GeneraliMEX:GASIN 47 Return-on-Tangible-Equity is 19.27% as of Dec. 2025, which is 32% above its 10-year median of 14.57. GuruFocus rates MEX:GASIN with a GF Score™ of 47/100 and a GF Value™ of MXN764.29 (Fairly Valued). The stock has 1 warning sign investors should review. Among 497 Insurance companies, Generali ranks better than 73.64% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Generali's annualized net income for the quarter that ended in Dec. 2025 was MXN80,709 Mil. Generali's average shareholder tangible equity for the quarter that ended in Dec. 2025 was MXN418,812 Mil. Therefore, Generali's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 19.27%.
The historical rank and industry rank for Generali's Return-on-Tangible-Equity or its related term are showing as below:
MEX:GASIN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.86 Med: 14.57 Max: 23.14
Current: 23.14
During the past 13 years, Generali's highest Return-on-Tangible-Equity was 23.14%. The lowest was 8.86%. And the median was 14.57%.
MEX:GASIN's Return-on-Tangible-Equity is ranked better than 73.64% of 497
companies
in the Insurance industry
Industry Median: 13.54
vs MEX:GASIN: 23.14
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Generali Return-on-Tangible-Equity Related Terms
Generali Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Generali's Return-on-Tangible-Equity 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.
MEX:GASIN vs BRK.A, AIG, HIG: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, Generali's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Generali's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Generali's Return-on-Tangible-Equity falls into.
* 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 19.27% mean?
Generali (MEX:GASIN) has a Return-on-Tangible-Equity of 19.27% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Generali and its competitors. This is 32% above median its historical median of 14.57. Over the past decade, Generali's Return-on-Tangible-Equity has ranged from 8.86 to 23.14. According to the industry distribution chart, Generali ranks #131 out of 497 companies in the Insurance industry, placing it in the top 26.4%.
Is Generali's Return-on-Tangible-Equity too high?
Generali's current Return-on-Tangible-Equity of 19.27% is 32% above median its 10-year median of 14.57. Over the past 10 years, this metric has ranged from a low of 8.86 to a high of 23.14. The Insurance industry median Return-on-Tangible-Equity is 13.54. Generali's value of 19.27% is 42.3% above this industry median. Based on the distribution chart, Generali ranks #131 out of 497 companies in the Insurance industry, which is above the industry midpoint. Overall, Generali has a GF Score™ of 47/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Generali's Return-on-Tangible-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Generali ranks #131 out of 497 companies for Return-on-Tangible-Equity. This puts Generali in the upper half of its industry. The industry median Return-on-Tangible-Equity is 13.54. Generali's value of 19.27% is 42.3% above this benchmark. Historically, Generali's own Return-on-Tangible-Equity has ranged from 8.86 to 23.14 over the past decade. While the company's 10-year median is 14.57 vs. the industry median of 13.54, Generali has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.54, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Generali's current Return-on-Tangible-Equity of 19.27% is 42.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Generali and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generali's current Return-on-Tangible-Equity is 19.27%, which is 32% above median its own 10-year median of 14.57. 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 (MEX:GASIN) is currently considered Fairly Valued. The stock's GF Value™ is MXN764.29, compared to a current price of MXN779.67 — trading 2% above its estimated fair value. The current Return-on-Tangible-Equity is 19.27%, which is 32% above median its 10-year median of 14.57 and 42.3% above the Insurance industry median of 13.54. Generali's overall GF Score™ is 47/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Generali (MEX:GASIN), the current Return-on-Tangible-Equity is 19.27% 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 (MEX:GASIN) Overvalued in 2026?
Based on GuruFocus' analysis, Generali stock appears to be overvalued.
The current stock price of MXN779.67 is trading 2% above its estimated GF Value™ of MXN764.29.
GuruFocus considers Generali to be Fairly Valued.
Key valuation signals for MEX:GASIN:
Return-on-Tangible-Equity: 19.27% (32% above median its 10-year median of 14.57)
GF Value™: MXN764.29 vs. price of MXN779.67 (2% above fair value)
Industry Position: 42.3% above the Insurance median (#131 of 497)
No single metric tells the full story. See the MEX:GASIN 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.
47GF Score
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