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BIT/G (BIT/G)

Borsa Italiana: BIT/G · EUR

€42.7

-0.31 (-0.7%)· Recorded snapshot

Market cap	64.5B
Revenue (ttm)	59.3B
Net income (ttm)	4.5B
EPS (ttm)	€2.96
Shares out	1.5B
P/E (trailing)	14.4x
P/E (forward)	13.0x
Dividend	€1.64 (3.84%)
Volume	881,432
Beta	0.69

Market data

Price

Recent price action with selectable time range.

Metric	Value
Amount currency	EUR
Country	Italy
Country code	IT
Earnings date	2026-11-13
Employees	88,255
Enterprise value	EUR 101.8B
Exchange	Borsa Italiana
Financial currency	EUR
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1831
Industry	Insurance - Diversified
Is primary listing	Yes
ISIN number	IT0000062072
Last earnings date	2026-08-06
Last refreshed	2026-10-28
Last stock split date	2009-05-18
Last stock split type	Forward
Market cap	EUR 64.5B
Next earnings date	2026-11-13
Price	EUR 42.68
Price currency	EUR
Sector	Financials
SIC code	6311
Stock price date	2026-10-28
Symbol	bit/G
Website	https://www.generali.com

Metric

Value

Amount currency

EUR

Country

Italy

Country code

Earnings date

2026-11-13

Employees

88,255

Enterprise value

EUR 101.8B

Exchange

Borsa Italiana

Financial currency

EUR

Financial report date

2026-06-30

First seen

2026-05-10

Fiscal year end

December

Founded

1831

Industry

Insurance - Diversified

Is primary listing

Yes

ISIN number

IT0000062072

Last earnings date

2026-08-06

Last refreshed

2026-10-28

Last stock split date

2009-05-18

Last stock split type

Forward

Market cap

EUR 64.5B

Next earnings date

2026-11-13

Price

EUR 42.68

Price currency

EUR

Sector

Financials

SIC code

6311

Stock price date

2026-10-28

Symbol

bit/G

Website

https://www.generali.com

Metric	Value
Adjusted P/E ratio	13.95x
Average P/E ratio (10Y)	10.77x
Average P/E ratio (3Y)	10.7x
Average P/E ratio (5Y)	10.92x
Earnings yield	6.93%
EV/Earnings	22.5x
EV/EBIT	13.4x
EV/EBITDA	12.66x
EV/FCF	4.71x
EV/Sales	1.72x
FCF / EV yield	21.25%
FCF yield	33.42%
Forward P/E	12.98x
Graham number	37.60045
Graham upside	-11.92%
Lynch fair value	EUR 62.48
Lynch upside	46.35%
P/B ratio	1.86x
P/E ratio	14.42x
P/FCF ratio	2.99x
P/OCF ratio	2.95x
P/S ratio	1.1x
PEG ratio	1.44x
Price / tangible book value	3.25x
Price/EBITDA ratio	8.05x
Sector forward P/E	10.82x
Sector P/E	11.69x

Metric

Value

Adjusted P/E ratio

13.95x

Average P/E ratio (10Y)

10.77x

Average P/E ratio (3Y)

10.7x

Average P/E ratio (5Y)

10.92x

Earnings yield

6.93%

EV/Earnings

22.5x

EV/EBIT

13.4x

EV/EBITDA

12.66x

EV/FCF

4.71x

EV/Sales

1.72x

FCF / EV yield

21.25%

FCF yield

33.42%

Forward P/E

12.98x

Graham number

37.60045

Graham upside

-11.92%

Lynch fair value

EUR 62.48

Lynch upside

46.35%

P/B ratio

1.86x

P/E ratio

14.42x

P/FCF ratio

2.99x

P/OCF ratio

2.95x

P/S ratio

1.1x

PEG ratio

1.44x

Price / tangible book value

3.25x

Price/EBITDA ratio

8.05x

Sector forward P/E

10.82x

Sector P/E

11.69x

Metric	Value
EBIT margin	12.86%
EBITDA margin	13.62%
Effective tax rate	26.74%
FCF margin	36.62%
Gross margin	20.42%
Operating margin	12.86%
Pretax margin	11.7%
Profit margin	7.68%
Profit per employee	EUR 51,487
Profitable quarters	36
Profitable years	23
Revenue per employee	EUR 672,143
ROA	0.85%
ROA (5Y)	0.73%
ROCE	1.34%
ROE	15.14%
ROE (5Y)	11.72%
ROIC	7.32%
ROIC (5Y)	6.86%
Tax / revenue	3.13%

