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DIRECTA SIM SPA (D.MI) Stock Fundamental Analysis

Europe - BIT:D - IT0001463063 - Common Stock

5.3 EUR
-0.06 (-1.12%)
Last: 9/12/2025, 7:00:00 PM
Fundamental Rating

7

Overall D gets a fundamental rating of 7 out of 10. We evaluated D against 112 industry peers in the Capital Markets industry. Both the health and profitability get an excellent rating, making D a very profitable company, without any liquidiy or solvency issues. D scores decently on growth, while it is valued quite cheap. This could make an interesting combination. These ratings could make D a good candidate for value and quality investing.


Dividend Valuation Growth Profitability Health

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8

1. Profitability

1.1 Basic Checks

In the past year D was profitable.
In the past year D had a positive cash flow from operations.
Of the past 5 years D 4 years were profitable.
D had a positive operating cash flow in 4 of the past 5 years.
D.MI Yearly Net Income VS EBIT VS OCF VS FCFD.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 0 10M -10M 20M -20M

1.2 Ratios

D's Return On Assets of 9.66% is amongst the best of the industry. D outperforms 88.39% of its industry peers.
D has a Return On Equity of 27.04%. This is amongst the best in the industry. D outperforms 94.64% of its industry peers.
D has a Return On Invested Capital of 11.89%. This is amongst the best in the industry. D outperforms 89.29% of its industry peers.
D had an Average Return On Invested Capital over the past 3 years of 8.42%. This is in line with the industry average of 8.46%.
The last Return On Invested Capital (11.89%) for D is above the 3 year average (8.42%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 9.66%
ROE 27.04%
ROIC 11.89%
ROA(3y)6.68%
ROA(5y)4.88%
ROE(3y)20.06%
ROE(5y)14.82%
ROIC(3y)8.42%
ROIC(5y)7.1%
D.MI Yearly ROA, ROE, ROICD.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 0 5 10 15 20

1.3 Margins

With a decent Profit Margin value of 28.15%, D is doing good in the industry, outperforming 74.11% of the companies in the same industry.
In the last couple of years the Profit Margin of D has grown nicely.
Looking at the Operating Margin, with a value of 46.40%, D belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
D's Operating Margin has improved in the last couple of years.
D has a Gross Margin of 85.71%. This is amongst the best in the industry. D outperforms 84.82% of its industry peers.
In the last couple of years the Gross Margin of D has grown nicely.
Industry RankSector Rank
OM 46.4%
PM (TTM) 28.15%
GM 85.71%
OM growth 3Y15.85%
OM growth 5Y41.54%
PM growth 3Y31.21%
PM growth 5YN/A
GM growth 3Y2.76%
GM growth 5Y2.45%
D.MI Yearly Profit, Operating, Gross MarginsD.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 0 20 40 60 80

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7

2. Health

2.1 Basic Checks

The number of shares outstanding for D has been increased compared to 1 year ago.
The number of shares outstanding for D has been increased compared to 5 years ago.
D has a better debt/assets ratio than last year.
D.MI Yearly Shares OutstandingD.MI Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 5M 10M 15M
D.MI Yearly Total Debt VS Total AssetsD.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M

2.2 Solvency

D has an Altman-Z score of 2.15. This is not the best score and indicates that D is in the grey zone with still only limited risk for bankruptcy at the moment.
D has a Altman-Z score of 2.15. This is in the better half of the industry: D outperforms 65.18% of its industry peers.
The Debt to FCF ratio of D is 3.15, which is a good value as it means it would take D, 3.15 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 3.15, D belongs to the best of the industry, outperforming 81.25% of the companies in the same industry.
D has a Debt/Equity ratio of 1.64. This is a high value indicating a heavy dependency on external financing.
D has a Debt to Equity ratio (1.64) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.64
Debt/FCF 3.15
Altman-Z 2.15
ROIC/WACCN/A
WACCN/A
D.MI Yearly LT Debt VS Equity VS FCFD.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 0 20M -20M 40M 60M

2.3 Liquidity

D has a Current Ratio of 2.72. This indicates that D is financially healthy and has no problem in meeting its short term obligations.
D has a better Current ratio (2.72) than 83.04% of its industry peers.
D has a Quick Ratio of 2.72. This indicates that D is financially healthy and has no problem in meeting its short term obligations.
D has a Quick ratio of 2.72. This is amongst the best in the industry. D outperforms 83.04% of its industry peers.
Industry RankSector Rank
Current Ratio 2.72
Quick Ratio 2.72
D.MI Yearly Current Assets VS Current LiabilitesD.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 5M 10M 15M

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6

3. Growth

3.1 Past

D shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 80.52%, which is quite impressive.
D shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 43.41% yearly.
The Revenue has grown by 31.70% in the past year. This is a very strong growth!
The Revenue has been growing by 16.62% on average over the past years. This is quite good.
EPS 1Y (TTM)80.52%
EPS 3Y43.41%
EPS 5YN/A
EPS Q2Q%64.9%
Revenue 1Y (TTM)31.7%
Revenue growth 3Y14.05%
Revenue growth 5Y16.62%
Sales Q2Q%31.16%

