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FRANCHI UMBERTO MARMI SPA (FUM.MI) Stock Fundamental Analysis

BIT:FUM - Euronext Milan - IT0005335754 - Common Stock - Currency: EUR

4.71  -0.31 (-6.18%)

Fundamental Rating

5

Taking everything into account, FUM scores 5 out of 10 in our fundamental rating. FUM was compared to 14 industry peers in the Construction Materials industry. FUM has only an average score on both its financial health and profitability. FUM is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year FUM was profitable.
FUM had a positive operating cash flow in the past year.
In the past 5 years FUM has always been profitable.
Each year in the past 5 years FUM had a positive operating cash flow.
FUM.MI Yearly Net Income VS EBIT VS OCF VS FCFFUM.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M 20M

1.2 Ratios

Looking at the Return On Assets, with a value of 6.17%, FUM is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
With a decent Return On Equity value of 10.17%, FUM is doing good in the industry, outperforming 66.67% of the companies in the same industry.
With a decent Return On Invested Capital value of 7.97%, FUM is doing good in the industry, outperforming 80.00% of the companies in the same industry.
Industry RankSector Rank
ROA 6.17%
ROE 10.17%
ROIC 7.97%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
FUM.MI Yearly ROA, ROE, ROICFUM.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20 25

1.3 Margins

Looking at the Profit Margin, with a value of 15.25%, FUM belongs to the top of the industry, outperforming 93.33% of the companies in the same industry.
In the last couple of years the Profit Margin of FUM has declined.
The Operating Margin of FUM (22.25%) is better than 93.33% of its industry peers.
FUM's Operating Margin has declined in the last couple of years.
With a Gross Margin value of 49.50%, FUM perfoms like the industry average, outperforming 46.67% of the companies in the same industry.
FUM's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 22.25%
PM (TTM) 15.25%
GM 49.5%
OM growth 3Y-17.72%
OM growth 5Y-12.38%
PM growth 3Y-6.48%
PM growth 5Y-12.61%
GM growth 3Y-0.67%
GM growth 5Y-0.71%
FUM.MI Yearly Profit, Operating, Gross MarginsFUM.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

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5

2. Health

2.1 Basic Checks

FUM has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
There is no outstanding debt for FUM. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
FUM.MI Yearly Shares OutstandingFUM.MI Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 10M 20M 30M
FUM.MI Yearly Total Debt VS Total AssetsFUM.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M

2.2 Solvency

An Altman-Z score of 2.56 indicates that FUM is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of FUM (2.56) is better than 80.00% of its industry peers.
FUM has a debt to FCF ratio of 5.77. This is a neutral value as FUM would need 5.77 years to pay back of all of its debts.
FUM has a worse Debt to FCF ratio (5.77) than 66.67% of its industry peers.
FUM has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
FUM's Debt to Equity ratio of 0.24 is fine compared to the rest of the industry. FUM outperforms 80.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 5.77
Altman-Z 2.56
ROIC/WACC1.08
WACC7.35%
FUM.MI Yearly LT Debt VS Equity VS FCFFUM.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M 100M

2.3 Liquidity

FUM has a Current Ratio of 2.51. This indicates that FUM is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 2.51, FUM belongs to the best of the industry, outperforming 93.33% of the companies in the same industry.
A Quick Ratio of 1.62 indicates that FUM should not have too much problems paying its short term obligations.
FUM has a better Quick ratio (1.62) than 86.67% of its industry peers.
Industry RankSector Rank
Current Ratio 2.51
Quick Ratio 1.62
FUM.MI Yearly Current Assets VS Current LiabilitesFUM.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M

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4

3. Growth

3.1 Past

FUM shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.27%.
Measured over the past years, FUM shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -34.58% on average per year.
FUM shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.02%.
FUM shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.24% yearly.
EPS 1Y (TTM)-24.27%
EPS 3Y0%
EPS 5Y-34.58%
EPS Q2Q%-10.72%
Revenue 1Y (TTM)10.02%
Revenue growth 3Y7.07%
Revenue growth 5Y4.24%
Sales Q2Q%13.78%

3.2 Future

FUM is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.74% yearly.
FUM is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.71% yearly.
EPS Next Y-5.06%
EPS Next 2Y1.26%
EPS Next 3Y2.74%
EPS Next 5YN/A
Revenue Next Year6.55%
Revenue Next 2Y5.64%
Revenue Next 3Y5.71%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
FUM.MI Yearly Revenue VS EstimatesFUM.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M
FUM.MI Yearly EPS VS EstimatesFUM.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 0.1 0.2 0.3 0.4 0.5

