GENERALFINANCE SPA (GF.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:GF - IT0005144784 - Common Stock
20 EUR
-1.6 (-7.41%)
Overall GF gets a fundamental rating of 7 out of 10. We evaluated GF against 57 industry peers in the Financial Services industry. While GF has a great profitability rating, 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.
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
GF has a Return On Assets of 4.89%. This is in the better half of the industry: GF outperforms 71.93% of its industry peers.
GF's Return On Equity of 44.30% is amongst the best of the industry. GF outperforms 89.47% of its industry peers.
GF's Return On Invested Capital of 5.01% is fine compared to the rest of the industry. GF outperforms 61.40% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GF is significantly below the industry average of 11.23%.
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
With an excellent Profit Margin value of 38.69%, GF belongs to the best of the industry, outperforming 85.96% of the companies in the same industry.
In the last couple of years the Profit Margin of GF has grown nicely.
With an excellent Operating Margin value of 58.11%, GF belongs to the best of the industry, outperforming 87.72% of the companies in the same industry.
GF's Operating Margin has improved in the last couple of years.
GF has a Gross Margin of 90.12%. This is amongst the best in the industry. GF outperforms 94.74% 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.
GF has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for GF remains at a similar level compared to 5 years ago.
Compared to 1 year ago, GF has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.84, we must say that GF is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.84, GF is not doing good in the industry: 61.40% of the companies in the same industry are doing better.
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 worse Debt to FCF ratio (17.02) than 64.91% 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's Debt to Equity ratio of 4.63 is on the low side compared to the rest of the industry. GF is outperformed by 84.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.63 | ||
| Debt/FCF | 17.02 | ||
| Altman-Z | 0.84 |
ROIC/WACC0.71
WACC7.06%
2.3 Liquidity
A Current Ratio of 15.30 indicates that GF has no problem at all paying its short term obligations.
GF's Current ratio of 15.30 is amongst the best of the industry. GF outperforms 92.98% 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 92.98% of its industry peers.
| 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.
GF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 38.19% yearly.
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
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
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.
4. Valuation
4.1 Price/Earnings Ratio
GF is valuated cheaply with a Price/Earnings ratio of 6.97.
GF's Price/Earnings ratio is rather cheap when compared to the industry. GF is cheaper than 87.72% of the companies in the same industry.
GF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.43.
A Price/Forward Earnings ratio of 8.42 indicates a reasonable valuation of GF.
Based on the Price/Forward Earnings ratio, GF is valued a bit cheaper than 75.44% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.66. GF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.97 | ||
| Fwd PE | 8.42 |
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 64.91% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, GF is valued a bit cheaper than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.34 | ||
| 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.
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)0.23
PEG (5Y)0.18
EPS Next 2Y20.03%
EPS Next 3Y19.13%
5. Dividend
5.1 Amount
GF has a Yearly Dividend Yield of 3.84%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 1.97, GF pays a better dividend. On top of this GF pays more dividend than 80.70% of the companies listed in the same industry.
GF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.84% |
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 2Y20.03%
EPS Next 3Y19.13%
BIT:GF (12/15/2025, 3:53:21 PM)
20
-1.6 (-7.41%)
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 Cap252.80M
Revenue(TTM)93.87M
Net Income(TTM)36.32M
Analysts86
Price Target23 (15%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.84% |
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 | 6.97 | ||
| Fwd PE | 8.42 | ||
| P/S | 2.69 | ||
| P/FCF | 11.34 | ||
| P/OCF | 10.29 | ||
| P/B | 3.08 | ||
| P/tB | 3.22 | ||
| EV/EBITDA | 9.54 |
EPS(TTM)2.87
EY14.35%
EPS(NY)2.37
Fwd EY11.87%
FCF(TTM)1.76
FCFY8.82%
OCF(TTM)1.94
OCFY9.72%
SpS7.43
BVpS6.49
TBVpS6.21
PEG (NY)0.23
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 | 0.84 |
F-Score5
WACC7.06%
ROIC/WACC0.71
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.