GENERALFINANCE SPA (GF.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:GF - IT0005144784 - Common Stock
21.6 EUR
-0.1 (-0.46%)
Taking everything into account, GF scores 7 out of 10 in our fundamental rating. GF was compared to 54 industry peers in the Financial Services industry. While GF belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. GF has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
1. Profitability
1.1 Basic Checks
GF had positive earnings in the past year.
In the past year GF had a positive cash flow from operations.
GF had positive earnings in each of the past 5 years.
In multiple years GF reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of GF (4.89%) is better than 75.93% of its industry peers.
Looking at the Return On Equity, with a value of 44.30%, GF belongs to the top of the industry, outperforming 90.74% of the companies in the same industry.
GF's Return On Invested Capital of 5.01% is fine compared to the rest of the industry. GF outperforms 66.67% of its industry peers.
GF had an Average Return On Invested Capital over the past 3 years of 3.03%. This is significantly below the industry average of 10.39%.
The 3 year average ROIC (3.03%) for GF is below the current ROIC(5.01%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.89% | ||
| ROE | 44.3% | ||
| ROIC | 5.01% |
ROA(3y)2.74%
ROA(5y)2.67%
ROE(3y)22.73%
ROE(5y)24.28%
ROIC(3y)3.03%
ROIC(5y)2.96%
1.3 Margins
Looking at the Profit Margin, with a value of 38.69%, GF belongs to the top of the industry, outperforming 85.19% of the companies in the same industry.
GF's Profit Margin has improved in the last couple of years.
GF's Operating Margin of 58.11% is amongst the best of the industry. GF outperforms 87.04% of its industry peers.
GF's Operating Margin has improved in the last couple of years.
The Gross Margin of GF (90.12%) is better than 94.44% of its industry peers.
In the last couple of years the Gross Margin of GF has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 58.11% | ||
| PM (TTM) | 38.69% | ||
| GM | 90.12% |
OM growth 3Y4.07%
OM growth 5Y5.84%
PM growth 3Y4.03%
PM growth 5Y7.12%
GM growth 3Y0.97%
GM growth 5Y0.16%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GF is destroying value.
Compared to 1 year ago, GF has about the same amount of shares outstanding.
Compared to 5 years ago, GF has about the same amount of shares outstanding.
Compared to 1 year ago, GF has a worse debt to assets ratio.
2.2 Solvency
GF has an Altman-Z score of 0.86. This is a bad value and indicates that GF is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.86, GF is doing worse than 61.11% of the companies in the same industry.
The Debt to FCF ratio of GF is 17.02, which is on the high side as it means it would take GF, 17.02 years of fcf income to pay off all of its debts.
GF has a Debt to FCF ratio of 17.02. This is in the lower half of the industry: GF underperforms 62.96% of its industry peers.
A Debt/Equity ratio of 4.63 is on the high side and indicates that GF has dependencies on debt financing.
GF has a worse Debt to Equity ratio (4.63) than 81.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.63 | ||
| Debt/FCF | 17.02 | ||
| Altman-Z | 0.86 |
ROIC/WACC0.76
WACC6.64%
2.3 Liquidity
GF has a Current Ratio of 15.30. This indicates that GF is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of GF (15.30) is better than 92.59% of its industry peers.
A Quick Ratio of 15.30 indicates that GF has no problem at all paying its short term obligations.
The Quick ratio of GF (15.30) is better than 92.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 15.3 | ||
| Quick Ratio | 15.3 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 44.12% over the past year.
GF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 38.19% yearly.
The Revenue has grown by 40.04% in the past year. This is a very strong growth!
Measured over the past years, GF shows a very strong growth in Revenue. The Revenue has been growing by 29.00% on average per year.
EPS 1Y (TTM)44.12%
EPS 3Y30.68%
EPS 5Y38.19%
EPS Q2Q%54.31%
Revenue 1Y (TTM)40.04%
Revenue growth 3Y25.63%
Revenue growth 5Y29%
Sales Q2Q%47.74%
3.2 Future
The Earnings Per Share is expected to grow by 19.13% on average over the next years. This is quite good.
Based on estimates for the next years, GF will show a quite strong growth in Revenue. The Revenue will grow by 18.06% on average per year.
EPS Next Y29.69%
EPS Next 2Y20.03%
EPS Next 3Y19.13%
EPS Next 5YN/A
Revenue Next Year29.72%
Revenue Next 2Y20.83%
Revenue Next 3Y18.06%
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
GF is valuated cheaply with a Price/Earnings ratio of 7.53.
Based on the Price/Earnings ratio, GF is valued cheaply inside the industry as 85.19% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.54. GF is valued rather cheaply when compared to this.
GF is valuated reasonably with a Price/Forward Earnings ratio of 9.10.
Based on the Price/Forward Earnings ratio, GF is valued a bit cheaper than 70.37% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of GF to the average of the S&P500 Index (23.78), we can say GF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.53 | ||
| Fwd PE | 9.1 |
4.2 Price Multiples
GF's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GF is cheaper than 64.81% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, GF is valued a bit cheaper than the industry average as 62.96% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.24 | ||
| EV/EBITDA | 9.9 |
4.3 Compensation for Growth
GF'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 GF may justify a higher PE ratio.
