GENERALFINANCE SPA (GF.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:GF - IT0005144784 - Common Stock
21.2 EUR
+1.2 (+6%)
Overall GF gets a fundamental rating of 7 out of 10. We evaluated GF against 59 industry peers in the Financial Services industry. While GF has a great profitability rating, there are some minor concerns on its financial health. GF is growing strongly while it also seems undervalued. This is an interesting combination
1. Profitability
1.1 Basic Checks
In the past year GF was profitable.
In the past year GF had a positive cash flow from operations.
GF had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: GF reported negative operating cash flow in multiple years.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.89%, GF is in the better half of the industry, outperforming 76.27% of the companies in the same industry.
With an excellent Return On Equity value of 44.30%, GF belongs to the best of the industry, outperforming 91.53% of the companies in the same industry.
The Return On Invested Capital of GF (5.01%) is better than 66.10% 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 9.75%.
The last Return On Invested Capital (5.01%) for GF is above the 3 year average (3.03%), which is a sign of increasing profitability.
| 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
With an excellent Profit Margin value of 38.69%, GF belongs to the best of the industry, outperforming 86.44% of the companies in the same industry.
GF's Profit Margin has improved in the last couple of years.
GF has a Operating Margin of 58.11%. This is amongst the best in the industry. GF outperforms 88.14% of its industry peers.
GF's Operating Margin has improved in the last couple of years.
GF has a better Gross Margin (90.12%) than 94.92% of its industry peers.
GF's Gross Margin has been stable in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GF is destroying value.
The number of shares outstanding for GF remains at a similar level compared to 1 year ago.
Compared to 5 years ago, GF has about the same amount of shares outstanding.
GF has a worse debt/assets ratio than last year.
2.2 Solvency
GF has an Altman-Z score of 0.84. This is a bad value and indicates that GF is not financially healthy and even has some risk of bankruptcy.
GF's Altman-Z score of 0.84 is in line compared to the rest of the industry. GF outperforms 42.37% of its industry peers.
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.
With a Debt to FCF ratio value of 17.02, GF is not doing good in the industry: 61.02% of the companies in the same industry are doing better.
GF has a Debt/Equity ratio of 4.63. This is a high value indicating a heavy dependency on external financing.
GF has a worse Debt to Equity ratio (4.63) than 83.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.63 | ||
| Debt/FCF | 17.02 | ||
| Altman-Z | 0.84 |
ROIC/WACC0.77
WACC6.54%
2.3 Liquidity
A Current Ratio of 15.30 indicates that GF has no problem at all paying its short term obligations.
GF has a Current ratio of 15.30. This is amongst the best in the industry. GF outperforms 93.22% of its industry peers.
A Quick Ratio of 15.30 indicates that GF has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 15.30, GF belongs to the best of the industry, outperforming 93.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 15.3 | ||
| Quick Ratio | 15.3 |
3. Growth
3.1 Past
GF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 44.12%, which is quite impressive.
Measured over the past years, GF shows a very strong growth in Earnings Per Share. The EPS has been growing by 38.19% on average per year.
GF shows a strong growth in Revenue. In the last year, the Revenue has grown by 40.04%.
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
Based on estimates for the next years, GF will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.13% on average per year.
The Revenue is expected to grow by 18.06% on average over the next years. This is quite good.
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
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.
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
With a Price/Earnings ratio of 7.39, the valuation of GF can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of GF indicates a rather cheap valuation: GF is cheaper than 88.14% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.39, GF is valued rather cheaply.
The Price/Forward Earnings ratio is 8.93, which indicates a very decent valuation of GF.
GF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GF is cheaper than 74.58% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.84. GF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.39 | ||
| Fwd PE | 8.93 |
4.2 Price Multiples
64.41% of the companies in the same industry are more expensive than GF, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, GF is valued a bit cheaper than the industry average as 67.80% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.02 | ||
| EV/EBITDA | 9.54 |
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.
GF has an outstanding profitability rating, which 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)0.19
EPS Next 2Y20.03%
EPS Next 3Y19.13%
5. Dividend
5.1 Amount
GF has a Yearly Dividend Yield of 3.88%. Purely for dividend investing, there may be better candidates out there.
GF's Dividend Yield is a higher than the industry average which is at 2.01.
Compared to an average S&P500 Dividend Yield of 1.87, GF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.88% |
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 (12/22/2025, 2:51:06 PM)
21.2
+1.2 (+6%)
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 Cap267.97M
Revenue(TTM)93.87M
Net Income(TTM)36.32M
Analysts86
Price Target23 (8.49%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.88% |
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)9.47%
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 | 7.39 | ||
| Fwd PE | 8.93 | ||
| P/S | 2.85 | ||
| P/FCF | 12.02 | ||
| P/OCF | 10.91 | ||
| P/B | 3.27 | ||
| P/tB | 3.41 | ||
| EV/EBITDA | 9.54 |
EPS(TTM)2.87
EY13.54%
EPS(NY)2.37
Fwd EY11.2%
FCF(TTM)1.76
FCFY8.32%
OCF(TTM)1.94
OCFY9.17%
SpS7.43
BVpS6.49
TBVpS6.21
PEG (NY)0.25
PEG (5Y)0.19
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 | 0.84 |
F-Score5
WACC6.54%
ROIC/WACC0.77
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.