Logo image of FTC.MI

FINANZA TECH SPA (FTC.MI) Stock Fundamental Analysis

BIT:FTC - Euronext Milan - IT0005475162 - Common Stock - Currency: EUR

0.508  -0.04 (-7.64%)

Fundamental Rating

2

FTC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 0 industry peers in the Unkown industry. FTC may be in some trouble as it scores bad on both profitability and health. FTC does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

In the past year FTC has reported negative net income.
In the past year FTC has reported a negative cash flow from operations.
FTC had positive earnings in each of the past 5 years.
In multiple years FTC reported negative operating cash flow during the last 5 years.
FTC.MI Yearly Net Income VS EBIT VS OCF VS FCFFTC.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 1M -1M -2M -3M

1.2 Ratios

Industry RankSector Rank
ROA -1.54%
ROE -2.85%
ROIC N/A
ROA(3y)2.74%
ROA(5y)8.64%
ROE(3y)4.73%
ROE(5y)21.53%
ROIC(3y)N/A
ROIC(5y)N/A
FTC.MI Yearly ROA, ROE, ROICFTC.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 20 40 60 80 100

1.3 Margins

FTC's Profit Margin has declined in the last couple of years.
In the last couple of years the Operating Margin of FTC has declined.
In the last couple of years the Gross Margin of FTC has grown nicely.
FTC does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 62.23%
OM growth 3Y-30.61%
OM growth 5Y-23.37%
PM growth 3Y-55.46%
PM growth 5Y-31.44%
GM growth 3Y6.64%
GM growth 5Y20.1%
FTC.MI Yearly Profit, Operating, Gross MarginsFTC.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 20 40 60 80 100

More info and screens

2

2. Health

2.1 Basic Checks

FTC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FTC remains at a similar level compared to 1 year ago.
Compared to 5 years ago, FTC has more shares outstanding
Compared to 1 year ago, FTC has a worse debt to assets ratio.
FTC.MI Yearly Shares OutstandingFTC.MI Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M 10M
FTC.MI Yearly Total Debt VS Total AssetsFTC.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 5M 10M 15M

2.2 Solvency

FTC has an Altman-Z score of 1.92. This is not the best score and indicates that FTC is in the grey zone with still only limited risk for bankruptcy at the moment.
FTC has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF N/A
Altman-Z 1.92
ROIC/WACCN/A
WACC8.9%
FTC.MI Yearly LT Debt VS Equity VS FCFFTC.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 0 2M -2M 4M 6M

2.3 Liquidity

FTC has a Current Ratio of 1.91. This is a normal value and indicates that FTC is financially healthy and should not expect problems in meeting its short term obligations.
A Quick Ratio of 1.91 indicates that FTC should not have too much problems paying its short term obligations.
Industry RankSector Rank
Current Ratio 1.91
Quick Ratio 1.91
FTC.MI Yearly Current Assets VS Current LiabilitesFTC.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M 10M

More info and screens

3

3. Growth

3.1 Past

FTC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -128.31%.
The Earnings Per Share has been growing by 14.12% on average over the past years. This is quite good.
FTC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -29.71%.
FTC shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 67.52% yearly.
EPS 1Y (TTM)-128.31%
EPS 3Y-2.88%
EPS 5Y14.12%
EPS Q2Q%-96.81%
Revenue 1Y (TTM)-29.71%
Revenue growth 3Y120.37%
Revenue growth 5Y67.52%
Sales Q2Q%-47.91%

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.
FTC.MI Yearly Revenue VS EstimatesFTC.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M
FTC.MI Yearly EPS VS EstimatesFTC.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023

More info and screens

0

4. Valuation

4.1 Price/Earnings Ratio

FTC reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
FTC.MI Price Earnings VS Forward Price EarningsFTC.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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA 9.32
FTC.MI Per share dataFTC.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.2 0.4

4.3 Compensation for Growth

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

More info and screens

0

5. Dividend

5.1 Amount

No dividends for FTC!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

FINANZA TECH SPA

BIT:FTC (3/7/2025, 7:00:00 PM)

0.508

-0.04 (-7.64%)

Chartmill FA Rating
GICS SectorN/A
GICS IndustryGroupN/A
GICS IndustryN/A
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap6.77M
Analysts80
Price Target2.35 (362.6%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
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)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 1.03
P/FCF N/A
P/OCF N/A
P/B 0.93
P/tB 1.78
EV/EBITDA 9.32
EPS(TTM)-0.02
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.06
FCFYN/A
OCF(TTM)-0.05
OCFYN/A
SpS0.49
BVpS0.55
TBVpS0.29
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.54%
ROE -2.85%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 62.23%
FCFM N/A
ROA(3y)2.74%
ROA(5y)8.64%
ROE(3y)4.73%
ROE(5y)21.53%
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)6.17%
ROCE(5y)21.15%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-30.61%
OM growth 5Y-23.37%
PM growth 3Y-55.46%
PM growth 5Y-31.44%
GM growth 3Y6.64%
GM growth 5Y20.1%
F-Score3
Asset Turnover0.48
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF N/A
Debt/EBITDA 1.04
Cap/Depr 12.66%
Cap/Sales 1.79%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.91
Quick Ratio 1.91
Altman-Z 1.92
F-Score3
WACC8.9%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)58.03%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-128.31%
EPS 3Y-2.88%
EPS 5Y14.12%
EPS Q2Q%-96.81%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-29.71%
Revenue growth 3Y120.37%
Revenue growth 5Y67.52%
Sales Q2Q%-47.91%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-102.49%
EBIT growth 3Y52.91%
EBIT growth 5Y28.38%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y82.32%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y40.57%
OCF growth 3YN/A
OCF growth 5YN/A