Market Price

207.80 

-0.10 -0.1%

as of Mar 25 '19

52 Week Range:

174.85 218.00


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft engages in the insurance and reinsurance businesses worldwide. It operates through five segments: Life and Health Reinsurance; Property-Casualty Reinsurance; ERGO Life and Health Germany; ERGO Property-Casualty Germany; and ERGO International. The company offers non-life reinsurance products for capital markets, crop insurance systems, cyber risks, financial lines and risks, natural catastrophes, natural hazards assessment network risks, retroactive, aviation, space, and workers' compensation. It also provides life reinsurance products related to automated underwriting, capital management, product development, retakaful, and risk management; and health reinsurance products, such as medical underwriting and business analytics solutions, as well as risk insurance solutions for industrial firms and corporate clients. In addition, the company offers primary insurance products, including direct, life, property-casualty, health, legal expense, and travel insurance products under the ERGO Direkt, ERGO, DKV, D.A.S., and ERV brand names, as well as provides investment fund management services to private and institutional investors. It offers its insurance products to private, commercial, and industrial customers through various sales channels. Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft was founded in 1880 and is based in Munich, Germany.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 127.56
109.24
132.48
122.52
150.56
144.44
172.11
182.81
204.43
182.38
180.92
growth rate -14.4% 21.3% -7.5% 22.9% -4.1% 19.2% 6.2% 11.8% -10.8% -0.8%
Earnings BIT 2,900.00
3,830.00
3,120.00
160.00
4,080.00
4,330.00
4,134.00
4,859.00
4,080.00
1,360.00
3,841.00
growth rate 32.1% -18.5% -94.9% 2,450.0% 6.1% -4.5% 17.5% -16.0% -66.7% 182.4%
Avg.PE 14.84
8.39
8.69
24.04
7.56
8.66
9.36
9.77
11.08
75.90
growth rate -43.5% 3.6% 176.6% -68.6% 14.6% 8.1% 4.4% 13.4% 585.0%
ROA 0.70
1.15
1.05
0.29
1.26
1.29
1.20
1.13
0.95
0.14
0.86
growth rate 64.3% -8.7% -72.4% 334.5% 2.4% -7.0% -5.8% -15.9% -85.3% 514.3%
ROE 6.55
11.72
10.80
3.06
12.72
12.46
11.26
10.24
8.30
1.26
8.50
growth rate 78.9% -7.9% -71.7% 315.7% -2.0% -9.6% -9.1% -19.0% -84.8% 574.6%
ROIC 8.78
12.95
11.67
4.08
12.59
12.35
11.15
growth rate 47.5% -9.9% -65.0% 208.6% -1.9% -9.7%
Cur. Ratio
growth rate
Quick Ratio 0.44
growth rate
Leverage 10.27
10.13
10.37
10.74
9.51
9.79
9.09
9.02
8.50
9.49
10.25
growth rate -1.4% 2.4% 3.6% -11.5% 2.9% -7.2% -0.8% -5.8% 11.7% 8.0%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 3,702.00
4,330.00
4,467.00
5,033.00
5,114.00
4,084.00
5,771.00
13,469.00
17,187.00
growth rate 17.0% 3.2% 12.7% 1.6% -20.1% 41.3% 133.4% 27.6%
Acct.Payable 53,285.00
58,834.00
59,263.00
57,844.00
62,324.00
65,424.00
68,278.00
70,277.00
74,900.00
growth rate 10.4% 0.7% -2.4% 7.7% 5.0% 4.4% 2.9% 6.6%
Cur.Assets 15,600.00
17,357.00
18,227.00
17,339.00
17,915.00
25,872.00
18,037.00
19,217.00
26,084.00
growth rate 11.3% 5.0% -4.9% 3.3% 44.4% -30.3% 6.5% 35.7%
