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GeneraliFRA:ASG +0.66%55 Intrinsic Value: Projected FCF is €105.39 as of Sep. 16, 2026. GuruFocus rates FRA:ASG with a GF Score™ of 55/100 and a GF Value™ of €41.46 (Fairly Valued). The stock has 2 warning signs investors should review. Among 399 Insurance companies, Generali ranks better than 78.95% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-16), Generali's Intrinsic Value: Projected FCF is €105.39. The stock price of Generali is €45.45. Therefore, Generali's Price-to-Intrinsic-Value-Projected-FCF of today is 0.4.
The historical rank and industry rank for Generali's Intrinsic Value: Projected FCF or its related term are showing as below:
FRA:ASG'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.12 Med: 0.15 Max: 0.43
Current: 0.43
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Generali was 0.43. The lowest was 0.12. And the median was 0.15.
FRA:ASG's Price-to-Projected-FCF is ranked better than 78.95% of 399
companies
in the Insurance industry
Industry Median: 0.75
vs FRA:ASG: 0.43
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Generali's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
45.45
/
106.4291522024
=
0.43
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Generali Intrinsic Value: Projected FCF Related Terms
Generali Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Generali's Intrinsic Value: Projected FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:ASG vs BRK.A, AIG, HIG: Intrinsic Value: Projected FCF Comparison
For the Insurance - Diversified subindustry, Generali's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Generali's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Generali's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Intrinsic Value: Projected FCF of €105.39 mean?
Generali (FRA:ASG) has a Intrinsic Value: Projected FCF of €105.39 as of Sep. 16, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Generali and its competitors. According to the industry distribution chart, Generali ranks #84 out of 399 companies in the Insurance industry, placing it in the top 21.1%.
Is Generali's Intrinsic Value: Projected FCF too high?
Generali's current Intrinsic Value: Projected FCF is €105.39. Based on the distribution chart, Generali ranks #84 out of 399 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Generali has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Generali's Intrinsic Value: Projected FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Generali ranks #84 out of 399 companies for Intrinsic Value: Projected FCF. This places Generali in the top 21% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 0.75. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for an Insurance company?
The median Intrinsic Value: Projected FCF among Insurance companies is 0.75, based on 399 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Generali and its competitors. For the Insurance industry, the median Intrinsic Value: Projected FCF is 0.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generali's current Intrinsic Value: Projected FCF is €105.39. 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 Fairly Valued. The stock's GF Value™ is €41.46, compared to a current price of €45.45 — trading 9.6% above its estimated fair value. The current Intrinsic Value: Projected FCF is €105.39. Generali's overall GF Score™ is 55/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Generali (FRA:ASG), the current Intrinsic Value: Projected FCF is €105.39 as of Sep. 16, 2026. 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 €45.45 is trading 9.6% above its estimated GF Value™ of €41.46.
GuruFocus considers Generali to be Fairly Valued.
Key valuation signals for FRA:ASG:
Intrinsic Value: Projected FCF: €105.39
GF Value™: €41.46 vs. price of €45.45 (9.6% 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.
55GF Score
Get the complete analysis for FRA:ASG
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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