Banca Generali S.p.A. (BGN.MI) stock analysis

In our weekly check, Banca Generali S.p.A. is graded C (A to F). Of 24 checks on debt, profit, cash flow and trend: 14 pass, warnings: 5, red flags: 5.

About Banca Generali S.p.A.

Banca Generali S.p.A. is a Financial Services company (Banks - Regional) based in Italy, listed on MIL as BGN.MI.

What our checks show for BGN.MI

Red flags

• The net margin fell by 8.4 points over 5 years, to 31.2%: the company keeps less of each sale as profit.
• Profits not backed by cash
• Analysts expect revenue to shrink about 47.7% a year.
• The stock has fallen as much as 82% from a peak. Would you have held through that?
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• Analysts expect earnings per share to shrink about 41.6% a year.
• Free cash flow is only 0% of revenue.
• Recovering from its deepest fall took about 2.1 years.
• Thinly traded (about 190 thousand shares a day): buying and selling can move the price.

Strengths

• The gross margin is 104% and has risen by 4.5 points: pricing power is holding.
• Analysts expect the net margin to improve by 9 points from today's 31.2%.
• Revenue grew 99.6% a year over the last 3 years.
• Earnings per share grew 106% a year over the last 3 years.
• Net profit grew 107% a year over the last 3 years.
• The company keeps 31.2% of its revenue as net profit.

Next earnings report: 2026-11-10

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UBSI · FNB · GBCI · HOMB · VLY · CBSH

Questions

What grade does Banca Generali S.p.A. (BGN.MI) have?

In our weekly check, Banca Generali S.p.A. is graded C (A to F). Of 24 checks on debt, profit, cash flow and trend: 14 pass, warnings: 5, red flags: 5. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of BGN.MI stock?

This week's biggest flags for Banca Generali S.p.A.: Margins falling, Profits not backed by cash, Weak revenue forecast. In total 10 of 24 checks show a warning or a red flag.

What does Banca Generali S.p.A. do?

Banca Generali S.p.A. is a Financial Services company (Banks - Regional) based in Italy, listed on MIL as BGN.MI.

When does Banca Generali S.p.A. report earnings next?

The next earnings report is expected on 2026-11-10. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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