GENERALFINANCE SPA (GF.MI) Fundamental Analysis & Valuation

BIT:GF • IT0005144784

Current stock price

29.3 EUR
-0.2 (-0.68%)
Last:

This GF.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

8

1. GF.MI Profitability Analysis

1.1 Basic Checks

  • In the past year GF was profitable.
  • GF had a positive operating cash flow in the past year.
  • Each year in the past 5 years GF has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: GF reported negative operating cash flow in multiple years.
GF.MI Yearly Net Income VS EBIT VS OCF VS FCFGF.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M 80M 100M

1.2 Ratios

  • GF's Return On Assets of 5.07% is fine compared to the rest of the industry. GF outperforms 77.19% of its industry peers.
  • The Return On Equity of GF (43.41%) is better than 91.23% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 5.27%, GF is in the better half of the industry, outperforming 64.91% of the companies in the same industry.
  • GF had an Average Return On Invested Capital over the past 3 years of 3.24%. This is significantly below the industry average of 10.55%.
  • The last Return On Invested Capital (5.27%) for GF is above the 3 year average (3.24%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 5.07%
ROE 43.41%
ROIC 5.27%
ROA(3y)3.06%
ROA(5y)2.84%
ROE(3y)26.09%
ROE(5y)25.4%
ROIC(3y)3.24%
ROIC(5y)3.04%
GF.MI Yearly ROA, ROE, ROICGF.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • GF has a Profit Margin of 38.69%. This is amongst the best in the industry. GF outperforms 82.46% of its industry peers.
  • In the last couple of years the Profit Margin of GF has grown nicely.
  • GF has a Operating Margin of 58.53%. This is amongst the best in the industry. GF outperforms 89.47% of its industry peers.
  • In the last couple of years the Operating Margin of GF has grown nicely.
  • GF's Gross Margin of 91.01% is amongst the best of the industry. GF outperforms 94.74% 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 RankSector Rank
OM 58.53%
PM (TTM) 38.69%
GM 91.01%
OM growth 3Y5.18%
OM growth 5Y4.79%
PM growth 3Y7.65%
PM growth 5Y6.75%
GM growth 3Y0.78%
GM growth 5Y-0.07%
GF.MI Yearly Profit, Operating, Gross MarginsGF.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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4

2. GF.MI Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GF is destroying value.
  • The number of shares outstanding for GF remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for GF remains at a similar level compared to 5 years ago.
  • The debt/assets ratio for GF is higher compared to a year ago.
GF.MI Yearly Shares OutstandingGF.MI Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
GF.MI Yearly Total Debt VS Total AssetsGF.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.2 Solvency

  • Based on the Altman-Z score of 0.95, we must say that GF is in the distress zone and has some risk of bankruptcy.
  • GF has a worse Altman-Z score (0.95) than 61.40% of its industry peers.
  • GF has a debt to FCF ratio of 47.87. This is a negative value and a sign of low solvency as GF would need 47.87 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 47.87, GF is not doing good in the industry: 61.40% of the companies in the same industry are doing better.
  • GF has a Debt/Equity ratio of 5.21. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 5.21, GF is not doing good in the industry: 82.46% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 5.21
Debt/FCF 47.87
Altman-Z 0.95
ROIC/WACC0.8
WACC6.57%
GF.MI Yearly LT Debt VS Equity VS FCFGF.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M 400M 500M

2.3 Liquidity

  • A Current Ratio of 4.92 indicates that GF has no problem at all paying its short term obligations.
  • GF's Current ratio of 4.92 is amongst the best of the industry. GF outperforms 85.96% of its industry peers.
  • GF has a Quick Ratio of 4.92. This indicates that GF is financially healthy and has no problem in meeting its short term obligations.
  • With an excellent Quick ratio value of 4.92, GF belongs to the best of the industry, outperforming 85.96% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 4.92
Quick Ratio 4.92
GF.MI Yearly Current Assets VS Current LiabilitesGF.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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8

3. GF.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 35.26% over the past year.
  • Measured over the past years, GF shows a very strong growth in Earnings Per Share. The EPS has been growing by 40.10% on average per year.
  • GF shows a strong growth in Revenue. In the last year, the Revenue has grown by 41.34%.
  • The Revenue has been growing by 31.24% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)35.26%
EPS 3Y38.24%
EPS 5Y40.1%
EPS Q2Q%25.32%
Revenue 1Y (TTM)41.34%
Revenue growth 3Y28.41%
Revenue growth 5Y31.24%
Sales Q2Q%28.92%

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 16.42% on average per year.
  • GF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.63% yearly.
EPS Next Y11.11%
EPS Next 2Y14.41%
EPS Next 3Y16.42%
EPS Next 5YN/A
Revenue Next Year12.55%
Revenue Next 2Y12.63%
Revenue Next 3YN/A
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.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
GF.MI Yearly Revenue VS EstimatesGF.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M
GF.MI Yearly EPS VS EstimatesGF.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 2028 1 2 3

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7

4. GF.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.67, which indicates a very decent valuation of GF.
  • GF's Price/Earnings ratio is rather cheap when compared to the industry. GF is cheaper than 80.70% of the companies in the same industry.
  • GF is valuated cheaply when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
  • GF is valuated reasonably with a Price/Forward Earnings ratio of 11.38.
  • GF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GF is cheaper than 64.91% of the companies in the same industry.
  • GF is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.24, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.67
Fwd PE 11.38
GF.MI Price Earnings VS Forward Price EarningsGF.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GF is on the same level as its industry peers.
  • GF's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 34.56
EV/EBITDA 11.48
GF.MI Per share dataGF.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

