Assicurazioni Generali S.p.A. ARZGF OTC

Assicurazioni Generali S.p.A. (ARZGF) generated $19.9B in operating cash flow for fiscal year 2025. After capital expenditures of $440.83M, free cash flow was $19.46B.

Free cash flow margin was 28.2% of revenue. Cash conversion ratio was 4.77x, indicating earnings are backed by cash.

The company returned $2.17B in dividends and $832.69M in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (50/100, Partial) — cash generation is adequate but may not fully cover debt in stressed conditions
• MOAT (84/100, Pass) — $19.46B (28.2% FCF margin) supports a durable competitive advantage
• INCOME (45/100) — Cash conversion ratio was 4.77x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 69/100 with 4/7 criteria passed.