Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
GeneraliFRA:ASG -0.36%57 3-Year EBITDA Growth Rate is 0.00% as of Dec. 2025. GuruFocus rates FRA:ASG with a GF Score™ of 57/100 and a GF Value™ of €39.37 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 293 Insurance companies, Generali ranks worse than 341296.59% on this metric.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Generali was 4.00% per year. The lowest was -19.90% per year. And the median was -12.60% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Generali 3-Year EBITDA Growth Rate Related Terms
FRA:ASG vs BRK.A, AIG, HIG: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Diversified subindustry, Generali's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Generali 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Generali's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Generali's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 0.00% mean?
Generali (FRA:ASG) has a 3-Year EBITDA Growth Rate of 0.00% as of Dec. 2025. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Generali and its competitors. According to the industry distribution chart, Generali ranks #999999 out of 293 companies in the Insurance industry.
Is Generali's 3-Year EBITDA Growth Rate too high?
Generali's current 3-Year EBITDA Growth Rate is 0.00%. Based on the distribution chart, Generali ranks #999999 out of 293 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Generali has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Generali's 3-Year EBITDA Growth Rate compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Generali ranks #999999 out of 293 companies for 3-Year EBITDA Growth Rate. This places Generali in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 16.90. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 16.90, based on 293 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Generali and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 16.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generali's current 3-Year EBITDA Growth Rate is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Generali stock overvalued right now?
Based on GuruFocus' analysis, Generali (FRA:ASG) is currently considered Modestly Overvalued. The stock's GF Value™ is €39.37, compared to a current price of €44.69 — trading 13.5% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 0.00%. Generali's overall GF Score™ is 57/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Generali (FRA:ASG), the current 3-Year EBITDA Growth Rate is 0.00% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Generali (FRA:ASG) Overvalued in 2026?
Based on GuruFocus' analysis, Generali stock appears to be overvalued.
The current stock price of €44.69 is trading 13.5% above its estimated GF Value™ of €39.37.
GuruFocus considers Generali to be Modestly Overvalued.
Key valuation signals for FRA:ASG:
3-Year EBITDA Growth Rate: 0.00%
GF Value™: €39.37 vs. price of €44.69 (13.5% above fair value)
No single metric tells the full story. See the FRA:ASG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The roots of Generali date back to the 1830s and the Bora wind and rough seas that hit the Trieste region. Over that decade, Generali sought to expand throughout Italy, but growth was held back by the fragmented nature of Italy. The Italian Revolution in the 1840s paved the way for easier expansion in the country. After World War I, Trieste was handed back to Italy. The dissolution of the Austro-Hungarian Empire created a fragmented Europe and a fragmented Generali. To this day, Generali remains quite a diversified company, with its core operations remaining in the historical Austro-Hungarian countries of Austria, Central and Eastern Europe, Germany, and Italy. France is also an important contributor to life and savings.
57GF Score
Get the complete analysis for FRA:ASG
3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:ASG has been successfully added to your 