3.2 Future

The Earnings Per Share is expected to grow by 17.29% on average over the next years. This is quite good.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y27.27%
EPS Next 2Y25.23%
EPS Next 3Y17.29%
EPS Next 5YN/A
Revenue Next Year11.72%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
D.MI Yearly Revenue VS EstimatesD.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
D.MI Yearly EPS VS EstimatesD.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

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8

4. Valuation

4.1 Price/Earnings Ratio

D is valuated reasonably with a Price/Earnings ratio of 8.98.
Based on the Price/Earnings ratio, D is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.30, D is valued rather cheaply.
The Price/Forward Earnings ratio is 7.53, which indicates a rather cheap valuation of D.
D's Price/Forward Earnings ratio is rather cheap when compared to the industry. D is cheaper than 97.32% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of D to the average of the S&P500 Index (22.73), we can say D is valued rather cheaply.
Industry RankSector Rank
PE 8.98
Fwd PE 7.53
D.MI Price Earnings VS Forward Price EarningsD.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

95.54% of the companies in the same industry are more expensive than D, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 4.64
EV/EBITDA N/A
D.MI Per share dataD.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5 2

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
D has an outstanding profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as D's earnings are expected to grow with 17.29% in the coming years.
PEG (NY)0.33
PEG (5Y)N/A
EPS Next 2Y25.23%
EPS Next 3Y17.29%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.62%, D is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.14, D pays a better dividend. On top of this D pays more dividend than 85.71% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, D pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.62%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

DPN/A
EPS Next 2Y25.23%
EPS Next 3Y17.29%
D.MI Yearly Income VS Free CF VS DividendD.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 0 10M -10M 20M -20M

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DIRECTA SIM SPA

BIT:D (9/12/2025, 7:00:00 PM)

5.3

-0.06 (-1.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0.08%
Inst Owner ChangeN/A
Ins Owners83.1%
Ins Owner ChangeN/A
Market Cap99.38M
Analysts82.86
Price Target7.65 (44.34%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.62%
Yearly Dividend0.16
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 8.98
Fwd PE 7.53
P/S 2.51
P/FCF 4.64
P/OCF 4.29
P/B 2.41
P/tB 2.57
EV/EBITDA N/A
EPS(TTM)0.59
EY11.13%
EPS(NY)0.7
Fwd EY13.28%
FCF(TTM)1.14
FCFY21.56%
OCF(TTM)1.24
OCFY23.31%
SpS2.11
BVpS2.2
TBVpS2.07
PEG (NY)0.33
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 9.66%
ROE 27.04%
ROCE 16.99%
ROIC 11.89%
ROICexc 14.33%
ROICexgc 15.65%
OM 46.4%
PM (TTM) 28.15%
GM 85.71%
FCFM 54.16%
ROA(3y)6.68%
ROA(5y)4.88%
ROE(3y)20.06%
ROE(5y)14.82%
ROIC(3y)8.42%
ROIC(5y)7.1%
ROICexc(3y)9.69%
ROICexc(5y)7.86%
ROICexgc(3y)12.05%
ROICexgc(5y)9.83%
ROCE(3y)12.11%
ROCE(5y)10.49%
ROICexcg growth 3Y13.49%
ROICexcg growth 5Y74.74%
ROICexc growth 3Y15.47%
ROICexc growth 5Y71.45%
OM growth 3Y15.85%
OM growth 5Y41.54%
PM growth 3Y31.21%
PM growth 5YN/A
GM growth 3Y2.76%
GM growth 5Y2.45%
F-Score8
Asset Turnover0.34
Health
Industry RankSector Rank
Debt/Equity 1.64
Debt/FCF 3.15
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 4.39%
Interest Coverage -5.52
Cash Conversion N/A
Profit Quality 192.41%
Current Ratio 2.72
Quick Ratio 2.72
Altman-Z 2.15
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)5.83%
Cap/Sales(5y)7.36%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)80.52%
EPS 3Y43.41%
EPS 5YN/A
EPS Q2Q%64.9%
EPS Next Y27.27%
EPS Next 2Y25.23%
EPS Next 3Y17.29%
EPS Next 5YN/A
Revenue 1Y (TTM)31.7%
Revenue growth 3Y14.05%
Revenue growth 5Y16.62%
Sales Q2Q%31.16%
Revenue Next Year11.72%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y79.83%
EBIT growth 3Y32.13%
EBIT growth 5Y65.06%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y298.67%
FCF growth 3Y169.87%
FCF growth 5YN/A
OCF growth 1Y343.94%
OCF growth 3Y104.29%
OCF growth 5YN/A