Assicurazioni Generali S.p.A. (ARZGY) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 15.06 means the share price is 15.06 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $78.2B is the value of all shares combined. Beta 0.64: the stock has moved about 36% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 16, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerAssicurazioni Generali S.p.A. (ARZGY) trades at $26.11. Assicurazioni Generali S.p.A. is a global insurance provider based in Italy, offering a range of life and non-life insurance products, as well as asset management services. Market cap: $78.2B, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Mar 16, 2026ARZGY stock analysis for 2026: The stored analyst price target for Assicurazioni Generali S.p.A. is $19.57; its date is unknown, so no upside or downside is derived from it against the current price of $26.11. Key factors: analyst coverage, company fundamentals.
ARZGY: 1/2 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Assicurazioni Generali S.p.A. (ARZGY) Financial Services Profile
Assicurazioni Generali S.p.A., founded in 1831, is a global insurance giant offering diverse solutions from life and non-life insurance to asset management. Headquartered in Italy, it boasts a substantial international footprint and a robust dividend yield, operating in a competitive landscape with peers like BNCDY and CIIHF.
What Is the Investment Thesis for ARZGY?
The company's strong presence in both life and non-life insurance segments provides resilience against economic cycles. Growth catalysts include expansion in emerging markets and increased adoption of digital insurance solutions. However, potential risks include regulatory changes, interest rate volatility, and competition from established players like BNCDY and evolving fintech companies. With a P/E ratio of 15.06 and a beta of 0.64, ARZGY offers a blend of value and stability for long-term investors.
Based on FMP financials and quantitative analysis
ARZGY Key Highlights
Market capitalization of $78.2B, reflecting its significant presence in the global insurance market.
- Profit margin of 4.4%, indicating efficient operations and profitability in a competitive industry.
- Gross margin of 69.2%, showcasing the company's ability to manage costs effectively.
- Dividend yield of 4.18%, providing an attractive income stream for investors.
- Beta of 0.64, suggesting lower volatility compared to the overall market.
Who Are ARZGY's Competitors?
ARZGY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| BNCDY Banca Mediolanum S.p.A. | $52.88 | -2.88% | $78.9B | — |
| CIIHF CITIC Securities Company Limited | $3.50 | 0.00% | $51.9B | — |
| NRDBY Nordea Bank Abp | $20.64 | +0.98% | $70.1B | — |
| OVCHY Oversea-Chinese Banking Corporation Limited | $49.45 | -0.24% | $111B | — |
| SLF Sun Life Financial Inc. | $79.02 | -0.68% | $43.8B | 765-pillar |
| AIG American International Group, Inc. | $75.03 | -0.23% | $39.8B | 685-pillar |
| HIG The Hartford Financial Services Group, Inc. | $136.10 | -0.51% | $37.3B | 935-pillar |
| ACGL Arch Capital Group Ltd. | $96.16 | -0.04% | $33.6B | 965-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ARZGY's Key Strengths?
Strong brand recognition and reputation.
- Diversified product portfolio across life and non-life insurance.
- Extensive geographic presence in Europe, Asia, and the Americas.
- Solid financial performance and profitability.
What Are ARZGY's Weaknesses?
Exposure to regulatory changes and economic cycles.
- Competition from established players and fintech companies.
- Potential for claims volatility and catastrophic events.
- Dependence on interest rates and investment performance.
What Could Drive ARZGY Stock Higher?
Digital transformation initiatives to enhance customer experience and operational efficiency.
- Expansion in emerging markets, particularly in Asia and Latin America.
- Launch of new insurance products and services tailored to specific customer needs (target launch: Q4 2026).
- Strategic partnerships to expand distribution network and reach new customers.
- Integration of ESG factors into insurance products and investment decisions.
What Are the Key Risks for ARZGY?
Financial-distress signal — its Altman Z-Score of 0.15 sits in the distress zone (elevated bankruptcy risk).
- Regulatory changes and compliance costs in the insurance industry.
- Economic downturns and market volatility affecting investment performance.
- Natural disasters and catastrophic events leading to significant claims payouts.
- Competition from established players and fintech companies.
- Currency risk due to fluctuations in exchange rates.