Total Assets 215,362.00
223,412.00
236,358.00
247,580.00
258,416.00
254,312.00
272,984.00
268,868.00
267,805.00
265,722.00
growth rate 3.7% 5.8% 4.8% 4.4% -1.6% 7.3% -1.5% -0.4% -0.8%
Cash 2,365.00
3,082.00
2,900.00
2,490.00
2,860.00
2,794.00
2,897.00
3,932.00
3,343.00
3,580.00
4,974.00
growth rate 30.3% -5.9% -14.1% 14.9% -2.3% 3.7% 35.7% -15.0% 7.1% 38.9%
Cur.Liabilities 66,029.00
73,470.00
74,095.00
70,303.00
75,988.00
85,145.00
82,235.00
83,647.00
89,682.00
growth rate 11.3% 0.9% -5.1% 8.1% 12.1% -3.4% 1.7% 7.2%
Liabilities 194,255.00
201,363.00
213,330.00
224,271.00
230,977.00
228,124.00
242,695.00
237,903.00
236,021.00
237,524.00
growth rate 3.7% 5.9% 5.1% 3.0% -1.2% 6.4% -2.0% -0.8% 0.6%
LT Debt 302.00
276.00
6,980.00
5,562.00
6,256.00
5,084.00
5,138.00
5,158.00
4,938.00
3,669.00
4,655.00
growth rate -8.6% 2,429.0% -20.3% 12.5% -18.7% 1.1% 0.4% -4.3% -25.7% 26.9%
Equity 21,107.00
22,278.00
23,028.00
23,309.00
27,439.00
25,945.00
30,018.00
30,667.00
31,515.00
28,012.00
growth rate 5.6% 3.4% 1.2% 17.7% -5.4% 15.7% 2.2% 2.8% -11.1%
Common Shares 201.00
195.00
185.00
178.00
178.00
179.00
172.00
166.00
160.00
154.00
149.00
growth rate -3.0% -5.1% -3.8% 0.0% 0.6% -3.9% -3.5% -3.6% -3.8% -3.3%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 0.00 0.00 0.00 0.00 0.00
growth rate
Cash Dividends 1,181.00
1,076.00
1,076.00
1,119.00
1,113.00
1,255.00
1,254.00
1,293.00
1,328.00
1,334.00
1,286.00
growth rate -8.9% 0.0% 4.0% -0.5% 12.8% -0.1% 3.1% 2.7% 0.5% -3.6%
Cash From OA 8,424.00
8,654.00
8,836.00
6,075.00
5,535.00
2,187.00
7,527.00
4,327.00
2,975.00
1,833.00
growth rate 2.7% 2.1% -31.3% -8.9% -60.5% 244.2% -42.5% -31.3% -38.4%
FCF per Share 30.78
41.95
42.53
43.43
28.85
17.39
38.86
21.55
23.24
16.79
20.04
growth rate 36.3% 1.4% 2.1% -33.6% -39.7% 123.5% -44.5% 7.8% -27.8% 19.4%
Sale Purchase of Stock 107.00
growth rate
FCF 8,428.00
8,654.00
8,836.00
6,075.00
5,535.00
2,187.00
7,527.00
4,327.00
3,132.00
1,833.00
2,998.00
growth rate 2.7% 2.1% -31.3% -8.9% -60.5% 244.2% -42.5% -27.6% -41.5% 63.6%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 61,383.00
59,583.00
52,674.00
55,960.00
59,750.00
55,385.00
53,766.00
56,668.00
55,656.00
55,826.00
52,184.00
growth rate -2.9% -11.6% 6.2% 6.8% -7.3% -2.9% 5.4% -1.8% 0.3% -6.5%
Op.Income 3,659.00
3,982.00
2,430.00
712.00
3,204.00
4,330.00
4,134.00
4,859.00
4,080.00
1,360.00
3,841.00
growth rate 8.8% -39.0% -70.7% 350.0% 35.1% -4.5% 17.5% -16.0% -66.7% 182.4%
IBT 2,951.00
3,828.00
3,122.00
160.00
4,082.00
3,441.00
2,858.00
3,598.00
3,341.00
94.00
growth rate 29.7% -18.4% -94.9% 2,451.3% -15.7% -16.9% 25.9% -7.1% -97.2%
Net Income 1,579.00
2,564.00
2,430.00
712.00
3,204.00
3,304.00
3,152.00
3,107.00
2,580.00
375.00
growth rate 62.4% -5.2% -70.7% 350.0% 3.1% -4.6% -1.4% -17.0% -85.5%
EPS 7.74
12.95
13.06
3.94
17.94
18.45
18.31
18.73
16.13
2.44
15.53
growth rate 67.3% 0.9% -69.8% 355.3% 2.8% -0.8% 2.3% -13.9% -84.9% 536.5%
Gross Profit 32,667.00
27,191.00
16,091.00
15,046.00
18,754.00
17,538.00
16,730.00
17,937.00
17,158.00
14,181.00
17,068.00
growth rate -16.8% -40.8% -6.5% 24.6% -6.5% -4.6% 7.2% -4.3% -17.4% 20.4%