Metric

Value

EBIT margin

12.86%

EBITDA margin

13.62%

Effective tax rate

26.74%

FCF margin

36.62%

Gross margin

20.42%

Operating margin

12.86%

Pretax margin

11.7%

Profit margin

7.68%

Profit per employee

EUR 51,487

Profitable quarters

Profitable years

Revenue per employee

EUR 672,143

ROA

0.85%

ROA (5Y)

0.73%

ROCE

1.34%

ROE

15.14%

ROE (5Y)

11.72%

ROIC

7.32%

ROIC (5Y)

6.86%

Tax / revenue

3.13%

Metric	Value
EPS growth	22.82%
EPS growth (Q)	19.48%
EPS growth (QoQ)	30.27%
EPS growth 3Y	27.64%
EPS growth 5Y	22%
EPS growth quarters	2
EPS growth years	1
FCF growth	30.32%
FCF growth (Q)	25%
FCF growth (QoQ)	34.64%
FCF growth 3Y	32.09%
FCF growth 5Y	2.7%
Net income growth	20.77%
Net income growth (Q)	17.94%
Net income growth (QoQ)	25.51%
Net income growth 3Y	26.68%
Net income growth 5Y	21.11%
Net income growth quarters	2
Net income growth years	1
OCF growth	28.91%
OCF growth (Q)	23.15%
OCF growth (QoQ)	35.85%
OCF growth 3Y	28.72%
OCF growth 5Y	2.66%
Revenue growth	5.12%
Revenue growth (Q)	5.4%
Revenue growth (QoQ)	-0.32%
Revenue growth 10Y	-3.61%
Revenue growth 3Y	5.35%
Revenue growth 5Y	-6.05%
Revenue growth years	1

Metric

Value

EPS growth

22.82%

EPS growth (Q)

19.48%

EPS growth (QoQ)

30.27%

EPS growth 3Y

27.64%

EPS growth 5Y

22%

EPS growth quarters

EPS growth years

FCF growth

30.32%

FCF growth (Q)

25%

FCF growth (QoQ)

34.64%

FCF growth 3Y

32.09%

FCF growth 5Y

2.7%

Net income growth

20.77%

Net income growth (Q)

17.94%

Net income growth (QoQ)

25.51%

Net income growth 3Y

26.68%

Net income growth 5Y

21.11%

Net income growth quarters

Net income growth years

OCF growth

28.91%

OCF growth (Q)

23.15%

OCF growth (QoQ)

35.85%

OCF growth 3Y

28.72%

OCF growth 5Y

2.66%

Revenue growth

5.12%

Revenue growth (Q)

5.4%

Revenue growth (QoQ)

-0.32%

Revenue growth 10Y

-3.61%

Revenue growth 3Y

5.35%

Revenue growth 5Y

-6.05%

Revenue growth years

Metric	Value
Capital expenditures	EUR -336M
EBIT	EUR 7.6B
EBITDA	EUR 8.1B
EPS	EUR 2.96
FCF per share	EUR 14.37
Financing cash flow	EUR -2.3B
Free cash flow	EUR 21.7B
Gross profit	EUR 12.1B
Income taxes	EUR 1.9B
Investing cash flow	EUR -20.7B
Net borrowing	EUR 684M
Net cash flow	EUR -855M
Net income	EUR 4.5B
Operating income	EUR 7.6B
Revenue	EUR 59.3B

