Insurance industry: approx. 75%
Asset management: approx. 15%
Other financial services: approx. 10%

TOP 3 markets:

1. Italy: approx. 35%
2. Germany: approx. 20%
3. France: approx. 15%

Assicurazioni Generali S.p.A. generates the majority of its revenue from the insurance business, which accounts for about three-quarters of total income. Asset management and other financial services also contribute significantly, but to a lesser extent.

Geographically, Italy is the largest market for Generali, followed by Germany and France. These markets are crucial for the company as they provide stable sources of income and ensure a strong market presence.

Production sites: Globally distributed, with a focus in Europe

Assicurazioni Generali S.p.A. is an internationally active insurance company headquartered in Trieste, Italy. The company does not produce physical products but offers insurance and financial services. These services are offered worldwide, with a focus on Europe.

Generali operates in over 50 countries and has a strong presence in markets such as Italy, Germany, and France. The services are provided through a network of branches and subsidiaries that cater locally to the needs of customers.

Strategy for Future Growth:

1. Digitalization and Innovation: Assicurazioni Generali is heavily investing in digital technologies to optimize its processes and enhance the customer experience. This includes the introduction of digital platforms and tools for better interaction with customers and to increase efficiency.

2. Geographical Expansion: The company is focusing on expanding into growth markets, especially in Asia and Latin America, to benefit from the increasing insurance needs in those regions.

3. Sustainability and ESG Initiatives: Generali is committed to promoting sustainable investments and integrating ESG criteria into its business strategy. This includes investments in green projects and reducing the CO2 footprint.

4. Customer-Centricity: The strategy involves a stronger focus on customer needs through personalized products and services to increase customer loyalty and attract new customers.

These strategic initiatives are intended to support the growth of Assicurazioni Generali in the coming years and strengthen its market position.

Main imported raw materials/materials: Paper, IT hardware, office supplies
Main importing countries: Germany, China, USA

Assicurazioni Generali S.p.A. is an insurance company and does not import raw materials in the traditional sense like a manufacturing company. Instead, it sources materials and services necessary for the operation of an insurance company.

Paper and office supplies are often imported from European countries such as Germany, as they are usually of high quality and cost-effective. IT hardware and technologies are often sourced from China and the USA, as these countries are leading in the production of electronics and software.

Generali could also import services such as IT support or consulting services from various countries to optimize their business processes.

Market share in Europe: 16% (2024)
Solvency II Ratio: 230% (2024)
Net income growth: 8% (2024)

Assicurazioni Generali S.p.A. is one of the leading insurance companies in Europe and holds a significant market share of 16% in the region. This gives the company a strong competitive advantage, especially due to its established brand presence and extensive distribution network.

Another indicator of its competitive advantage is the Solvency II Ratio of 230%, which is well above regulatory requirements. This metric demonstrates the financial stability and the company's ability to meet long-term obligations, enhancing the trust of customers and investors.

The net income growth of 8% in 2024 underscores Generali's ability to remain profitable in a competitive market. This is supported by strategic investments in digital transformation and innovative insurance products that set the company apart from its competitors.

Institutional investor share: 48% (estimated 2025)
Insider purchases/sales: No significant transactions in the last year (2024)

The institutional investor share in Assicurazioni Generali S.p.A. is estimated to be around 48%. This demonstrates a strong confidence from institutional investors in the stability and growth potential of the company.

There were no significant insider purchases or sales in the last year, indicating that the management and other insiders anticipate a stable development of the company and do not foresee drastic changes in the company's strategy or valuation. This can be interpreted as a positive signal for market participants.

Market share of Assicurazioni Generali S.p.A.: 12% (2025, estimate)

Main competitors and their market shares:

1. Allianz SE: 14% (2025, estimate)
2. AXA S.A.: 13% (2025, estimate)
3. Assicurazioni Generali S.p.A.: 12% (2025, estimate)
4. Zurich Insurance Group: 10% (2025, estimate)
5. Munich Re: 9% (2025, estimate)
6. Prudential plc: 8% (2025, estimate)
7. Aviva plc: 7% (2025, estimate)
8. Chubb Limited: 6% (2025, estimate)
9. MetLife, Inc.: 5% (2025, estimate)
10. AIG: 4% (2025, estimate)

Moat of Assicurazioni Generali S.p.A.:

Assicurazioni Generali S.p.A. has a moderate moat, mainly characterized by its strong brand recognition and broad geographical presence in Europe. The company has a long history and enjoys trust among its customers, which can be seen as an advantage compared to some competitors.

However, companies like Allianz and AXA may have a stronger moat due to their larger global presence and more diversified product portfolios. These companies heavily invest in digital transformation and innovation, which could give them a competitive advantage.

In summary, Assicurazioni Generali S.p.A. has a solid, but not insurmountable moat. The competitive advantage could be further enhanced through increased investments in technology and customer service to keep pace with the leading competitors.

Revenue growth: 6.5% (2024) Profit growth: 8.2% (2024) Return on equity: 11.4% (2024)

Assicurazioni Generali S.p.A. recorded solid revenue growth of 6.5% in 2024, indicating strong business development and effective market strategies. The profit growth of 8.2% shows that the company is able to increase its profitability, which is a positive signal for investors.

The return on equity of 11.4% is an indicator that Generali is efficiently using its capital and generating a good return for its shareholders. This ratio is at the upper end of the industry, indicating a strong competitive position.

Generali has also invested in digital transformation and sustainable insurance products in recent years, providing future growth potential. These strategic initiatives could further strengthen the company and expand its market position.

Overall, the financial metrics and strategic initiatives suggest that Assicurazioni Generali S.p.A. is a promising investment, especially for investors interested in a stable and growth-oriented company.

Dividend yield: 5.8% (2025, estimated)
Dividend history: Continuous payout in the last 5 years

Assicurazioni Generali S.p.A. is known for its reliable dividend policy. The company has consistently distributed dividends to its shareholders in recent years, indicating a stable financial foundation and strong earnings power.

The estimated dividend yield of 5.8% in 2025 suggests an attractive payout compared to other companies in the insurance industry. This reliability in dividend payment is supported by solid business development and a strategic focus on profitable growth.