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Banca Generali S.p.A (0DQZ) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Banca Generali S.p.A €38.81, price €62.20, upside -37.6%, quality 49 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · GB · Home Italy · ISIN IT0001031084

BG Thin data Sep 24, 2026

Banca Generali S.p.A

0DQZ · LSE

Weakest SetupStrongly overvalued and low quality.

!Fair value €38.81 · Strongly overvalued (−37.6%)
!Quality 49/100
!Mixed Growth (revenue 3y +7.2 %/yr)
✓Highly profitable · 44.8% net margin (TTM)
·4.7% dividend yield · Safety not assessed
✓Wide moat 77/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

€68.15 €19.43 Fair Value €38.81 Jul 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range €19.43 – €68.15 · fair‑value band €29.11 – €48.51 · the €62.20 price screens above the €38.81 fair value. Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Banca Generali S.p.A. distributes financial products and services for high net worth, affluent and private customers through financial advisors in Italy. The company operates through Private Banking CGU (PB CGU) and Senior Partner CGU (SP CGU) segments.

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Banca Generali S.p.A. distributes financial products and services for high net worth, affluent and private customers through financial advisors in Italy. The company operates through Private Banking CGU (PB CGU) and Senior Partner CGU (SP CGU) segments. It offers banking accounts and services comprising current and deposit accounts, other bespoke banking, and payment services; custody and administration services for the financial instruments; advisory services on the purchase and sale of instruments on the primary and secondary markets; asset management services, such as mutual investment funds, in-house products, and portfolio management solutions; distributes insurance products; and insurance investments. The company also provides wealth advisory services, including corporate advisory, which supports companies' growth and extraordinary finance transactions; real estate advisory, focused on the valuation and management of real estate; art and passion Advisory, dedicated to works of art and collectibles; and family protection and planning, which provides advice on wealth protection, transfer, and generational continuity for family and business assets. The company was founded in 1997 and is headquartered in Milan, Italy. Banca Generali S.p.A. is a subsidiary of Assicurazioni Generali S.p.A.

Stock analysis

Banca Generali S.p.A (0DQZ) currently trades at €62.20, while our model-based Fair Value estimate is €38.81, 37.6% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Dividend Discount group reads highest at a median of €64.05 per share, and 2 of the 6 models we run sit above the €62.20 price.

Bear case: the Asset-Based group reads lowest at €11.77, and 4 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: €29.11 (bear) to €48.51 (bull), the price of €62.20 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Banca Generali S.p.A reported revenue of €1.0B in FY2020 versus €698M in FY2016, a compound +10.3%/yr. Reported net income was €275M in FY2020, compounding +15.2%/yr from FY2016.

Key figures

Market cap €4.2B · P/S ratio 4.06 · Dividend yield 4.7% · Net margin 26.6% · Return on equity 28.2% · Return on assets (EBIT) 2.5% · Operating margin 62.0% · Revenue (TTM) €1.0B.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 43 out of 100 (low confidence).

What moves the price

The share trades about 9% below its 52-week high and 41% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −38%, 0DQZ screens richer than that median.

Fair Value models

Bear €29.11 Fair Value €38.81 Bull €48.51
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income €23.92 €28.73 €42.53 72
Gordon GGM €37.20 €74.12 €112.23 64
DDM Multi-Stage €37.20 €64.05 €78.23 64
All 6 models by family
Dividend Discount
Gordon GGM €37.20 €74.12 €112.23 64
DDM Multi-Stage €37.20 €64.05 €78.23 64
Multiples
P/E Multiple €39.78 €53.04 €66.30 63
P/B Multiple €18.45 €24.60 €30.75 55
Asset-Based
NCAV (Graham) €8.79 €11.77 €17.57 51
Economic Profit
Residual Income €23.92 €28.73 €42.53 72

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Quality Score breakdown

Overall quality 49/100

Of which business quality 46 · Market factors (momentum, volatility) 72

Profitability 44
Margins and returns on capital today
Quality Growth 47
Are margins and returns improving?
Cashflow 50
Earnings quality: real cash, not paper profit
Investment 39
Disciplined investing over empire-building
Low Volatility 83
Calm price path (market factor)
Momentum 63
Price trend over the last 3–12 months (market factor)
52W Momentum 75
Distance to the 52-week high (market factor)

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 44/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+6.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.2%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
26.2% (2016) → 33.7% (2020)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no share-count history
not computed

0DQZ screens overvalued: fair value 38% below the price. Compare with DBS Group →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1053 stocks

Beats the industry median on 7/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 48 · Below median
Fair Value upside +6.7% · Above median
Profitability
Return on equity (TTM) 28.2% · Top 25%
Return on assets 2.6% · Top 25%
Net margin (TTM) 44.8% · Top 25%
Operating margin (TTM) 62.0% · Top 25%
Growth and dividend
Revenue growth 11.6% · Above median
Dividend yield (TTM) 4.7% · Top 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/B 4.11× · Priciest 25%
P/S (TTM) 4.72× · Priciest 25%

