Retail shareholders
In Generali we have a strong presence of individual investors, the retail shareholders, who hold about 20 percent of our share capital. The dialogue with retail shareholders, a fundamental pillar of our governance, finds its highest expression in the Shareholders' Meeting, which this year, with great pride, was again held with the physical presence of shareholders.
This page is dedicated to the main topics related to retail shareholders, from attending the AGM to the Shareholders' Club.
Discover Shareholders' initiatives
Shareholders' meeting
The Shareholders' Meeting, convened at least once a year and open to all those who hold at least one Generali share, represents a key moment in which shareholders have the opportunity to formally interact with the Board of Directors and the management to discuss the main issues on which the company's life has been articulated throughout the year.
For the first time since 2019, Generali held its Shareholders' Meeting in the traditional mode, with the physical presence of shareholders. The AGM 2025 held on April 24 also inaugurated the new Generali Convention Center in Trieste as the venue for the event: a further step in strengthening ties with the territory and in promoting direct and transparent dialogue with its stakeholders.
Shareholders were therefore able to cast their votes by attending in person, delegating a person of their choice, or giving proxy to the Designated Representative, also through the dedicated online platform. For shareholders who voted through the Designated Representative, Generali offered once again the opportunity to follow the entire meeting proceedings via streaming, and for the public to follow the opening speeches of the Shareholders' Meeting, in order to extend to the widest possible audience the opportunity to easily witness this fundamental moment of institutional communication.
Shareholders' meeting extended inclusion (SMEI)
In order to overcome the physical, communicative and sensorial barriers that may prevent the participation of some shareholders in the General Meeting, Generali has launched, since 2016, the Shareholders' Meeting Extended Inclusion (SMEI) program.
Supported by the enthusiasm and dedication of the volunteers of our Group and the collaboration of trained assistance professionals, the SMEI Program has developed over time, through the provision of a growing number of services, always oriented towards the inclusion of all shareholders with respect to that central moment in the life of the Company which is the Annual General Meeting. Read more
Shareholders unit
In order to guarantee that also retail shareholders have a direct contact point in Assicurazioni Generali, the Company adds to its Investor Relations office, managing relations with institutional shareholders and analysts, the Shareholders Unit, dedicated to relations with retail shareholders. Contact info for this unit is available in the Investors\Contacts section.
Shareholders' Club
The Shareholders' Club is a unique space created for shareholders who have chosen to trust the Generali Group and contribute to the commitment to help people build a safer and more sustainable future, taking care of their lives and their dreams. Through the Shareholders' Club, Generali aims to spread awareness of all the activities among Shareholders, with a vision to be "Lifetime partner”.
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Shareholders' Club
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Generali's engagement to keep its shareholders up to date and in contact
Generali strongly believes in the value of the trust shown by tens of thousands private investors that make up the base of its shareholder structure and as a consequence is focused on supplying a continuous and detailed stream of information, in particular in important moments of the Company’s life. This focus and conviction are embodied by various documents, published periodically or on particular occasions and designed with retail shareholders’ needs in mind:
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Generali in the Stock Exchange (Total Shareholders Return)
2024 - TOTAL SHAREHOLDER'S RETURN PERFORMANCE (*)
The total shareholders’ return is the measure of performance which combines share price variation and dividends paid to show the total return to the shareholder expressed as an annualized percentage.
More info on the “Share information & analysts” section.
Results of the Generali Group
To keep updated on all news on the Group, see the Press Releases
To know more details on the Generali Group positioning:
See the Financial information as at 30th September 2025
Generali continues to achieve very strong growth in operating and adjusted net results. Solid capital position confirmed
- Gross written premiums reached € 73.1 billion (+3.7%), driven by P&C (+7.2%)
- Life net inflows rose to € 10.4 billion, particularly thanks to the preferred protection & health and hybrid & unit-linked lines
- Very strong growth in operating result to € 5.9 billion (+10.1%), driven by the excellent performance of P&C (+23.9%)
- Combined Ratio improved significantly to 92.3% (-1.7 p.p.); undiscounted Combined Ratio continued its very positive development to 94.2% (-2.1 p.p.)
- Adjusted net result grew to € 3.3 billion (+14.0%) thanks to the very strong operating performance. Adjusted EPS rose substantially to € 2.16 (+16.0%)
- Solid capital position confirmed, with Solvency Ratio rising to 214% (210% FY2024), thanks to healthy normalised capital generation and including the € 500 million share buy-back programme
Generali Group CFO, Cristiano Borean, said: ““The first nine months of 2025 confirm the very strong start of the Group’s new strategic cycle. All business segments contributed positively to the double-digit growth of the operating result. Life recorded sustained net inflows, driven by preferred business lines. P&C enjoyed healthy top-line growth and confirmed our technical excellence, with a further improvement in the undiscounted combined ratio. After two years of significant Nat Cat experience, 2025 was benign so far, with nine month Nat Cat claims of € 573 million, just over half of the full year Nat Cat budget. With continued strong focus on the implementation of our ‘Lifetime Partner 27: Driving Excellence’ strategic plan, we opted to take advantage of this positive Nat Cat development to further strengthen our balance sheet and to increase our confidence of exceeding the targets of our three-year plan. We will continue delivering value for the benefit of all our stakeholders, building on this positive momentum, with the adjusted EPS up 16% year-on-year, and enjoying the benefit of a strong balance sheet, diversified sources of cash generation as well as a solid capital position”.”
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Generali in the community
The engine of The Human Safety Net is a foundation initiated by Generali. It extends Generali’s purpose of ‘enabling people to shape a safer future by caring for their lives and dreams’ to the most vulnerable in our society. Generali is mobilizing their people and resources – financial support, time, skills, networks, assets, products - to reach more people and amplify our impact.