GENERALFINANCE SPA (GF.MI) Stock Fundamental Analysis
Europe - BIT:GF - IT0005144784 - Common Stock
19.6 EUR
-0.2 (-1.01%)
GF gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 50 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 growing strongly while it also seems undervalued. This is an interesting combination
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
Looking at the Return On Assets, with a value of 4.89%, GF is in the better half of the industry, outperforming 72.00% of the companies in the same industry.
The Return On Equity of GF (44.30%) is better than 92.00% of its industry peers.
With a decent Return On Invested Capital value of 5.01%, GF is doing good in the industry, outperforming 64.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for GF is significantly below the industry average of 9.72%.
The last Return On Invested Capital (5.01%) for GF is above the 3 year average (3.03%), which is a sign of increasing profitability.
| 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 86.00% of the companies in the same industry.
GF's Profit Margin has improved in the last couple of years.
The Operating Margin of GF (58.11%) is better than 88.00% of its industry peers.
In the last couple of years the Operating Margin of GF has grown nicely.
Looking at the Gross Margin, with a value of 90.12%, GF belongs to the top of the industry, outperforming 94.00% of the companies in the same industry.
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
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.
GF has about the same amout of shares outstanding than it did 5 years ago.
The debt/assets ratio for GF is higher compared to a year ago.
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.
Looking at the Altman-Z score, with a value of 0.84, GF is doing worse than 62.00% 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.
GF's Debt to FCF ratio of 17.02 is on the low side compared to the rest of the industry. GF is outperformed by 66.00% 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.
With a Debt to Equity ratio value of 4.63, GF is not doing good in the industry: 84.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.63 | ||
| Debt/FCF | 17.02 | ||
| Altman-Z | 0.84 |
ROIC/WACC0.74
WACC6.8%
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.
With an excellent Current ratio value of 15.30, GF belongs to the best of the industry, outperforming 92.00% of the companies in the same industry.
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
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.
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.
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.
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
GF is valuated cheaply with a Price/Earnings ratio of 6.83.
Compared to the rest of the industry, the Price/Earnings ratio of GF indicates a rather cheap valuation: GF is cheaper than 88.00% of the companies listed in the same industry.
GF is valuated cheaply when we compare the Price/Earnings ratio to 25.91, which is the current average of the S&P500 Index.
GF is valuated reasonably with a Price/Forward Earnings ratio of 8.55.
Based on the Price/Forward Earnings ratio, GF is valued a bit cheaper than 76.00% of the companies in the same industry.
GF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.83 | ||
| Fwd PE | 8.55 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GF is valued a bit cheaper than the industry average as 68.00% of the companies are valued more expensively.
GF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. GF is cheaper than 70.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.11 | ||
| EV/EBITDA | 9.45 |
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 17.72% in the coming years.
PEG (NY)0.29
PEG (5Y)0.18
EPS Next 2Y17.92%
EPS Next 3Y17.72%
5. Dividend
5.1 Amount
GF has a Yearly Dividend Yield of 4.21%, which is a nice return.
Compared to an average industry Dividend Yield of 3.47, GF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, 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 (11/12/2025, 3:15:19 PM)
19.6
-0.2 (-1.01%)
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 Cap247.74M
Revenue(TTM)93.87M
Net Income(TTM)36.32M
Analysts86
Price Target21.01 (7.19%)
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)0%
EPS NY rev (3m)9.39%
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 | 6.83 | ||
| Fwd PE | 8.55 | ||
| P/S | 2.64 | ||
| P/FCF | 11.11 | ||
| P/OCF | 10.08 | ||
| P/B | 3.02 | ||
| P/tB | 3.15 | ||
| EV/EBITDA | 9.45 |
EPS(TTM)2.87
EY14.64%
EPS(NY)2.29
Fwd EY11.69%
FCF(TTM)1.76
FCFY9%
OCF(TTM)1.94
OCFY9.92%
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 | 0.84 |
F-Score5
WACC6.8%
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 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.