ASS.GENERALI ADR 1/2/EO 1 (ASG0) - Net Assets
Based on the latest financial reports, ASS.GENERALI ADR 1/2/EO 1 (ASG0) has net assets worth €34.79 Billion EUR (≈ $40.67 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€558.53 Billion ≈ $652.98 Billion USD) and total liabilities (€523.74 Billion ≈ $612.31 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Explore ASS.GENERALI ADR 1/2/EO 1 (ASG0) cash conversion ratio to assess how effectively this company generates cash.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €34.79 Billion |
| % of Total Assets | 6.23% |
| Annual Growth Rate | 2.21% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 6.75 |
ASS.GENERALI ADR 1/2/EO 1 - Net Assets Trend (2021–2025)
This chart illustrates how ASS.GENERALI ADR 1/2/EO 1's net assets have evolved over time, based on quarterly financial data. For live valuation and market cap data, see how much is ASS.GENERALI ADR 1/2/EO 1 worth.
Annual Net Assets for ASS.GENERALI ADR 1/2/EO 1 (2021–2025)
The table below shows the annual net assets of ASS.GENERALI ADR 1/2/EO 1 from 2021 to 2025. Read ASS.GENERALI ADR 1/2/EO 1 (ASG0) financial obligations for a breakdown of total debt and financial obligations.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €34.79 Billion ≈ $40.67 Billion |
+5.11% |
| 2024-12-31 | €33.10 Billion ≈ $38.69 Billion |
+5.79% |
| 2023-12-31 | €31.29 Billion ≈ $36.58 Billion |
+7.98% |
| 2022-12-31 | €28.97 Billion ≈ $33.87 Billion |
-9.11% |
| 2021-12-31 | €31.88 Billion ≈ $37.27 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to ASS.GENERALI ADR 1/2/EO 1's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 46.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €4.17 Billion | 13.01% |
| Other Components | €27.89 Billion | 86.99% |
| Total Equity | €32.06 Billion | 100.00% |
ASS.GENERALI ADR 1/2/EO 1 Competitors by Market Cap
The table below lists competitors of ASS.GENERALI ADR 1/2/EO 1 ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Nu Holdings Ltd.
F:M1Z
|
$54.86 Billion |
|
ONEOK Inc
NYSE:OKE
|
$55.00 Billion |
|
Dominion Energy Inc
NYSE:D
|
$55.01 Billion |
|
AB Volvo (publ)
ST:VOLV-B
|
$55.09 Billion |
|
WW Grainger Inc
NYSE:GWW
|
$54.59 Billion |
|
Infineon Technologies AG
F:IFX
|
$54.52 Billion |
|
Bank of Communications Co
SHG:601328
|
$54.49 Billion |
|
KDDI CORP.UNSP.ADR 4
F:DIP0
|
$54.44 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in ASS.GENERALI ADR 1/2/EO 1's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 30,389,000,000 to 32,064,000,000, a change of 1,675,000,000 (5.5%).
- Net income of 4,172,000,000 contributed positively to equity growth.
- Dividend payments of 2,171,000,000 reduced retained earnings.
- Other factors decreased equity by 326,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €4.17 Billion | +13.01% |
| Dividends Paid | €2.17 Billion | -6.77% |
| Other Changes | €-326.00 Million | -1.02% |
| Total Change | €- | 5.51% |
Book Value vs Market Value Analysis
This analysis compares ASS.GENERALI ADR 1/2/EO 1's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.87x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 0.99x to 0.87x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2021-12-31 | €18.61 | €18.50 | x |
| 2022-12-31 | €17.22 | €18.50 | x |
| 2023-12-31 | €18.78 | €18.50 | x |
| 2024-12-31 | €19.97 | €18.50 | x |
| 2025-12-31 | €21.33 | €18.50 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently ASS.GENERALI ADR 1/2/EO 1 utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 13.01%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 5.63%
- • Asset Turnover: 0.13x
- • Equity Multiplier: 17.42x
- Recent ROE (13.01%) is above the historical average (11.26%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2021 | 9.71% | 3.03% | 0.16x | 20.00x | €-83.80 Million |
| 2022 | 8.39% | 6.76% | 0.07x | 18.88x | €-430.00 Million |
| 2023 | 12.93% | 5.60% | 0.13x | 17.56x | €850.10 Million |
| 2024 | 12.25% | 6.36% | 0.11x | 17.73x | €685.10 Million |
| 2025 | 13.01% | 5.63% | 0.13x | 17.42x | €965.60 Million |
Industry Comparison
This section compares ASS.GENERALI ADR 1/2/EO 1's net assets metrics with peer companies in the Insurance - Diversified industry.
Industry Context
- Industry: Insurance - Diversified
- Average net assets among peers: $24,810,504,512
- Average return on equity (ROE) among peers: 11.03%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| ASS.GENERALI ADR 1/2/EO 1 (ASG0) | €34.79 Billion | 9.71% | 15.06x | $54.86 Billion |
| NN GROUP NV UNSP.ADR/1 (2NN0) | $21.16 Billion | 5.62% | 8.69x | $19.09 Billion |
| WATERDROP INC.ADS/10 CL.A (717) | $4.87 Billion | 7.54% | 0.32x | $460.70 Million |
| Allianz SE VNA O.N. (ALV) | $64.08 Billion | 15.50% | 15.30x | $140.11 Billion |
| ALLIANZ SE UNSP.ADR 1/10 (ALVE) | $64.08 Billion | 15.50% | 15.30x | $141.45 Billion |
| AXA SA (AXAA) | $52.48 Billion | 15.03% | 11.46x | $81.82 Billion |
| MAPFRE S.A.ADR 2 / EO-10 (CMA) | $9.99 Billion | 9.69% | 4.68x | $12.03 Billion |
| NÜRNBERGER Beteiligungs-AG (NBG6) | $823.68 Million | 8.70% | 31.70x | $1.38 Billion |
| RheinLand Holding AG (RLV) | $179.30 Million | 9.17% | 8.07x | $115.20 Million |
| Arch Capital Group Ltd (RSK) | $5.65 Billion | 12.57% | 2.46x | $29.77 Billion |
About ASS.GENERALI ADR 1/2/EO 1
Assicurazioni Generali S.p.A. provides various insurance solutions under the Generali brand in the Americas, Italy, rest of Europe, Africa, the Middle East, Asia, and the Oceania. The company operates through Life, Property & Casualty, and Asset & Wealth Management segments. It offers savings, individual and family protection, and unit linked products, as well as motor third-party liability, home… Read more