What Are the Growth Opportunities for ARZGY?
- Expansion in Emerging Markets: Assicurazioni Generali S.p.A. has a significant opportunity to expand its presence in emerging markets, particularly in Asia and Latin America. These regions are experiencing rapid economic growth and increasing demand for insurance products. By leveraging its expertise and resources, Generali can capture a larger share of these markets. The emerging markets insurance sector is projected to reach $2.8 trillion by 2028, presenting a substantial growth opportunity for Generali.
- Digital Transformation: Investing in digital technologies to enhance customer experience and streamline operations is crucial for future growth. This includes developing mobile apps, online platforms, and data analytics capabilities to personalize insurance offerings and improve efficiency. The global digital insurance market is expected to reach $146 billion by 2027, offering Generali a significant opportunity to leverage digital solutions for growth.
- Product Innovation: Developing innovative insurance products tailored to specific customer needs and market segments can drive growth. This includes offering customized insurance solutions for small businesses, freelancers, and the gig economy. By focusing on product innovation, Generali can differentiate itself from competitors and attract new customers. The market for personalized insurance products is growing rapidly, with an estimated value of $98 billion by 2025.
- Strategic Partnerships: Forming strategic partnerships with other companies, such as banks, retailers, and technology providers, can expand Generali's distribution network and reach new customers. This includes partnering with e-commerce platforms to offer insurance products to online shoppers. Strategic partnerships can provide Generali with access to new markets and customer segments, driving revenue growth. The strategic partnership market is projected to reach $6.7 trillion by 2026.
- Sustainable Insurance: Integrating environmental, social, and governance (ESG) factors into insurance products and investment decisions can attract socially conscious customers and investors. This includes offering green insurance policies for renewable energy projects and sustainable businesses. By focusing on sustainable insurance, Generali can enhance its brand reputation and attract a growing segment of customers who prioritize sustainability. The sustainable insurance market is expected to reach $400 billion by 2028.
What Are ARZGY's Competitive Advantages?
- Brand Reputation: Established brand with a long history and strong reputation for reliability.
- Extensive Distribution Network: Wide network of agents, brokers, and partners across multiple countries.
- Diversified Product Portfolio: Broad range of insurance and asset management products catering to different customer needs.
- Geographic Diversification: Operations in multiple countries, reducing reliance on any single market.
What Does ARZGY Do?
Assicurazioni Generali S.p.A., established in 1831 in Trieste, Italy, has evolved into one of the world's leading insurance providers. Originally known as Assicurazioni Generali Austro-Italiche, the company adopted its current name in 1848. Generali operates through four primary segments: Non-Life, Life, Asset Management, and Holding and Other Business. The Non-Life segment provides a range of insurance products, including motor, casualty, accident, health, and commercial and industrial risks coverage. The Life segment offers saving and protection insurance products for individuals and families, as well as unit-linked products with investment purposes. The Asset Management segment provides equity and fixed-income funds, alternative products, investment advisory, asset management, and financial planning services. Generali's geographic footprint spans across Europe, including Italy, France, Germany, Austria, and Central and Eastern European countries, as well as the Americas and Asia. The company's diverse product portfolio and extensive distribution network have solidified its position as a major player in the global insurance market. With over 86,000 employees, Generali continues to focus on innovation and customer-centric solutions to maintain its competitive edge.
What Products and Services Does ARZGY Offer?
- Provides life insurance products, including savings and protection plans.
- Offers non-life insurance products, such as motor, property, and casualty coverage.
- Manages assets for individuals and institutions through equity and fixed-income funds.
- Provides investment advisory and financial planning services.
- Offers unit-linked products with investment purposes.
- Provides insurance for commercial and industrial risks.
How Does ARZGY Make Money?
- Generates revenue from premiums paid by policyholders for insurance coverage.
- Earns investment income from managing assets and investing premiums.
- Provides fee-based services for asset management and financial planning.
- Underwrites insurance risks and manages claims to ensure profitability.
What Industry Does ARZGY Operate In?
