GENERALFINANCE SPA (GF.MI) Fundamental Analysis & Valuation

BIT:GF • IT0005144784

Current stock price

26.85 EUR
0 (0%)
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.
  • 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.
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 has a Return On Assets of 5.02%. This is in the better half of the industry: GF outperforms 75.86% of its industry peers.
  • GF has a Return On Equity of 43.47%. This is amongst the best in the industry. GF outperforms 91.38% of its industry peers.
  • GF has a better Return On Invested Capital (5.09%) than 65.52% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for GF is significantly below the industry average of 10.88%.
  • The 3 year average ROIC (3.22%) for GF is below the current ROIC(5.09%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 5.02%
ROE 43.47%
ROIC 5.09%
ROA(3y)3.06%
ROA(5y)2.84%
ROE(3y)26.09%
ROE(5y)25.4%
ROIC(3y)3.22%
ROIC(5y)3.03%
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 better Profit Margin (38.80%) than 81.03% of its industry peers.
  • GF's Profit Margin has improved in the last couple of years.
  • With an excellent Operating Margin value of 58.27%, GF belongs to the best of the industry, outperforming 87.93% 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 90.33%. This is amongst the best in the industry. GF outperforms 94.83% 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 58.27%
PM (TTM) 38.8%
GM 90.33%
OM growth 3Y5.14%
OM growth 5Y4.77%
PM growth 3Y7.72%
PM growth 5Y6.79%
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

  • GF has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for GF remains at a similar level compared to 1 year ago.
  • GF has about the same amout of shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, GF has a worse debt to assets ratio.
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

  • GF has an Altman-Z score of 0.99. This is a bad value and indicates that GF is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of GF (0.99) is comparable to the rest of the industry.
  • GF has a debt to FCF ratio of 13.19. This is a negative value and a sign of low solvency as GF would need 13.19 years to pay back of all of its debts.
  • GF has a Debt to FCF ratio (13.19) which is in line with its industry peers.
  • GF has a Debt/Equity ratio of 5.26. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 5.26, GF is not doing good in the industry: 82.76% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 5.26
Debt/FCF 13.19
Altman-Z 0.99
ROIC/WACC0.78
WACC6.51%
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 200M 400M 600M

2.3 Liquidity

  • A Current Ratio of 13.67 indicates that GF has no problem at all paying its short term obligations.
  • GF's Current ratio of 13.67 is amongst the best of the industry. GF outperforms 94.83% of its industry peers.
  • A Quick Ratio of 13.67 indicates that GF has no problem at all paying its short term obligations.
  • With an excellent Quick ratio value of 13.67, GF belongs to the best of the industry, outperforming 94.83% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 13.67
Quick Ratio 13.67
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

  • GF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.26%, which is quite impressive.
  • The Earnings Per Share has been growing by 40.10% on average over the past years. This is a very strong growth
  • The Revenue has grown by 41.25% in the past year. This is a very strong growth!
  • GF shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 31.19% yearly.
EPS 1Y (TTM)35.26%
EPS 3Y38.24%
EPS 5Y40.1%
EPS Q2Q%25.32%
Revenue 1Y (TTM)41.25%
Revenue growth 3Y28.34%
Revenue growth 5Y31.19%
Sales Q2Q%28.7%

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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8

4. GF.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.94, the valuation of GF can be described as very cheap.
  • 79.31% of the companies in the same industry are more expensive than GF, based on the Price/Earnings ratio.
  • GF is valuated cheaply when we compare the Price/Earnings ratio to 25.61, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 10.43 indicates a reasonable valuation of GF.
  • Based on the Price/Forward Earnings ratio, GF is valued a bit cheaper than the industry average as 68.97% of the companies are valued more expensively.
  • GF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.79.
Industry RankSector Rank
PE 7.94
Fwd PE 10.43
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 indicates a somewhat cheap valuation: GF is cheaper than 62.07% of the companies listed in the same industry.
  • GF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. GF is cheaper than 74.14% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.39
EV/EBITDA 11.01
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.
  • GF's earnings are expected to grow with 16.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.71
PEG (5Y)0.2
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

  • GF has a Yearly Dividend Yield of 5.17%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.44, GF pays a bit more dividend than its industry peers.
  • GF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 5.17%

5.2 History

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

5.3 Sustainability

  • GF pays out 26.63% of its income as dividend. This is a sustainable payout ratio.
DP26.63%
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 (3/26/2026, 12:27:07 PM)

26.85

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners16.7%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap339.38M
Revenue(TTM)110.31M
Net Income(TTM)39.38M
Analysts86
Price Target28.66 (6.74%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.17%
Yearly Dividend0.59
Dividend Growth(5Y)N/A
DP26.63%
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)24.61%
PT rev (3m)24.61%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)7.07%
EPS NY rev (3m)8.46%
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 7.94
Fwd PE 10.43
P/S 3.34
P/FCF 9.39
P/OCF 9.02
P/B 3.75
P/tB 3.9
EV/EBITDA 11.01
EPS(TTM)3.38
EY12.59%
EPS(NY)2.58
Fwd EY9.59%
FCF(TTM)2.86
FCFY10.65%
OCF(TTM)2.98
OCFY11.08%
SpS8.03
BVpS7.17
TBVpS6.89
PEG (NY)0.71
PEG (5Y)0.2
Graham Number23.35
Profitability
Industry RankSector Rank
ROA 5.02%
ROE 43.47%
ROCE 7.65%
ROIC 5.09%
ROICexc 6.26%
ROICexgc 6.48%
OM 58.27%
PM (TTM) 38.8%
GM 90.33%
FCFM 35.61%
ROA(3y)3.06%
ROA(5y)2.84%
ROE(3y)26.09%
ROE(5y)25.4%
ROIC(3y)3.22%
ROIC(5y)3.03%
ROICexc(3y)3.68%
ROICexc(5y)3.42%
ROICexgc(3y)3.75%
ROICexgc(5y)3.47%
ROCE(3y)4.85%
ROCE(5y)4.55%
ROICexgc growth 3Y11.35%
ROICexgc growth 5Y7.75%
ROICexc growth 3Y10.17%
ROICexc growth 5Y7.02%
OM growth 3Y5.14%
OM growth 5Y4.77%
PM growth 3Y7.72%
PM growth 5Y6.79%
GM growth 3Y0.78%
GM growth 5Y-0.07%
F-Score5
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 5.26
Debt/FCF 13.19
Debt/EBITDA 7.82
Cap/Depr 80.43%
Cap/Sales 1.45%
Interest Coverage 250
Cash Conversion 61.68%
Profit Quality 91.77%
Current Ratio 13.67
Quick Ratio 13.67
Altman-Z 0.99
F-Score5
WACC6.51%
ROIC/WACC0.78
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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)41.25%
Revenue growth 3Y28.34%
Revenue growth 5Y31.19%
Sales Q2Q%28.7%
Revenue Next Year12.55%
Revenue Next 2Y12.63%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y43.26%
EBIT growth 3Y34.93%
EBIT growth 5Y37.45%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-21.64%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-23.24%
OCF growth 3YN/A
OCF growth 5YN/A

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 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 expected EPS growth for GENERALFINANCE SPA (GF.MI) stock?

The Earnings per Share (EPS) of GENERALFINANCE SPA (GF.MI) is expected to grow by 11.11% in the next year.


Is the dividend of GENERALFINANCE SPA sustainable?

The dividend rating of GENERALFINANCE SPA (GF.MI) is 6 / 10 and the dividend payout ratio is 26.63%.