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DIRECTA SIM SPA (D.MI) Stock Fundamental Analysis

Europe - BIT:D - IT0001463063 - Common Stock

5.02 EUR
-0.1 (-1.95%)
Last: 10/14/2025, 7:00:00 PM
Fundamental Rating

7

We assign a fundamental rating of 7 out of 10 to D. D was compared to 115 industry peers in the Capital Markets industry. D scores excellent on profitability, but there are some minor concerns on its financial health. D may be a bit undervalued, certainly considering the very reasonable score on growth With these ratings, D could be worth investigating further for value investing!.


Dividend Valuation Growth Profitability Health

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8

1. Profitability

1.1 Basic Checks

D had positive earnings in the past year.
D had a positive operating cash flow in the past year.
D had positive earnings in 4 of the past 5 years.
Of the past 5 years D 4 years had a positive operating cash flow.
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

With an excellent Return On Assets value of 9.66%, D belongs to the best of the industry, outperforming 88.70% of the companies in the same industry.
Looking at the Return On Equity, with a value of 27.04%, D belongs to the top of the industry, outperforming 91.30% of the companies in the same industry.
D has a better Return On Invested Capital (11.89%) than 87.83% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for D is in line with the industry average of 8.60%.
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

D's Profit Margin of 28.15% is fine compared to the rest of the industry. D outperforms 76.52% of its industry peers.
D's Profit Margin has improved in the last couple of years.
D's Operating Margin of 46.40% is amongst the best of the industry. D outperforms 84.35% of its industry peers.
D's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 85.71%, D belongs to the top of the industry, outperforming 85.22% of the companies in the same industry.
D's Gross Margin has improved in the last couple of years.
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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6

2. Health

2.1 Basic Checks

Compared to 1 year ago, D has more shares outstanding
D has more shares outstanding than it did 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 2.11. 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's Altman-Z score of 2.11 is fine compared to the rest of the industry. D outperforms 66.09% of its industry peers.
D has a debt to FCF ratio of 3.15. This is a good value and a sign of high solvency as D would need 3.15 years to pay back of all of its debts.
D has a better Debt to FCF ratio (3.15) than 76.52% of its industry peers.
A Debt/Equity ratio of 1.64 is on the high side and indicates that D has dependencies on debt financing.
D has a Debt to Equity ratio (1.64) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 1.64
Debt/FCF 3.15
Altman-Z 2.11
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

A Current Ratio of 2.72 indicates that D has no problem at all paying its short term obligations.
D has a Current ratio of 2.72. This is amongst the best in the industry. D outperforms 85.22% of its industry peers.
A Quick Ratio of 2.72 indicates that D has no problem at all paying its short term obligations.
D's Quick ratio of 2.72 is amongst the best of the industry. D outperforms 86.09% 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

The Earnings Per Share has grown by an impressive 80.52% over the past year.
D shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 43.41% yearly.
Looking at the last year, D shows a very strong growth in Revenue. The Revenue has grown by 31.70%.
D shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.62% yearly.
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

D is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.29% yearly.
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

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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

A Price/Earnings ratio of 8.51 indicates a reasonable valuation of D.
D's Price/Earnings ratio is rather cheap when compared to the industry. D is cheaper than 90.43% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.55, D is valued rather cheaply.
D is valuated cheaply with a Price/Forward Earnings ratio of 7.13.
D's Price/Forward Earnings ratio is rather cheap when compared to the industry. D is cheaper than 98.26% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.04, D is valued rather cheaply.
Industry RankSector Rank
PE 8.51
Fwd PE 7.13
D.MI Price Earnings VS Forward Price EarningsD.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

93.91% 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 4.39
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

D's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The excellent profitability rating of D 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)0.31
PEG (5Y)N/A
EPS Next 2Y25.23%
EPS Next 3Y17.29%

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6

5. Dividend

5.1 Amount

D has a Yearly Dividend Yield of 5.75%, which is a nice return.
D's Dividend Yield is rather good when compared to the industry average which is at 5.63. D pays more dividend than 86.09% of the companies in the same industry.
D's Dividend Yield is rather good when compared to the S&P500 average which is at 2.43.
Industry RankSector Rank
Dividend Yield 5.75%

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 (10/14/2025, 7:00:00 PM)

5.02

-0.1 (-1.95%)

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 Cap94.12M
Analysts82.86
Price Target7.65 (52.39%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.75%
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 8.51
Fwd PE 7.13
P/S 2.38
P/FCF 4.39
P/OCF 4.06
P/B 2.29
P/tB 2.43
EV/EBITDA N/A
EPS(TTM)0.59
EY11.75%
EPS(NY)0.7
Fwd EY14.02%
FCF(TTM)1.14
FCFY22.76%
OCF(TTM)1.24
OCFY24.61%
SpS2.11
BVpS2.2
TBVpS2.07
PEG (NY)0.31
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 2.11
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