Hannover Rück SE (HVRRF) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 3.32 means the share price is 3.32 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $35.2B is the value of all shares combined.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gpt-4o-mini, generated Jun 13, 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 AnswerHannover Rück SE (HVRRF) trades at $291.63. Hannover Rück SE is a leading global reinsurance provider based in Hanover, Germany, specializing in a wide range of reinsurance products and services. Market cap: $35.2B, Sector: Financial services.
Price as of Sep 10, 2026 · Last analyzed: Jun 13, 2026Analyst Coverage for HVRRF: HVRRF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates HVRRF against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
These figures come from statements filed 12 months ago — the most recent this company has published.
No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.
HVRRF: 2/2 scored disciplines lean bullish. Dominant signal: Ray Dalio 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
Hannover Rück SE (HVRRF) Financial Services Profile
Hannover Rück SE stands as a prominent player in the global reinsurance market, offering diverse products across Property & Casualty and Life & Health segments, supported by a robust financial foundation and a commitment to innovative risk solutions.
What Is the Investment Thesis for HVRRF?
Hannover Rück SE's strong financial metrics, including a market capitalization of $35.2B and a P/E ratio of 3.32, underscore its robust market position. The company boasts a profit margin of 11.1% and a gross margin of 100%, indicating efficient operations and effective cost management. Key growth catalysts include the increasing demand for reinsurance products driven by climate change and evolving risk landscapes, particularly in the Property & Casualty segment. Additionally, the company's diverse product offerings and strong capital base provide a competitive advantage in securing new business opportunities. However, potential risks include regulatory changes and market volatility, which could impact profitability. Overall, Hannover Rück SE's strategic focus on innovation and customer solutions positions it well for sustained growth in the reinsurance sector.
Based on FMP financials and quantitative analysis
HVRRF Key Highlights
Market capitalization of $35.2B reflects strong investor confidence.
- P/E ratio of 3.32 indicates attractive valuation relative to earnings.
- Profit margin of 11.1% demonstrates effective cost management.
- Gross margin of 100% highlights the company's operational efficiency.
- Dividend yield of 5.48% provides attractive returns to shareholders.
Who Are HVRRF's Competitors?
HVRRF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| JPPTY JAPAN POST BANK Co., Ltd. | $21.16 | +2.25% | $75.4B | 499-signal |
| SWDBY Swedbank AB (publ) | $39.71 | -0.46% | $44.6B | — |
| SVKEF Skandinaviska Enskilda Banken AB (publ) | $23.18 | 0.00% | $45.2B | — |
| DCNSF Dai-ichi Life Holdings, Inc. | $11.00 | 0.00% | $39.6B | — |
| IFCZF Intact Financial Corporation | $184.91 | -1.11% | $32.6B | 469-signal |
| SSREY Swiss Re AG | $41.63 | +0.35% | $49.1B | 509-signal |
| RGA Reinsurance Group of America, Incorporated | $247.44 | +0.98% | $16.2B | 925-pillar |
| MURGY Münchener Rückversicherungs-Gesellschaft AG in München | $11.56 | +0.70% | $15.1B | 549-signal |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance This table mixes two scoring engines — compare a number only with others carrying the same tag.
What Are HVRRF's Key Strengths?
Strong financial metrics with a high market capitalization.
- Diverse product portfolio addressing various market needs.
- Established reputation and trust among clients.
- Global presence with operations in multiple regions.
What Are HVRRF's Weaknesses?
Exposure to market volatility affecting investment income.
- Dependence on reinsurance premiums for revenue.
- Potential regulatory challenges in different jurisdictions.
- Limited brand recognition compared to larger competitors.
What Could Drive HVRRF Stock Higher?
Expansion of product offerings in emerging markets to capture new clients.
- Increasing demand for reinsurance products due to climate change and natural disasters.
- Investment in technology and data analytics to enhance underwriting capabilities.
- Strategic partnerships with key industry players to broaden market reach.
- Continuous focus on innovation in risk management solutions.
What Are the Key Risks for HVRRF?
Financial-distress signal — its Altman Z-Score of 1.46 sits in the distress zone (elevated bankruptcy risk).
- Regulatory changes impacting operational flexibility and cost structures.
- Market volatility affecting investment income and profitability.
- Increased competition leading to pricing pressures in the reinsurance market.
- Natural disasters resulting in higher claims and operational challenges.
What Are the Growth Opportunities for HVRRF?
- Growth opportunity 1: The increasing frequency and severity of natural disasters are driving demand for reinsurance products, particularly in the Property & Casualty segment. The global natural disaster insurance market is expected to grow from $100 billion in 2023 to $150 billion by 2028, providing Hannover Rück with significant opportunities to expand its offerings and capture market share.
