BGNMF (Banca Generali) Financial Strength: 4 (As of Jun. 2026) — 33% Above Median

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BGNMF Banca Generali BGNMF
73 GF Score
Price $66.92
GF Value $52.82
! 5 Warning Signs
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What is Banca Generali Financial Strength?

Banca Generali BGNMF +9.92% 73 Financial Strength is 4 as of Jun. 2026, which is 33% above its 10-year median of 3.00. GuruFocus rates BGNMF with a GF Score™ of 73/100 and a GF Value™ of $52.82. The stock has 5 warning signs investors should review.

Banca Generali has the Financial Strength Rank of 4.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

GuruFocus does not calculate Banca Generali's interest coverage with the available data. Banca Generali's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.77. Altman Z-Score does not apply to banks and insurance companies.

Banca Generali  (OTCPK:BGNMF) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

Banca Generali has the Financial Strength Rank of 4.

Banca Generali Financial Strength Related Terms

BGNMF
73GF Score
Banca Generali BGNMF
Financial Strength is just one metric. See GF Score™, valuation, warning signs, and more.
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Banca Generali Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

Banca Generali's Interest Expense for the months ended in Jun. 2026 was $-39 Mil. Its Operating Income for the months ended in Jun. 2026 was $267 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $421 Mil.

Banca Generali's Interest Coverage for the quarter that ended in Jun. 2026 is

Interest Coverage=-1*Operating Income (Q: Jun. 2026 )/Interest Expense (Q: Jun. 2026 )
=-1*266.90814427112/-38.974
=6.85

The higher the ratio, the stronger the company's financial strength is.

2. Debt to revenue ratio. The lower, the better.

Banca Generali's Debt to Revenue Ratio for the quarter that ended in Jun. 2026 is

Debt to Revenue Ratio=Total Debt (Q: Jun. 2026 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(1574.6122116 + 421.065957) / 2587.0941328704
=0.77

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* 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.

Frequently Asked Questions Learn more about Financial Strength →
What does a Financial Strength of 4 mean?
Banca Generali (BGNMF) has a Financial Strength of 4 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Banca Generali and its competitors. This is 33% above median its historical median of 3.00. Over the past decade, Banca Generali's Financial Strength has ranged from 2.00 to 5.00.
Is Banca Generali's Financial Strength too high?
Banca Generali's current Financial Strength of 4 is 33% above median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 5.00. Overall, Banca Generali has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does Banca Generali's Financial Strength compare to competitors?
Banca Generali's Financial Strength of 4 can be compared against companies in the Banks industry. Historically, Banca Generali's own Financial Strength has ranged from 2.00 to 5.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Banca Generali and its competitors. Banca Generali's current Financial Strength is 4, which is 33% above median its own 10-year median of 3.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banca Generali stock overvalued right now?
Banca Generali (BGNMF) has a current Financial Strength of 4. The stock's GF Value™ is $52.82, compared to a current price of $66.92 — trading 26.7% above its estimated fair value. The current Financial Strength is 4, which is 33% above median its 10-year median of 3.00. Banca Generali's overall GF Score™ is 73/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Banca Generali (BGNMF), the current Financial Strength is 4 as of Jun. 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 Banca Generali (BGNMF) Overvalued in 2026?

Based on GuruFocus' analysis, Banca Generali stock appears to be overvalued. The current stock price of $66.92 is trading 26.7% above its estimated GF Value™ of $52.82.

Key valuation signals for BGNMF:

  • Financial Strength: 4 (33% above median its 10-year median of 3.00)
  • GF Value™: $52.82 vs. price of $66.92 (26.7% above fair value)
  • GF Score™: 73/100 with 5 warning signs

No single metric tells the full story. See the BGNMF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Banca Generali Business Description

Address Piazza Tre Torri 1, Milan, ITA, 20145
Banca Generali is a private bank that supports clients in the care and protection of assets with innovative and sustainability-oriented solutions. It is involved in financial planning and asset protection of clients. It offers services such as Home Banking; Online Trading; Mobile and Wearable Payments and C-less debit and credit cards; Investment services and wealth management services. The company has more than 45 branches and 170 offices in the main Italian cities.
73GF Score

Get the complete analysis for BGNMF

Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$66.92
Price
$52.82
GF Value