The insurance industry is characterized by intense competition, evolving regulatory landscapes, and increasing demand for digital solutions. Assicurazioni Generali S.p.A. operates in a global market with established players like Allianz and AXA, as well as emerging fintech companies disrupting traditional insurance models. The industry is experiencing growth in emerging markets, driven by rising disposable incomes and increasing awareness of insurance products. Market trends include the adoption of artificial intelligence and data analytics to improve underwriting and customer service. Assicurazioni Generali S.p.A. is positioned to capitalize on these trends through its investments in technology and its diversified geographic presence.
Who Are ARZGY's Key Customers?
- Individuals and families seeking life and health insurance.
- Businesses requiring property, casualty, and liability coverage.
- Institutional investors seeking asset management services.
- Corporations needing employee benefits and risk management solutions.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 74 days ago
- ● Covered by analysts
- ● Reported in EUR, converted to USD
MoonshotScore History
Recorded daily since 2026-08-23 · 20 snapshots
| 2026-08-23 | 53 |
| 2026-08-27 | 53 |
| 2026-08-31 | 53 |
| 2026-09-04 | 53 |
| 2026-09-08 | 53 |
| 2026-09-11 | 53 |
What changed?
The score has stayed at 53.
Over the same 19 days the stock moved +4.1%.
Assicurazioni Generali S.p.A. (ARZGY) Valuation Context
Valued at $78.2B, ARZGY is classified as a large-cap stock.
ARZGY Revenue & Earnings Trend
In Q2 FY2026, ARZGY generated $41.99B in top-line revenue, marking a sequential increase of 5.4%. The company recorded net income of $3.00B, with diluted EPS of $0.98. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this large-cap Financial Services company. Across the four most recent quarters, ARZGY averaged $0.80 in diluted EPS.
Company Profile
Assicurazioni Generali S.p.A. operates in the Insurance - Diversified industry within the Financial Services sector. It is headquartered in Trieste, IT. The company is led by CEO Philippe Roger Donnet. ARZGY has traded publicly since 2009.
Key Financial Metrics
Return on equity for Assicurazioni Generali S.p.A. stands at 10.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.6%, showing how much profit it generates from its asset base. ARZGY trades at a trailing price-to-earnings ratio of 15.06, below the Financial Services sector average of ~17.50x. Its free cash flow yield is 24.0%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 5.0%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Assicurazioni Generali S.p.A.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.15 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
Assicurazioni Generali S.p.A. has beaten Wall Street's EPS estimate in 5 of its last 8 reported quarters — more hits than misses. Reported results have landed about 1.3% above estimates on average.
ARZGY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong brand recognition and reputation.
- Diversified product portfolio across life and non-life insurance.
- Extensive geographic presence in Europe, Asia, and the Americas.
- Solid financial performance and profitability.
Bear Case
- Exposure to regulatory changes and economic cycles.
- Competition from established players and fintech companies.
- Potential for claims volatility and catastrophic events.
- Dependence on interest rates and investment performance.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | $41.99B | $3.00B | $0.98 |
| Q4 FY2025 | $39.86B | $2.33B | $0.75 |
| Q2 FY2025 | $32.60B | $2.50B | $0.82 |
| Q4 FY2024 | $29.35B | $1.94B | $0.64 |
Q2 FY2026 · filed 30 Jun 2026 · SEC EDGAR →
Based on FMP financials and quantitative analysis · Converted to USD from EUR at today's rate
ARZGY Latest News
-
Assicurazioni Generali S.p.A. (ARZGY) Q2 2026 Earnings Call Transcript
seekingalpha.com · Aug 7, 2026
-
Generali beats first-half forecasts, launches €500 million share buyback
reuters.com · Aug 6, 2026
ARZGY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for ARZGY.
Price Targets
Consensus target: $19.57
ARZGY MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for ARZGY; grades run from A+ (80-100) to F (below 30).
Leadership: Philippe Roger Donnet
Group CEO
Philippe Donnet has served as the Group CEO of Assicurazioni Generali since March 2016. Prior to this role, he held various leadership positions within the Generali Group, including Country Manager for Italy and CEO of Generali Italia. His career spans over three decades in the insurance industry, with experience in France and Asia. He holds a degree in engineering from École Polytechnique and a degree in actuarial science from Centre d'Études Actuarielles.
