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FIRST CAPITAL SPA (FIC.MI) Stock Fundamental Analysis

BIT:FIC - Euronext Milan - IT0005252736 - Common Stock - Currency: EUR

16.9  +0.8 (+4.97%)

Fundamental Rating

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Taking everything into account, FIC scores 1 out of 10 in our fundamental rating. FIC was compared to 102 industry peers in the Capital Markets industry. Both the profitability and financial health of FIC have multiple concerns. FIC has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

In the past year FIC has reported negative net income.
In the past year FIC had a positive cash flow from operations.
Of the past 5 years FIC 4 years were profitable.
The reported operating cash flow has been mixed in the past 5 years: FIC reported negative operating cash flow in multiple years.
FIC.MI Yearly Net Income VS EBIT VS OCF VS FCFFIC.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10M -10M 20M

1.2 Ratios

The Return On Assets of FIC (-0.34%) is worse than 82.61% of its industry peers.
With a Return On Equity value of -0.48%, FIC is not doing good in the industry: 81.16% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -0.34%
ROE -0.48%
ROIC N/A
ROA(3y)5.14%
ROA(5y)8.28%
ROE(3y)7.5%
ROE(5y)12.72%
ROIC(3y)N/A
ROIC(5y)N/A
FIC.MI Yearly ROA, ROE, ROICFIC.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 -10 20 30

1.3 Margins

FIC's Profit Margin has declined in the last couple of years.
FIC does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.01%
PM growth 5Y-31.29%
GM growth 3YN/A
GM growth 5YN/A
FIC.MI Yearly Profit, Operating, Gross MarginsFIC.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 50 100 150 200 250

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2. Health

2.1 Basic Checks

FIC has more shares outstanding than it did 1 year ago.
The number of shares outstanding for FIC has been increased compared to 5 years ago.
Compared to 1 year ago, FIC has an improved debt to assets ratio.
FIC.MI Yearly Shares OutstandingFIC.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 500K 1M 1.5M 2M 2.5M
FIC.MI Yearly Total Debt VS Total AssetsFIC.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M

2.2 Solvency

FIC has a debt to FCF ratio of 8.81. This is a slightly negative value and a sign of low solvency as FIC would need 8.81 years to pay back of all of its debts.
The Debt to FCF ratio of FIC (8.81) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.33 indicates that FIC is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.33, FIC is in line with its industry, outperforming 56.52% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 8.81
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
FIC.MI Yearly LT Debt VS Equity VS FCFFIC.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20M 40M 60M 80M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FIC.MI Yearly Current Assets VS Current LiabilitesFIC.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2019 2020 2021 2022 2023 200K 400K 600K 800K 1M

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3. Growth

3.1 Past

FIC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 75.74%, which is quite impressive.
Measured over the past years, FIC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -33.51% on average per year.
Looking at the last year, FIC shows a very strong growth in Revenue. The Revenue has grown by 260.09%.
Measured over the past years, FIC shows a very negative growth in Revenue. The Revenue has been decreasing by -16.45% on average per year.
EPS 1Y (TTM)75.74%
EPS 3Y-33.51%
EPS 5YN/A
EPS Q2Q%-107.49%
Revenue 1Y (TTM)260.09%
Revenue growth 3Y-16.45%
Revenue growth 5YN/A
Sales Q2Q%-257.3%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
FIC.MI Yearly Revenue VS EstimatesFIC.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10M 20M 30M
FIC.MI Yearly EPS VS EstimatesFIC.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for FIC. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
FIC.MI Price Earnings VS Forward Price EarningsFIC.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

73.91% of the companies in the same industry are more expensive than FIC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 18.26
EV/EBITDA N/A
FIC.MI Per share dataFIC.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.11%, FIC has a reasonable but not impressive dividend return.
FIC's Dividend Yield is comparable with the industry average which is at 6.34.
Compared to an average S&P500 Dividend Yield of 2.33, FIC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.11%

5.2 History

The dividend of FIC is nicely growing with an annual growth rate of 7.53%!
Dividend Growth(5Y)7.53%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

The earnings of FIC are negative and hence is the payout ratio. FIC will probably not be able to sustain this dividend level.
DP-381.15%
EPS Next 2YN/A
EPS Next 3YN/A
FIC.MI Yearly Income VS Free CF VS DividendFIC.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10M -10M 20M

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FIRST CAPITAL SPA

BIT:FIC (3/6/2025, 7:00:00 PM)

16.9

+0.8 (+4.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners1.64%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap49.85M
Analysts83.33
Price Target28 (65.68%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.11%
Yearly Dividend1.12
Dividend Growth(5Y)7.53%
DP-381.15%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)4.77%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 11.42
P/FCF 18.26
P/OCF 15.34
P/B 0.68
P/tB 0.68
EV/EBITDA N/A
EPS(TTM)-0.12
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.93
FCFY5.48%
OCF(TTM)1.1
OCFY6.52%
SpS1.48
BVpS25.01
TBVpS24.94
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.34%
ROE -0.48%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 62.53%
ROA(3y)5.14%
ROA(5y)8.28%
ROE(3y)7.5%
ROE(5y)12.72%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.01%
PM growth 5Y-31.29%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 8.81
Debt/EBITDA N/A
Cap/Depr 347.66%
Cap/Sales 11.93%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)137.46%
Cap/Depr(5y)170.92%
Cap/Sales(3y)2.34%
Cap/Sales(5y)1.94%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)75.74%
EPS 3Y-33.51%
EPS 5YN/A
EPS Q2Q%-107.49%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)260.09%
Revenue growth 3Y-16.45%
Revenue growth 5YN/A
Sales Q2Q%-257.3%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y121.28%
FCF growth 3Y113.01%
FCF growth 5YN/A
OCF growth 1Y125.37%
OCF growth 3Y114.31%
OCF growth 5YN/A