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.73, which indicates a correct valuation of FUM.
Compared to the rest of the industry, the Price/Earnings ratio of FUM is on the same level as its industry peers.
FUM is valuated cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 11.84, which indicates a very decent valuation of FUM.
FUM's Price/Forward Earnings ratio is in line with the industry average.
FUM is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.33, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.73
Fwd PE 11.84
FUM.MI Price Earnings VS Forward Price EarningsFUM.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as FUM.
80.00% of the companies in the same industry are cheaper than FUM, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 23.8
EV/EBITDA 6.81
FUM.MI Per share dataFUM.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

4.3 Compensation for Growth

The decent profitability rating of FUM may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y1.26%
EPS Next 3Y2.74%

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2

5. Dividend

5.1 Amount

FUM has a Yearly Dividend Yield of 2.16%.
FUM's Dividend Yield is slightly below the industry average, which is at 3.51.
Compared to an average S&P500 Dividend Yield of 2.35, FUM has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.16%

5.2 History

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

5.3 Sustainability

FUM pays out 43.17% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP43.17%
EPS Next 2Y1.26%
EPS Next 3Y2.74%
FUM.MI Yearly Income VS Free CF VS DividendFUM.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M 20M
FUM.MI Dividend Payout.FUM.MI Dividend Payout, showing the Payout Ratio.FUM.MI Dividend Payout.PayoutRetained Earnings

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FRANCHI UMBERTO MARMI SPA

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

4.71

-0.31 (-6.18%)

Chartmill FA Rating
GICS SectorMaterials
GICS IndustryGroupMaterials
GICS IndustryConstruction Materials
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners2.06%
Inst Owner ChangeN/A
Ins Owners10.11%
Ins Owner ChangeN/A
Market Cap154.68M
Analysts82.86
Price Target9.87 (109.55%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.16%
Yearly Dividend0.29
Dividend Growth(5Y)N/A
DP43.17%
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)-10.14%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-10.45%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.59%
Valuation
Industry RankSector Rank
PE 12.73
Fwd PE 11.84
P/S 1.96
P/FCF 23.8
P/OCF 10.01
P/B 1.3
P/tB 2.14
EV/EBITDA 6.81
EPS(TTM)0.37
EY7.86%
EPS(NY)0.4
Fwd EY8.45%
FCF(TTM)0.2
FCFY4.2%
OCF(TTM)0.47
OCFY9.99%
SpS2.41
BVpS3.61
TBVpS2.2
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 6.17%
ROE 10.17%
ROCE 11.13%
ROIC 7.97%
ROICexc 8.74%
ROICexgc 12.85%
OM 22.25%
PM (TTM) 15.25%
GM 49.5%
FCFM 8.22%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y-17.72%
OM growth 5Y-12.38%
PM growth 3Y-6.48%
PM growth 5Y-12.61%
GM growth 3Y-0.67%
GM growth 5Y-0.71%
F-Score6
Asset Turnover0.4
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 5.77
Debt/EBITDA 1.09
Cap/Depr 108.98%
Cap/Sales 11.31%
Interest Coverage 250
Cash Conversion 59.85%
Profit Quality 53.91%
Current Ratio 2.51
Quick Ratio 1.62
Altman-Z 2.56
F-Score6
WACC7.35%
ROIC/WACC1.08
Cap/Depr(3y)72.73%
Cap/Depr(5y)102.35%
Cap/Sales(3y)7.2%
Cap/Sales(5y)5.7%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-24.27%
EPS 3Y0%
EPS 5Y-34.58%
EPS Q2Q%-10.72%
EPS Next Y-5.06%
EPS Next 2Y1.26%
EPS Next 3Y2.74%
EPS Next 5YN/A
Revenue 1Y (TTM)10.02%
Revenue growth 3Y7.07%
Revenue growth 5Y4.24%
Sales Q2Q%13.78%
Revenue Next Year6.55%
Revenue Next 2Y5.64%
Revenue Next 3Y5.71%
Revenue Next 5YN/A
EBIT growth 1Y-17.59%
EBIT growth 3Y-11.91%
EBIT growth 5Y-8.66%
EBIT Next Year41.15%
EBIT Next 3Y16.51%
EBIT Next 5YN/A
FCF growth 1Y-74.47%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-43.61%
OCF growth 3Y-38.06%
OCF growth 5Y-16.36%