67	11.86	25.65	16.64
Доходность FCF, %		59.73	59.28	102.9	60.42	51.68	132.64	154.55	109.47	35.72	9.86					88.45	-40.54

	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2019Q4	2021Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	Sektör ortalaması	5 çeyreğin ortalaması	CAGR 5
ROE, %							2.23	7.35	2.56	9.32	4.15	9.71	2.98	5.73	3.65	3.57	17.45	5.13	-18.14
ROA, %							0.1115	0.2615	0.1357	0.2909	0.2164	0.4388	0.1422	0.2959	0.1994	0.1967	4.76	0.2546	-14.83
ROIC, %		1.63	1.63	1.83	1.91					4.7		9.66		2.53	4.31	3.09	7.36	4.86	-8.05
ROS, %						1.85		3.18	4.91	3.49	8.23	6.49	4.78	4.34	6.84	6.84	25.00	5.86	1.06
ROCE, %							3.78	-1.52	3.49	-6.22	5.55	-0.1038	0.1945	-0.1099	0.2993	-0.1131	6.39	0.0334	1.73
Ebit margin, %												-1.52	6.54	-1.61	10.15	-3.85		1.94	20.43
Рентаб EBITDA, %	5.98							-0.0897	-4.3	-1.38	-2.71	-1.04	-2.49	-1.09	-2.74	-2.74	20.66	-2.0200	21.38
Чистая рентаб, %						1.85		3.18	4.91	3.49	8.23	6.49	4.78	4.34	6.84	6.84	25.00	5.86	1.06
Operation Margin, %						14.48		2	11.58	3.72	14.68	5.73	9.02	3.95	12.89	98.37	11.86	25.99	76.58
Доходность FCF, %								25.83	0.1107	8.35	-1.01	-1.93	3.36	13.47				4.45	10.04

Oranlar

UFRS

Raporlama Yıllık Üç ayda bir

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Sektör ortalaması	5 yıllık ortalama	CAGR 5
P/E			14.93	9.11	12.89	12.27	5.58	7.05	5.61	9.71	4.34			4.37	48.33	6.46	-4.90
P/BV			1.29	0.7723	1.08	1.2	0.5254	0.4096	0.5448	1.56	0.5199			0.5237	7.81	0.7119	-0.21
P/S			0.3535	0.2375	0.3312	0.4169	0.1686	0.1582	0.1721	0.3894	0.2843			0.237	16.50	0.2345	11.02
P/FCF					1.66	1.93	0.7539	0.647	0.9135	2.8	10.14	21.54	21.54	21.54	2.41	11.39	88.15
E/P					0.0776	0.0815	0.1792	0.1418	0.1783	0.1051	0.236	0.111	0.111	0.111	87.41	0.1483	-9.04
EV/EBIT							6.37	5.9	5.71	7.41	0.3766	-24.98	-24.98	-24.98		-7.2927	-234.34
EV/EBITDA	7.17	11.7		8.21		6.21	6.58	6.18	6.58	6.78	0.3755			-30.74	-222.08	5.30	-43.60
EV/S		0.6279		0.4677			0.2694	0.2509	0.2697	0.5167	0.7406	0.6597	0.6597	0.6597	16.20	0.5693	19.59
EV/FCF		2.62		1.91			1.2	1.03	1.43	3.79	27.24	29.12	29.12	29.12	21.08	18.14	82.71
Debt/EBITDA				5.7		2.91	2.54	2.92	2.89	2.97	0.294	-24.47	-24.47	-24.47	-305.66	-8.5572	-253.30
Netdebt/Ebitda					1.78	1.57	1.62	1.41	1.64	1.67	0.2313	-19.7	-19.7	-19.7	-297.90	-7.1717	-264.41
Debt/Ratio		0.0541		0.0497			0.0276	0.0246	0.0283	0.0317	0.0652	0.0715	0.0715	0.0715	0.12	0.0536	20.37
Debt/Equity		1.17		1.06			0.5	0.447	0.5654	1.02	1.14	0.1029	15.22	15.22	11.37	3.61	93.20
Debt/Net Income		16.24		12.45			5.31	7.7	5.82	5.66	8.85	9.69	9.69	9.69	30.43	7.94	10.73
PEG													0.0138	0.0138		0.0138	0.00
Бета											0.5935	0.8712	-1.75	-1.75	-1.22	-0.0951	-243.40
Индекс Альтмана					0.5395	0.5241	0.5862	0.6112	0.5212	0.5116	19.22	7.5	7.5	7.5	50.21	7.05	70.46