Metric

Value

Capital expenditures

EUR -336M

EBIT

EUR 7.6B

EBITDA

EUR 8.1B

EPS

EUR 2.96

FCF per share

EUR 14.37

Financing cash flow

EUR -2.3B

Free cash flow

EUR 21.7B

Gross profit

EUR 12.1B

Income taxes

EUR 1.9B

Investing cash flow

EUR -20.7B

Net borrowing

EUR 684M

Net cash flow

EUR -855M

Net income

EUR 4.5B

Operating income

EUR 7.6B

Revenue

EUR 59.3B

Metric	Value
Book value per share	EUR 21.23
Debt / EBITDA	5.14
Debt / equity	1.19
Debt / FCF	1.91
Goodwill	EUR 9.3B
Interest coverage	9.47
Net cash (debt)	EUR -34.4B
Net cash / market cap	-52.98%
Net debt / EBITDA	4.26
Net debt / equity	0.99
Net debt / FCF	1.59
Piotroski F-Score	4
Property, plant and equipment	EUR 4.2B
Shareholders' equity	EUR 34.9B
Tangible book value	EUR 20B
Tangible book value per share	EUR 13.22
Total assets	EUR 581.2B
Total cash	EUR 7.7B
Total debt	EUR 41.5B
Total liabilities	EUR 546.3B
WACC	5.47%

Metric

Value

Book value per share

EUR 21.23

Debt / EBITDA

5.14

Debt / equity

1.19

Debt / FCF

1.91

Goodwill

EUR 9.3B

Interest coverage

9.47

Net cash (debt)

EUR -34.4B

Net cash / market cap

-52.98%

Net debt / EBITDA

4.26

Net debt / equity

0.99

Net debt / FCF

1.59

Piotroski F-Score

Property, plant and equipment

EUR 4.2B

Shareholders' equity

EUR 34.9B

Tangible book value

EUR 20B

Tangible book value per share

EUR 13.22

Total assets

EUR 581.2B

Total cash

EUR 7.7B

Total debt

EUR 41.5B

Total liabilities

EUR 546.3B

WACC

5.47%

Metric	Value
Asset turnover	0.11
Current ratio	2.46
Net working capital	EUR 8.2B
Quick ratio	1.93
Working capital	EUR 15.2B

Metric

Value

Asset turnover

0.11

Current ratio

2.46

Net working capital

EUR 8.2B

Quick ratio

1.93

Working capital

EUR 15.2B

Metric	Value
Buyback yield / dilution	2.16%
Dividend growth	14.69%
Dividend growth (10Y)	8.58%
Dividend growth (3Y)	12.24%
Dividend growth (5Y)	10.18%
Dividend growth years	3
Dividend payment date	2026-05-20
Dividend payment years	35
Dividend payout frequency	Annual
Dividend per share	EUR 1.64
Dividend yield	3.84%
Ex-dividend date	2026-05-18
FCF payout ratio	11.42%
Last dividend	EUR 1.64
Payout ratio	59.76%
Shareholder yield	6.01%

Metric

Value

Buyback yield / dilution

2.16%

Dividend growth

14.69%

Dividend growth (10Y)

8.58%

Dividend growth (3Y)

12.24%

Dividend growth (5Y)