- Growth opportunity 2: The growing awareness of health risks and the aging population are propelling the demand for Life & Health reinsurance products.
- Growth opportunity 3: Technological advancements in data analytics and risk modeling are enabling reinsurance companies to better assess risks and optimize pricing. Hannover Rück's investment in technology and digital transformation initiatives positions it to enhance its underwriting capabilities and improve operational efficiency, driving growth in its reinsurance segments.
- Growth opportunity 4: The expansion of emerging markets presents a significant opportunity for Hannover Rück. As economies in regions like Asia and Africa continue to grow, the demand for reinsurance products is expected to increase. Hannover Rück's strategic focus on these markets can enhance its global footprint and revenue streams.
- Growth opportunity 5: The rise of alternative risk transfer mechanisms, such as insurance-linked securities (ILS), is reshaping the reinsurance landscape. Hannover Rück's established presence in this space allows it to capitalize on the growing interest from investors seeking innovative solutions for risk management.
What Are HVRRF's Competitive Advantages?
- Strong brand reputation built over decades in the reinsurance industry.
- Diverse product offerings catering to various sectors and risks.
- Established relationships with a broad client base globally.
- Robust financial position enabling competitive pricing.
- Expertise in risk assessment and underwriting.
What Does HVRRF Do?
Founded in 1966, Hannover Rück SE, headquartered in Hanover, Germany, has evolved into one of the world's leading reinsurance companies. Initially known as Hannover Rückversicherung AG, the company rebranded to Hannover Rück SE in March 2013 to reflect its broader scope and international presence. With a workforce of approximately 3,895 employees, Hannover Rück operates globally, providing a comprehensive range of reinsurance products and services. Its operations are divided into two primary segments: Property & Casualty Reinsurance and Life & Health Reinsurance. The Property & Casualty segment includes offerings such as property, casualty, facultative, catastrophe XL, structured reinsurance, and insurance-linked securities. The Life & Health segment provides solutions including group and individual credit life, enhanced annuities, and Takaful reinsurance products. Additionally, Hannover Rück offers specialized risk solutions for various industries, including agriculture, aviation, marine, and energy sectors. The company is a subsidiary of Talanx AG, which further strengthens its market position and financial stability. Hannover Rück SE's commitment to innovation and customer-centric solutions has positioned it as a trusted partner in the reinsurance landscape, catering to a diverse clientele worldwide.
What Products and Services Does HVRRF Offer?
- Provide reinsurance products and services globally.
- Operate through Property & Casualty and Life & Health segments.
- Offer specialized risk solutions for various industries.
- Deliver innovative financial solutions for clients.
- Support clients with catastrophe XL and structured reinsurance.
- Facilitate Takaful reinsurance products for diverse customer needs.
How Does HVRRF Make Money?
- Generate revenue through premiums collected from reinsurance contracts.
- Invest premiums in diversified portfolios to generate investment income.
- Provide tailored risk solutions to meet client needs.
- Leverage expertise in underwriting to manage risk effectively.
- Utilize data analytics for pricing and risk assessment.
What Industry Does HVRRF Operate In?
The global reinsurance industry is experiencing significant growth, driven by increasing risks associated with climate change, natural disasters, and evolving regulatory environments. As of 2023, the reinsurance market is projected to reach approximately $500 billion, with a compound annual growth rate (CAGR) of around 5% over the next five years. Hannover Rück SE is well-positioned within this landscape, leveraging its extensive product offerings and global reach to capitalize on emerging opportunities. The competitive landscape includes key players such as Japan Post Bank Co., Ltd. (JPPTY), Swedbank AB (publ) (SWDBY), and Intact Financial Corporation (IFCZF), each vying for market share in a rapidly evolving environment.
Who Are HVRRF's Key Customers?
- Insurance companies seeking reinsurance coverage.
- Corporations requiring specialized risk solutions.
- Government entities needing support for public sector risks.
- Financial institutions looking for credit and surety reinsurance.
- Agricultural businesses needing tailored risk management.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 73 days ago
- ● No analyst coverage
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 70 |
| 2026-08-26 | 70 |
| 2026-08-29 | 70 |
| 2026-09-01 | 70 |
| 2026-09-04 | 70 |
| 2026-09-07 | 70 |
| 2026-09-10 | 70 |
What changed?
The score has stayed at 70.
Over the same 18 days the stock moved +0.0%.
Company Profile
Hannover Rück SE operates in the Insurance - Reinsurance industry within the Financial Services sector. It is headquartered in Hanover, DE. The company is led by CEO Clemens Jungsthofel. HVRRF has traded publicly since 2009.
