GENERALFINANCE SPA (GF.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:GF - IT0005144784 - Common Stock
20.8 EUR
-0.05 (-0.24%)
We assign a fundamental rating of 7 out of 10 to GF. GF was compared to 53 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 evaluated to be cheap and growing strongly. This does not happen too often!
1. Profitability
1.1 Basic Checks
GF had positive earnings in the past year.
GF had a positive operating cash flow in the past year.
In the past 5 years GF has always been profitable.
In multiple years GF reported negative operating cash flow during the last 5 years.
1.2 Ratios
GF's Return On Assets of 4.89% is fine compared to the rest of the industry. GF outperforms 77.36% of its industry peers.
GF has a Return On Equity of 44.30%. This is amongst the best in the industry. GF outperforms 94.34% of its industry peers.
GF has a Return On Invested Capital of 5.01%. This is in the better half of the industry: GF outperforms 67.92% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GF is significantly below the industry average of 8.63%.
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 88.68% of the companies in the same industry.
In the last couple of years the Profit Margin of GF has grown nicely.
GF's Operating Margin of 58.11% is amongst the best of the industry. GF outperforms 90.57% of its industry peers.
In the last couple of years the Operating Margin of GF has grown nicely.
GF has a better Gross Margin (90.12%) than 94.34% 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
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.
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.
2.2 Solvency
GF has an Altman-Z score of 0.85. 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 0.85, GF is doing worse than 60.38% 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.
Looking at the Debt to FCF ratio, with a value of 17.02, GF is doing worse than 62.26% of the companies in the same industry.
A Debt/Equity ratio of 4.63 is on the high side and indicates that GF has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 4.63, GF is doing worse than 81.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.63 | ||
| Debt/FCF | 17.02 | ||
| Altman-Z | 0.85 |
ROIC/WACC0.78
WACC6.47%
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.
GF has a better Current ratio (15.30) than 92.45% 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 92.45% 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.
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.
Looking at the last year, GF shows a very strong growth in Revenue. The Revenue has grown by 40.04%.
GF shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 29.00% yearly.
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
GF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.72% yearly.
The Revenue is expected to grow by 18.06% on average over the next years. This is quite good.
EPS Next Y23.75%
EPS Next 2Y17.92%
EPS Next 3Y17.72%
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
With a Price/Earnings ratio of 7.25, the valuation of GF can be described as very cheap.
84.91% of the companies in the same industry are more expensive than GF, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of GF to the average of the S&P500 Index (26.46), we can say GF is valued rather cheaply.
A Price/Forward Earnings ratio of 9.08 indicates a reasonable valuation of GF.
GF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GF is cheaper than 71.70% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.10. GF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.25 | ||
| Fwd PE | 9.08 |
4.2 Price Multiples
GF's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GF is cheaper than 62.26% of the companies in the same industry.
60.38% of the companies in the same industry are more expensive than GF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.79 | ||
| EV/EBITDA | 9.72 |
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.
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 17.72% in the coming years.
PEG (NY)0.31
PEG (5Y)0.19
EPS Next 2Y17.92%
EPS Next 3Y17.72%
5. Dividend
5.1 Amount
GF has a Yearly Dividend Yield of 4.03%, which is a nice return.
GF's Dividend Yield is a higher than the industry average which is at 3.41.
GF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.03% |
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 2Y17.92%
EPS Next 3Y17.72%
BIT:GF (12/3/2025, 7:00:00 PM)
20.8
-0.05 (-0.24%)
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 Cap262.91M
Revenue(TTM)93.87M
Net Income(TTM)36.32M
Analysts86
Price Target23 (10.58%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.03% |
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)0%
EPS NY rev (3m)4.49%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)10.84%
Revenue NY rev (3m)10.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.25 | ||
| Fwd PE | 9.08 | ||
| P/S | 2.8 | ||
| P/FCF | 11.79 | ||
| P/OCF | 10.7 | ||
| P/B | 3.21 | ||
| P/tB | 3.35 | ||
| EV/EBITDA | 9.72 |
EPS(TTM)2.87
EY13.8%
EPS(NY)2.29
Fwd EY11.02%
FCF(TTM)1.76
FCFY8.48%
OCF(TTM)1.94
OCFY9.35%
SpS7.43
BVpS6.49
TBVpS6.21
PEG (NY)0.31
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 | 0.85 |
F-Score5
WACC6.47%
ROIC/WACC0.78
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 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 23.75% in the next year.