	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2019Q4	2020Q4	2021Q2	2021Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2025Q1	2025Q2	Sektör ortalaması	5 çeyreğin ortalaması	CAGR 5
P/E											25.66	21.4	34.39	17.04	26.88	5.69	5.69	4.64	4.93	5.03			48.33	5.20	-2.44
P/BV											0.5721	1.57	0.8813	1.59	1.11	1.08	1.02	0.5313	0.615	0.6137			7.81	0.7720	-10.69
P/S								0.2407				0.6814	1.69	0.5942	2.21	0.301	0.2997	0.2488	0.2661	0.2736			16.50	0.2778	-1.89
P/FCF												3.87	903.33	11.98	-98.97	-51.85	29.75	7.42					2.41	-20.3340	-9.14
E/P									0.0392	0.0475	0.039	0.0467	0.0291	0.0587	0.0372	0.072	0.0226	0.0934					87.41	0.0568	9.73
EV/EBIT																-79.47	40.29	-82.43	19.83	-84.15				-37.1860	1.15
EV/EBITDA													-11.46	-58.6	-27.1	-21.58	-23.43	-30.9	-19.74	-30.86			-222.08	-25.3020	7.42
EV/S		2.25	2.52	2.57	2.7									0.8102		1.2	2.63	1.32	2.01	3.24			16.20	2.08	21.98
EV/FCF														16.34		-68.73	37.04	21.15	9.09	14.64			21.08	2.64	-173.40
Debt/EBITDA														-27.72		-46.18	-40.31	-96.24	-42.62	-87.62			-305.66	-62.5940	13.67
Netdebt/Ebitda	5.78											-209.95	-14.26	-15.44	-78.35	-28.5	-21.55	-77.48	-25.71	-70.7			-297.90	-44.7880	19.93
Debt/Ratio				0.0829	0.0947	0.0405	0.0487							0.032		0.0325	0.0299	0.0715	0.0336	0.069			0.12	0.0473	16.25
Debt/Equity				1.85	2.12	0.8683	1.04							1.02		0.6222	0.5245	1.25	0.5999	1.23			11.37	0.8453	14.60
Debt/Net Income		92.07	92.07	71.98	71.98									10.99		7.42	20.96	24.14	17.07	35.1			30.43	20.94	36.45
Бета																					-2.64	-1.36	-1.22	-2.0000	-28.23
Индекс Альтмана												0.4387	0.3679	0.4077	0.1763	0.366					7.5	7.5	50.21	3.19	79.04

Temettüler

UFRS

Raporlama Yıllık Üç ayda bir

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Sektör ortalaması	5 yıllık ortalama	CAGR 5
Див.выплата, млрд	0.702	0.934	1.12	1.25	1.25	1.41	0.783	2.31	0.011	1.79				1.26	4.89
Дивиденд			0.4017	0.4484	0.524	0.5026	0.2777	0.8828	0.587	0.64	0.684	0.684		0.6143	19.76
Див доход, ао, %			5.91	5.21	5.87	5.29	3.54	8.71	9.56	12.77	5.34	5.34	7.90	7.98	8.57
Дивиденды / прибыль, %		46.01	53.96	59.19	54.09	52.92	44.9	81.14	58.04	47.86		47.86	516.47	56.97	-1.99

	2015Q2	2016Q2	2017Q2	2018Q2	2019Q2	2020Q2	2021Q2	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q4	2024Q1	2024Q2	Sektör ortalaması	5 çeyreğin ortalaması	CAGR 5
Див.выплата, млрд								0.3695	0.8365	0.924	0.0305	0.0305	0.9705	0.0119	0.148	0.987	0.987		0.6209	0.34
Дивиденд	0.3287	0.4017	0.4484	0.524	0.5026	0.2777	0.6171	0.2657		0.587				0.64					0.4775	18.17
Див доход, ао, %	3.43	5.71	5.6	5.71	5.39	3.88	6	2.49		6.27				6.33				7.90	4.99	10.28
Дивиденды / прибыль, %								56.54	119.33	65.91	4.47	2.02	87.71	86.54	9.85	96.2	96.2	516.47	75.30	1.87

Dinlenmek

UFRS

Raporlama Yıllık

	2023	2024	CAGR 5
Персонал, чел	82061	81879	-0.11

	CAGR 5

	CAGR 5

Investing Port

OTC: ARZGY - Assicurazioni Generali S.p.A.

Raporlama Assicurazioni Generali S.p.A.

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