Track Record: Under Philippe Donnet's leadership, Assicurazioni Generali has focused on strengthening its core business, improving profitability, and expanding its presence in key markets. Key achievements include the successful execution of strategic plans, such as the 'Generali 2021' plan, which focused on profitable growth and digital transformation. Donnet has also overseen significant investments in technology and innovation to enhance customer experience and operational efficiency.
Assicurazioni Generali S.p.A. ADR Information Unsponsored
An American Depositary Receipt (ADR) is a certificate representing shares of a foreign company trading on U.S. stock exchanges. ARZGY is an ADR that allows U.S. investors to invest in Assicurazioni Generali S.p.A. without directly dealing with foreign markets. Each ARZGY ADR represents a specific number of Assicurazioni Generali S.p.A. shares traded on its home market.
- Home Market Ticker: ARZG on the Milan Stock Exchange (Borsa Italiana) in Italy
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: ARZG
ARZGY OTC Market Information
The OTC Other tier represents the lowest tier of the over-the-counter (OTC) market. Companies in this tier often have limited financial disclosure and may not meet the listing requirements of major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries higher risks due to the potential for limited information and regulatory oversight compared to exchange-listed companies.
- OTC Tier: OTC Other
- Limited Financial Disclosure: OTC companies may have less stringent financial reporting requirements, making it difficult to assess their financial health.
- Lower Liquidity: OTC stocks typically have lower trading volumes, leading to wider bid-ask spreads and potential difficulty in executing trades.
- Regulatory Risks: OTC companies are subject to less regulatory oversight, increasing the risk of fraud or mismanagement.
- Information Asymmetry: Limited information availability can create an uneven playing field for investors.
- Price Volatility: OTC stocks can be more volatile due to lower trading volumes and potential for manipulation.
- Verify the company's registration and legal status.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Research the company's management team and track record.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before investing.
- Check for any regulatory actions or legal proceedings against the company.
- Established History: Assicurazioni Generali S.p.A. has a long history dating back to 1831, suggesting a degree of stability and credibility.
- Global Presence: The company operates in multiple countries, indicating a significant scale of operations.
- Regulatory Compliance: While trading on the OTC market, Assicurazioni Generali S.p.A. is still subject to regulatory oversight in its home market (Italy).
- Brand Recognition: Assicurazioni Generali S.p.A. is a well-known brand in the insurance industry.
Assicurazioni Generali S.p.A. Financial Services Stock: Key Questions Answered
Is ARZGY a good stock?
Stock Expert AI does not rate ARZGY buy, sell or hold. Assicurazioni Generali S.p.A. has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What do analysts say about ARZGY stock?
Analyst coverage of ARZGY is limited due to its OTC listing, but the general sentiment reflects the company's strong market position and attractive dividend yield. Key valuation metrics include a P/E ratio of 15.06 and a dividend yield of 4.18%.
What are the key factors to evaluate for ARZGY?
Evaluate ARZGY on fundamentals, analyst consensus, and risk factors. P/E: 15.06x vs the S&P 500's ~20-25x. With a P/E ratio of 15.06 and a beta of 0.64, ARZGY offers a blend of value and stability for long-term investors. Not financial advice.
How frequently does ARZGY data refresh on this page?
ARZGY's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals follow quarterly filings. V2 calculations are scheduled daily at 10:15 UTC; the score's own date shows its last successful run.
What has driven ARZGY's recent stock price performance?
Assicurazioni Generali S.p.A. (ARZGY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong brand recognition and reputation. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider ARZGY overvalued or undervalued right now?
Assicurazioni Generali S.p.A. (ARZGY) trades at 15.06x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of ARZGY?
Yes, most major brokerages offer fractional shares of Assicurazioni Generali S.p.A. (ARZGY) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track ARZGY's earnings and financial reports?
Assicurazioni Generali S.p.A. (ARZGY) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for ARZGY earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
No publishable V2 score is available for this stock yet.
Data provided for informational purposes only.
- Financial data and market projections are based on available information and industry estimates.
- OTC market data may be limited and subject to inaccuracies.
- Analyst opinions and ratings are not recommendations to buy or sell securities.