GENERALFINANCE SPA (GF.MI) Stock Fundamental Analysis
Europe - BIT:GF - IT0005144784 - Common Stock
19.65 EUR
+0.4 (+2.08%)
We assign a fundamental rating of 7 out of 10 to GF. GF was compared to 50 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. An interesting combination arises when we look at growth and value: GF is growing strongly while it also seems undervalued.
1. Profitability
1.1 Basic Checks
In the past year GF was profitable.
GF had a positive operating cash flow in the past year.
In the past 5 years GF has always been profitable.
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 74.00% of the companies in the same industry.
GF has a better Return On Equity (44.30%) than 94.00% of its industry peers.
With a decent Return On Invested Capital value of 5.01%, GF is doing good in the industry, outperforming 66.00% of the companies in the same industry.
GF had an Average Return On Invested Capital over the past 3 years of 3.03%. This is significantly below the industry average of 8.73%.
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
GF's Profit Margin of 38.69% is amongst the best of the industry. GF outperforms 88.00% of its industry peers.
GF's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 58.11%, GF belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
GF's Operating Margin has improved in the last couple of years.
GF has a better Gross Margin (90.12%) than 94.00% 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
GF has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
GF has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, GF has about the same amount of shares outstanding.
The debt/assets ratio for GF is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.83, we must say that GF is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of GF (0.83) is worse than 62.00% of its industry peers.
GF has a debt to FCF ratio of 17.02. This is a negative value and a sign of low solvency as GF would need 17.02 years to pay back of 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 68.00% of its industry peers.
GF has a Debt/Equity ratio of 4.63. This is a high value indicating a heavy dependency on external financing.
GF's Debt to Equity ratio of 4.63 is on the low side compared to the rest of the industry. GF is outperformed by 84.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.63 | ||
| Debt/FCF | 17.02 | ||
| Altman-Z | 0.83 |
ROIC/WACC0.74
WACC6.75%
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 92.00% of its industry peers.
A Quick Ratio of 15.30 indicates that GF has no problem at all paying its short term obligations.
GF has a Quick ratio of 15.30. This is amongst the best in the industry. GF outperforms 92.00% 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 17.72% 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 18.98% on average per year.
EPS Next Y23.75%
EPS Next 2Y17.92%
EPS Next 3Y17.72%
EPS Next 5YN/A
Revenue Next Year17.03%
Revenue Next 2Y18.91%
Revenue Next 3Y18.98%
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
With a Price/Earnings ratio of 6.85, the valuation of GF can be described as very cheap.
GF's Price/Earnings ratio is rather cheap when compared to the industry. GF is cheaper than 88.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of GF to the average of the S&P500 Index (26.83), we can say GF is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.57, the valuation of GF can be described as reasonable.
Based on the Price/Forward Earnings ratio, GF is valued cheaply inside the industry as 82.00% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of GF to the average of the S&P500 Index (22.82), we can say GF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.85 | ||
| Fwd PE | 8.57 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GF indicates a somewhat cheap valuation: GF is cheaper than 66.00% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, GF is valued a bit cheaper than the industry average as 70.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.14 | ||
| EV/EBITDA | 9.37 |
4.3 Compensation for Growth
The 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.
GF's earnings are expected to grow with 17.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.29
PEG (5Y)0.18
EPS Next 2Y17.92%
EPS Next 3Y17.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.21%, GF is a good candidate for dividend investing.
GF's Dividend Yield is a higher than the industry average which is at 3.62.
Compared to an average S&P500 Dividend Yield of 2.34, GF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.21% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
28.88% of the earnings are spent on dividend by GF. This is a low number and sustainable payout ratio.
DP28.88%
EPS Next 2Y17.92%
EPS Next 3Y17.72%
BIT:GF (10/24/2025, 3:48:43 PM)
19.65
+0.4 (+2.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners15.67%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap248.38M
Revenue(TTM)93.87M
Net Income(TTM)36.32M
Analysts86
Price Target21.01 (6.92%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.21% |
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)0%
PT rev (3m)15.41%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)4.49%
EPS NY rev (3m)9.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.85 | ||
| Fwd PE | 8.57 | ||
| P/S | 2.65 | ||
| P/FCF | 11.14 | ||
| P/OCF | 10.11 | ||
| P/B | 3.03 | ||
| P/tB | 3.16 | ||
| EV/EBITDA | 9.37 |
EPS(TTM)2.87
EY14.61%
EPS(NY)2.29
Fwd EY11.66%
FCF(TTM)1.76
FCFY8.98%
OCF(TTM)1.94
OCFY9.89%
SpS7.43
BVpS6.49
TBVpS6.21
PEG (NY)0.29
PEG (5Y)0.18
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 | 0.83 |
F-Score5
WACC6.75%
ROIC/WACC0.74
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 Y23.75%
EPS Next 2Y17.92%
EPS Next 3Y17.72%
EPS Next 5YN/A
Revenue 1Y (TTM)40.04%
Revenue growth 3Y25.63%
Revenue growth 5Y29%
Sales Q2Q%47.74%
Revenue Next Year17.03%
Revenue Next 2Y18.91%
Revenue Next 3Y18.98%
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 23.75% in the next year.