Key Financial Metrics
Return on equity for Hannover Rück SE stands at 73.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 12.5%, showing how much profit it generates from its asset base. HVRRF trades at a trailing price-to-earnings ratio of 3.32, below the Financial Services sector average of ~17.50x. Its free cash flow yield is 20.3%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 31.8%, the inverse of the P/E and a quick read on earnings relative to price.
HVRRF Valuation & Market Position
With a $35.2B market cap, Hannover Rück SE sits in the large-cap segment of the market.
Quarterly Financial Performance: Hannover Rück SE
Revenue for Hannover Rück SE came in at $7.15B during Q2 FY2026. The company recorded net income of $694.3M, with diluted EPS of $5.04. Revenue has contracted over three consecutive quarters, which investors in this large-cap Financial Services stock should monitor closely. Across the four most recent quarters, HVRRF averaged $5.61 in diluted EPS.
Financial Health
Hannover Rück SE'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 1.46 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
Hannover Rück SE has beaten Wall Street's EPS estimate in 5 of its last 8 reported quarters — more hits than misses. Reported results have landed about 4.4% above estimates on average.
HVRRF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong financial metrics with a high market capitalization.
- Diverse product portfolio addressing various market needs.
- Established reputation and trust among clients.
- Global presence with operations in multiple regions.
Bear Case
- Exposure to market volatility affecting investment income.
- Dependence on reinsurance premiums for revenue.
- Potential regulatory challenges in different jurisdictions.
- Limited brand recognition compared to larger competitors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · June 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | €7.15B | €694M | €5.04 |
| Q1 FY2026 | €7.21B | €713M | €5.91 |
| Q4 FY2025 | €11.91B | €676M | €6.07 |
| Q3 FY2025 | €5.80B | €651M | €5.40 |
Q2 FY2026 · filed 30 Jun 2026 · Financial Modeling Prep
Based on FMP financials and quantitative analysis · Reported in EUR
HVRRF Latest News
No recent news available for HVRRF.
HVRRF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for HVRRF.
Price Targets
Wall Street price target analysis for HVRRF.
HVRRF MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for HVRRF; grades run from A+ (80-100) to F (below 30).
Leadership: Clemens Jungsthofel
CEO
Clemens Jungsthofel has been leading Hannover Rück SE as CEO, bringing extensive experience in the insurance and reinsurance sectors. He holds a degree in business administration and has held various leadership roles within the Talanx Group prior to his appointment as CEO. His strategic vision focuses on innovation and customer-centric solutions.
Track Record: Under Clemens Jungsthofel's leadership, Hannover Rück has successfully expanded its product offerings and strengthened its market position. His focus on technological advancements and operational efficiency has led to improved profitability and enhanced client satisfaction.
HVRRF OTC Market Information
The OTC Other tier indicates that HVRRF trades on the over-the-counter market, which typically has less stringent reporting requirements compared to major exchanges like NYSE or NASDAQ. This tier allows for greater accessibility for smaller companies but may involve lower liquidity and higher volatility.
- OTC Tier: OTC Other
- Lower liquidity compared to stocks listed on major exchanges.
- Potential for higher volatility due to less trading volume.
- Limited analyst coverage may affect price discovery.
- Regulatory risks associated with OTC trading.
- Review financial statements for profitability and growth trends.
- Analyze competitive positioning against peers in the reinsurance sector.
- Evaluate the impact of regulatory changes on operations.
- Assess the company's risk management practices.
- Monitor market conditions affecting demand for reinsurance products.
- Established history in the insurance industry since 1966.
- Parent company Talanx AG provides financial stability.
- Publicly available financial disclosures enhance transparency.
Common Questions About HVRRF (Financial Services)
Is HVRRF a good stock?
Stock Expert AI does not rate HVRRF buy, sell or hold. Hannover Rück SE 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 does Hannover Rück SE do?
Hannover Rück SE is a global reinsurance provider specializing in a wide range of reinsurance products and services across Property & Casualty and Life & Health segments.
What are the key factors to evaluate for HVRRF?
Evaluate HVRRF on fundamentals, analyst consensus, and risk factors. P/E: 3.32x vs the S&P 500's ~20-25x. As economies in regions like Asia and Africa continue to grow, the demand for reinsurance products is expected to increase. Not financial advice.
How frequently does HVRRF data refresh on this page?
HVRRF's price was last updated on Sep 10, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven HVRRF's recent stock price performance?
Hannover Rück SE (HVRRF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong financial metrics with a high market capitalization. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider HVRRF overvalued or undervalued right now?
Hannover Rück SE (HVRRF) trades at 3.32x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of HVRRF?
Yes, most major brokerages offer fractional shares of Hannover Rück SE (HVRRF) 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 HVRRF's earnings and financial reports?
Hannover Rück SE (HVRRF) 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 HVRRF 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
Data provided for informational purposes only.
- Data is based on the latest available financial reports and company information.