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 78.00 SGD 40.39 SGD −48%
China Merchants Bank Co 600036 ¥40.69 ¥52.73 +30%
UniCredit S.p.A UCG €79.53 €77.12 −3%
Mizuho Financial Group MFG $11.05 $6.82 −38%
Intesa Sanpaolo S.p.A ISP €6.38 €4.06 −36%
BNP Paribas SA BNP €91.54 €105.99 +16%
HDFC Bank Limited HDFCBANK ₹721.20 ₹406.44 −44%
Oversea-Chinese Banking Corporation O39 32.01 SGD 19.78 SGD −38%
Al Rajhi Banking and Investment Corporation 1120 63.15 SAR 36.95 SAR −41%
CaixaBank, S.A CABK €12.03 €8.46 −30%

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Banca Generali S.p.A · Fair Value
€38.81 −38%Fair Value
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Cite: Fair Value Calculator (2026). "Banca Generali S.p.A Fair Value". https://www.fairvalue-calculator.com/stock/0DQZ

Frequently asked questions

Is Banca Generali S.p.A (0DQZ) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of €38.81 versus a price of €62.20, about −38% upside (overvalued).
What is the fair value of 0DQZ?
Our model-based fair value for Banca Generali S.p.A is €38.81 (as of Sep 24, 2026), built from audited fundamentals. The current price: €62.20.
What is the quality score of 0DQZ?
Banca Generali S.p.A has a Quality Score of 49/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Banca Generali S.p.A (0DQZ)?
Our model-based price target is the fair value of €38.81 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario €29.11, optimistic scenario €48.51. It is a calculation from audited fundamentals, not an analyst target.
What is the Banca Generali S.p.A stock forecast for 2026?
Our models put fair value at €38.81, about −38% upside versus a price of €62.20 (overvalued). Cautious scenario €29.11, optimistic scenario €48.51. The calculation is refreshed regularly with new filings.
What is the revenue of Banca Generali S.p.A (0DQZ)?
Banca Generali S.p.A reported trailing-twelve-month revenue of about €1.0B (latest available figure, as of Sep 24, 2026).
Does Banca Generali S.p.A pay a dividend?
Banca Generali S.p.A currently shows a dividend yield of about 4.66% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Banca Generali S.p.A (0DQZ)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Banca Generali S.p.A it is €38.81 per share (as of Sep 24, 2026), against a price of €62.20. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Banca Generali S.p.A stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0DQZ trades above its calculated fair value: price €62.20, fair value €38.81, a gap of about −38% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 0DQZ?
No. The price is what the market pays today (€62.20); the fair value is what the company's own numbers justify (€38.81). For Banca Generali S.p.A the two are €23.39 per share apart. That gap is exactly why we show both numbers side by side.
How much is Banca Generali S.p.A worth?
The market values Banca Generali S.p.A at about €4.2B (market capitalisation, as of Sep 24, 2026). Per share that is €62.20; our models calculate a fair value of €38.81 per share.
What do the bullish and bearish scenarios say about 0DQZ?
Our models span a range for Banca Generali S.p.A: cautious scenario €29.11, base €38.81, optimistic €48.51 per share (as of Sep 24, 2026, price €62.20). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Banca Generali S.p.A (0DQZ)?
Balance-sheet figures for Banca Generali S.p.A (as of Sep 24, 2026): return on equity 28.2%. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is 0DQZ from its 52-week high?
Banca Generali S.p.A trades at €62.20, about 9% below its 52-week high of €68.15 and 41% above the low of €44.03 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of €38.81 is for.
Which stocks are comparable to Banca Generali S.p.A?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Banca Generali S.p.A stock attractive at the current price?
The data as of Sep 24, 2026: price €62.20, calculated fair value €38.81 (−38%), Quality Score 49/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 0DQZ calculated?
We run Banca Generali S.p.A through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €38.81, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Banca Generali S.p.A itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Banca Generali S.p.A (0DQZ)?
The closing price on Oct 2, 2026 was €62.20. Our model-based fair value is €38.81, about −38% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banca Generali S.p.A right now?
The price sits above even our optimistic bull case (€48.51). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (49/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Banca Generali S.p.A

How large is the market capitalisation of Banca Generali S.p.A (0DQZ)?
The market capitalisation of Banca Generali S.p.A is €4.2B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Banca Generali S.p.A (0DQZ)?
The price-to-sales ratio of Banca Generali S.p.A is 4.06 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of Banca Generali S.p.A (0DQZ)?
The dividend yield of Banca Generali S.p.A is 4.7%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Banca Generali S.p.A (0DQZ)?
The net margin of Banca Generali S.p.A is 26.6% (fiscal year 2020). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Banca Generali S.p.A (0DQZ)?
The return on equity (ROE) of Banca Generali S.p.A is 28.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Banca Generali S.p.A (0DQZ)?
On an EBIT basis the return on assets of Banca Generali S.p.A is 2.5% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Banca Generali S.p.A (0DQZ)?
The operating margin of Banca Generali S.p.A is 62.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Banca Generali S.p.A (0DQZ)?
Revenue at Banca Generali S.p.A is growing +11.6% versus a year earlier (3y avg +7.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Banca Generali S.p.A (0DQZ)?
Earnings per share at Banca Generali S.p.A are growing +14.7% versus a year earlier. How much earnings per share grew versus a year earlier.
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