A more expensive valuation may be justified as GF's earnings are expected to grow with 19.13% in the coming years.
PEG (NY)0.25
PEG (5Y)0.2
EPS Next 2Y20.03%
EPS Next 3Y19.13%
5. Dividend
5.1 Amount
GF has a Yearly Dividend Yield of 4.01%, which is a nice return.
GF's Dividend Yield is a higher than the industry average which is at 3.26.
GF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.01% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
GF pays out 28.88% of its income as dividend. This is a sustainable payout ratio.
DP28.88%
EPS Next 2Y20.03%
EPS Next 3Y19.13%
BIT:GF (12/11/2025, 7:00:00 PM)
21.6
-0.1 (-0.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners16.92%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap273.02M
Revenue(TTM)93.87M
Net Income(TTM)36.32M
Analysts86
Price Target23 (6.48%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.01% |
Yearly Dividend0.59
Dividend Growth(5Y)N/A
DP28.88%
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)9.47%
PT rev (3m)26.33%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)4.8%
EPS NY rev (3m)9.5%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)10.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.53 | ||
| Fwd PE | 9.1 | ||
| P/S | 2.91 | ||
| P/FCF | 12.24 | ||
| P/OCF | 11.11 | ||
| P/B | 3.33 | ||
| P/tB | 3.48 | ||
| EV/EBITDA | 9.9 |
EPS(TTM)2.87
EY13.29%
EPS(NY)2.37
Fwd EY10.99%
FCF(TTM)1.76
FCFY8.17%
OCF(TTM)1.94
OCFY9%
SpS7.43
BVpS6.49
TBVpS6.21
PEG (NY)0.25
PEG (5Y)0.2
Graham Number20.46
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.89% | ||
| ROE | 44.3% | ||
| ROCE | 7.41% | ||
| ROIC | 5.01% | ||
| ROICexc | 5.76% | ||
| ROICexgc | 5.87% | ||
| OM | 58.11% | ||
| PM (TTM) | 38.69% | ||
| GM | 90.12% | ||
| FCFM | 23.76% |
ROA(3y)2.74%
ROA(5y)2.67%
ROE(3y)22.73%
ROE(5y)24.28%
ROIC(3y)3.03%
ROIC(5y)2.96%
ROICexc(3y)3.39%
ROICexc(5y)3.24%
ROICexgc(3y)3.42%
ROICexgc(5y)3.26%
ROCE(3y)4.48%
ROCE(5y)4.38%
ROICexgc growth 3Y6.06%
ROICexgc growth 5Y3.94%
ROICexc growth 3Y5.85%
ROICexc growth 5Y3.87%
OM growth 3Y4.07%
OM growth 5Y5.84%
PM growth 3Y4.03%
PM growth 5Y7.12%
GM growth 3Y0.97%
GM growth 5Y0.16%
F-Score5
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.63 | ||
| Debt/FCF | 17.02 | ||
| Debt/EBITDA | 6.74 | ||
| Cap/Depr | 129.61% | ||
| Cap/Sales | 2.42% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 43.64% | ||
| Profit Quality | 61.41% | ||
| Current Ratio | 15.3 | ||
| Quick Ratio | 15.3 | ||
| Altman-Z | 0.86 |
F-Score5
WACC6.64%
ROIC/WACC0.76
Cap/Depr(3y)128.37%
Cap/Depr(5y)131.84%
Cap/Sales(3y)3.9%
Cap/Sales(5y)4.49%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)44.12%
EPS 3Y30.68%
EPS 5Y38.19%
EPS Q2Q%54.31%
EPS Next Y29.69%
EPS Next 2Y20.03%
EPS Next 3Y19.13%
EPS Next 5YN/A
Revenue 1Y (TTM)40.04%
Revenue growth 3Y25.63%
Revenue growth 5Y29%
Sales Q2Q%47.74%
Revenue Next Year29.72%
Revenue Next 2Y20.83%
Revenue Next 3Y18.06%
Revenue Next 5YN/A
EBIT growth 1Y40.88%
EBIT growth 3Y30.75%
EBIT growth 5Y36.54%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y5.4%
FCF growth 3Y125.88%
FCF growth 5Y49.06%
OCF growth 1Y10.31%
OCF growth 3Y116.86%
OCF growth 5Y48.62%
GENERALFINANCE SPA / GF.MI FAQ
What is the fundamental rating for GF stock?
ChartMill assigns a fundamental rating of 7 / 10 to GF.MI.
What is the valuation status for GF stock?
ChartMill assigns a valuation rating of 8 / 10 to GENERALFINANCE SPA (GF.MI). This can be considered as Undervalued.
How profitable is GENERALFINANCE SPA (GF.MI) stock?
GENERALFINANCE SPA (GF.MI) has a profitability rating of 8 / 10.
What is the financial health of GENERALFINANCE SPA (GF.MI) stock?
The financial health rating of GENERALFINANCE SPA (GF.MI) is 4 / 10.
What is the expected EPS growth for GENERALFINANCE SPA (GF.MI) stock?
The Earnings per Share (EPS) of GENERALFINANCE SPA (GF.MI) is expected to grow by 29.69% in the next year.