10.18%

Dividend growth years

Dividend payment date

2026-05-20

Dividend payment years

Dividend payout frequency

Annual

Dividend per share

EUR 1.64

Dividend yield

3.84%

Ex-dividend date

2026-05-18

FCF payout ratio

11.42%

Last dividend

EUR 1.64

Payout ratio

59.76%

Shareholder yield

6.01%

Metric	Value
10Y price change	251.86%
10Y return CAGR	19.82%
10Y total return	509.58%
150-day SMA	EUR 41.43
15Y price change	215.68%
15Y return CAGR	13.17%
15Y total return	539.71%
1D price change	-0.72%
1M price change	-2.38%
1M total return	-2.38%
1W price change	0.83%
1W total return	0.83%
1Y price change	29.02%
1Y return CAGR	34.77%
1Y total return	34.74%
20-day SMA	EUR 42.18
200-day SMA	EUR 39.69
20Y price change	58.94%
20Y return CAGR	6.64%
20Y total return	261.97%
3M price change	-2.07%
3M total return	-2.07%
3Y price change	131.83%
3Y return CAGR	38.57%
3Y total return	166.16%
50-day SMA	EUR 43.45
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 46.24
52-week high date	2026-09-17
52-week low	EUR 32.06
52-week low date	2026-03-09
5Y price change	127.57%
5Y return CAGR	24.23%
5Y total return	195.84%
6M price change	11.7%
6M total return	16.65%
All-time high	EUR 46.24
All-time high date	2026-09-17
All-time low	EUR 8.16
All-time low date	2012-05-31
Average true range (ATR)	EUR 0.70
Average volume	2M
Beta (1Y)	0.81
Beta (2Y)	0.69
Beta (5Y)	0.69
Change from 52-week high	-7.7%
Change from 52-week low	33.13%
Change from all-time high	-7.7%
Change from all-time low	423.36%
Change from open	-0.72%
Day's gap	0%
Dollar volume	EUR 37.6M
High price	EUR 42.99
Low price	EUR 42.53
Monthly RSI	73.99
Open price	EUR 42.99
Position in 52-week range	32.61%
Previous close	EUR 42.99
Price vs 150-day SMA	3.03%
Price vs 20-day SMA	1.18%
Price vs 200-day SMA	7.53%
Price vs 50-day SMA	-1.77%
Relative volume	0.45
RSI	49.44
Sharpe ratio	1.47
Sharpe ratio (3Y)	1.65
Sharpe ratio (5Y)	0.98
Sortino ratio	2.46
Sortino ratio (3Y)	2.78
Sortino ratio (5Y)	1.7
Volume	881.4K
Weekly RSI	54.75
YTD price change	19.39%
YTD total return	24.68%

Metric

Value

10Y price change

251.86%

10Y return CAGR

19.82%

10Y total return

509.58%

150-day SMA

EUR 41.43

15Y price change

215.68%

15Y return CAGR

13.17%

15Y total return

539.71%

1D price change

-0.72%

1M price change

-2.38%

1M total return

-2.38%

1W price change

0.83%

1W total return

0.83%

1Y price change

29.02%

1Y return CAGR

34.77%

1Y total return

34.74%

20-day SMA

EUR 42.18

200-day SMA

EUR 39.69

20Y price change

58.94%

20Y return CAGR

6.64%

20Y total return

261.97%

3M price change

-2.07%

3M total return

-2.07%

3Y price change

131.83%

3Y return CAGR

38.57%

3Y total return

166.16%

50-day SMA

EUR 43.45

50-day SMA vs 200-day SMA

50over200

52-week high

EUR 46.24

52-week high date

2026-09-17

52-week low

EUR 32.06

52-week low date

2026-03-09

5Y price change

127.57%

5Y return CAGR

24.23%

5Y total return

195.84%

6M price change

11.7%

6M total return

16.65%

All-time high

EUR 46.24

All-time high date

2026-09-17

All-time low

EUR 8.16

All-time low date

2012-05-31

Average true range (ATR)

EUR 0.70

Average volume

Beta (1Y)

0.81

Beta (2Y)

0.69

Beta (5Y)

0.69

Change from 52-week high

-7.7%

Change from 52-week low

33.13%

Change from all-time high

-7.7%

Change from all-time low

423.36%

Change from open

-0.72%

Day's gap

Dollar volume

EUR 37.6M

High price

EUR 42.99

Low price

EUR 42.53

Monthly RSI

73.99

Open price

EUR 42.99

Position in 52-week range

32.61%

Previous close

EUR 42.99

Price vs 150-day SMA

3.03%

Price vs 20-day SMA

1.18%

Price vs 200-day SMA

7.53%

Price vs 50-day SMA

-1.77%

Relative volume

0.45

RSI

49.44

Sharpe ratio

1.47

Sharpe ratio (3Y)

1.65

Sharpe ratio (5Y)

0.98

Sortino ratio

2.46

Sortino ratio (3Y)

2.78

Sortino ratio (5Y)

1.7

Volume

881.4K

Weekly RSI

54.75

YTD price change

19.39%

YTD total return

24.68%

Metric	Value
Float	826.3M
Shares change (QoQ)	-2.97%
Shares change (YoY)	-2.16%
Shares held by institutions	13.21%
Shares outstanding	1.5B

Metric

Value

Float

826.3M

Shares change (QoQ)

-2.97%

Shares change (YoY)

-2.16%

Shares held by institutions

13.21%

Shares outstanding

1.5B

BIT/G (BIT/G)

Price

Financial snapshot

Fair-value bridge

Latest news · BIT/G

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BIT/G indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BIT/G

Frequently asked questions