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.
  • A more expensive valuation may be justified as GF's earnings are expected to grow with 16.42% in the coming years.
PEG (NY)0.78
PEG (5Y)0.22
EPS Next 2Y14.41%
EPS Next 3Y16.42%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. GF.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.53%, GF is a good candidate for dividend investing.
  • GF's Dividend Yield is a higher than the industry average which is at 2.27.
  • GF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 4.53%

5.2 History

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

5.3 Sustainability

  • GF pays out 24.56% of its income as dividend. This is a sustainable payout ratio.
DP24.56%
EPS Next 2Y14.41%
EPS Next 3Y16.42%
GF.MI Yearly Income VS Free CF VS DividendGF.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M 80M 100M
GF.MI Dividend Payout.GF.MI Dividend Payout, showing the Payout Ratio.GF.MI Dividend Payout.PayoutRetained Earnings

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GF.MI Fundamentals: All Metrics, Ratios and Statistics

GENERALFINANCE SPA

BIT:GF (4/24/2026, 7:00:00 PM)

29.3

-0.2 (-0.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners16.47%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap370.35M
Revenue(TTM)110.38M
Net Income(TTM)42.70M
Analysts86
Price Target28.66 (-2.18%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.53%
Yearly Dividend0.83
Dividend Growth(5Y)N/A
DP24.56%
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)24.61%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)7.07%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 8.67
Fwd PE 11.38
P/S 3.36
P/FCF 34.56
P/OCF 29.41
P/B 3.76
P/tB 3.91
EV/EBITDA 11.48
EPS(TTM)3.38
EY11.54%
EPS(NY)2.58
Fwd EY8.79%
FCF(TTM)0.85
FCFY2.89%
OCF(TTM)1
OCFY3.4%
SpS8.73
BVpS7.78
TBVpS7.48
PEG (NY)0.78
PEG (5Y)0.22
Graham Number24.3291 (-16.97%)
Profitability
Industry RankSector Rank
ROA 5.07%
ROE 43.41%
ROCE 7.92%
ROIC 5.27%
ROICexc 6.2%
ROICexgc 6.37%
OM 58.53%
PM (TTM) 38.69%
GM 91.01%
FCFM 9.71%
ROA(3y)3.06%
ROA(5y)2.84%
ROE(3y)26.09%
ROE(5y)25.4%
ROIC(3y)3.24%
ROIC(5y)3.04%
ROICexc(3y)3.71%
ROICexc(5y)3.44%
ROICexgc(3y)3.76%
ROICexgc(5y)3.48%
ROCE(3y)4.88%
ROCE(5y)4.57%
ROICexgc growth 3Y11.67%
ROICexgc growth 5Y7.93%
ROICexc growth 3Y10.89%
ROICexc growth 5Y7.44%
OM growth 3Y5.18%
OM growth 5Y4.79%
PM growth 3Y7.65%
PM growth 5Y6.75%
GM growth 3Y0.78%
GM growth 5Y-0.07%
F-Score5
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 5.21
Debt/FCF 47.87
Debt/EBITDA 7.71
Cap/Depr 99.03%
Cap/Sales 1.7%
Interest Coverage 250
Cash Conversion 18.93%
Profit Quality 25.09%
Current Ratio 4.92
Quick Ratio 4.92
Altman-Z 0.95
F-Score5
WACC6.57%
ROIC/WACC0.8
Cap/Depr(3y)127.94%
Cap/Depr(5y)129.4%
Cap/Sales(3y)3.72%
Cap/Sales(5y)3.99%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)35.26%
EPS 3Y38.24%
EPS 5Y40.1%
EPS Q2Q%25.32%
EPS Next Y11.11%
EPS Next 2Y14.41%
EPS Next 3Y16.42%
EPS Next 5YN/A
Revenue 1Y (TTM)41.34%
Revenue growth 3Y28.41%
Revenue growth 5Y31.24%
Sales Q2Q%28.92%
Revenue Next Year12.55%
Revenue Next 2Y12.63%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y36.11%
EBIT growth 3Y35.06%
EBIT growth 5Y37.53%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-90.1%
FCF growth 3YN/A
FCF growth 5Y2.38%
OCF growth 1Y-88.71%
OCF growth 3YN/A
OCF growth 5Y3.75%

GENERALFINANCE SPA / GF.MI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for GENERALFINANCE SPA?

ChartMill assigns a fundamental rating of 7 / 10 to GF.MI.


What is the valuation status of GENERALFINANCE SPA (GF.MI) stock?

ChartMill assigns a valuation rating of 7 / 10 to GENERALFINANCE SPA (GF.MI). This can be considered as Undervalued.


Can you provide the profitability details for GENERALFINANCE SPA?

GENERALFINANCE SPA (GF.MI) has a profitability rating of 8 / 10.


Can you provide the PE and PB ratios for GF stock?

The Price/Earnings (PE) ratio for GENERALFINANCE SPA (GF.MI) is 8.67 and the Price/Book (PB) ratio is 3.76.


How financially healthy is GENERALFINANCE SPA?

The financial health rating of GENERALFINANCE SPA (GF.MI) is 4 / 10.