Quarterly Statements

Item Name Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Earnings BIT 961.00
1,303.00
1,011.00
1,065.00
462.00
growth rate 35.6% -22.4% 5.3% -56.6%
Balance Sheet Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Acct.Receivable 7,267.00
16,649.00
16,913.00
17,305.00
17,187.00
growth rate 129.1% 1.6% 2.3% -0.7%
Acct.Payable 70,277.00
63,058.00
64,903.00
65,377.00
74,900.00
growth rate -10.3% 2.9% 0.7% 14.6%
Cur.Assets 19,351.00
23,075.00
23,197.00
24,250.00
26,084.00
growth rate 19.2% 0.5% 4.5% 7.6%
Total Assets 265,722.00
267,399.00
268,847.00
269,352.00
growth rate 0.6% 0.5% 0.2%
Cash 3,580.00
4,052.00
3,788.00
3,754.00
4,974.00
growth rate 13.2% -6.5% -0.9% 32.5%
Cur.Liabilities 83,647.00
75,677.00
78,786.00
80,081.00
89,682.00
growth rate -9.5% 4.1% 1.6% 12.0%
Liabilities 237,524.00
240,208.00
241,948.00
242,235.00
growth rate 1.1% 0.7% 0.1%
LT Debt 3,669.00
3,072.00
2,743.00
2,742.00
4,655.00
growth rate -16.3% -10.7% 0.0% 69.8%
Equity 28,012.00
27,006.00
26,711.00
26,955.00
growth rate -3.6% -1.1% 0.9%
Common Shares 573.00
7,412.00
586.00
581.00
573.00
growth rate 1,193.5% -92.1% -0.9% -1.4%
Cash Flow Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Capital Expenditures
growth rate
Cash Dividends
growth rate
Cash From OA 859.00
859.00
859.00
859.00
growth rate 0.0% 0.0% 0.0%
FCF
growth rate
Income Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Sales 14,103.00
13,090.00
12,570.00
13,012.00
13,512.00
growth rate -7.2% -4.0% 3.5% 3.8%
Op.Income 961.00
1,303.00
1,011.00
1,065.00
462.00
growth rate 35.6% -22.4% 5.3% -56.6%
IBT 542.00
1,037.00
796.00
718.00
growth rate 91.3% -23.2% -9.8%
Net Income 530.00
825.00
724.00
505.00
growth rate 55.7% -12.2% -30.3%
EPS
growth rate
Gross Profit 4,357.00
4,659.00
3,695.00
4,155.00
4,559.00
growth rate 6.9% -20.7% 12.5% 9.7%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (0.00)

YOY Growth Grade:

F (5.94)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 13.38 13.38 11.24
EPS / Growth -0.2% 15.53 7.3%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.0% 1.0%
Future PE 2.00 8.87 8.87
Future EPS 17.16 17.16 17.16
Value Price
MOS %
8.48
-95.9%
37.64
-81.9%
37.64
-81.9%
MOS Price 4.24 18.82 18.82
IRT 12.50 12.50 12.50

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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