GENERALFINANCE SPA (GF.MI) Stock Fundamental Analysis
Europe - BIT:GF - IT0005144784 - Common Stock
19.7 EUR
+0.2 (+1.03%)
Taking everything into account, GF scores 7 out of 10 in our fundamental rating. GF was compared to 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 has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare 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.
Each year in the past 5 years GF has 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 72.00% of its industry peers.
GF has a Return On Equity of 44.30%. This is amongst the best in the industry. GF outperforms 92.00% of its industry peers.
GF's Return On Invested Capital of 5.01% is fine compared to the rest of the industry. GF outperforms 64.00% of its industry peers.
GF had an Average Return On Invested Capital over the past 3 years of 3.03%. This is significantly below the industry average of 9.85%.
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
GF has a Profit Margin of 38.69%. This is amongst the best in the industry. GF outperforms 86.00% of its industry peers.
GF's Profit Margin has improved in the last couple of years.
With an excellent Operating Margin value of 58.11%, GF belongs to the best of the industry, outperforming 88.00% of the companies in the same industry.
GF's Operating Margin has improved in the last couple of years.
GF's Gross Margin of 90.12% is amongst the best of the industry. GF outperforms 94.00% 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
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.
GF has a worse debt/assets ratio than last year.
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.
The Altman-Z score of GF (0.84) is worse than 64.00% of its industry peers.
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.
Looking at the Debt to FCF ratio, with a value of 17.02, GF is doing worse than 68.00% of the companies in the same industry.
GF has a Debt/Equity ratio of 4.63. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of GF (4.63) is worse than 86.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.63 | ||
| Debt/FCF | 17.02 | ||
| Altman-Z | 0.84 |
ROIC/WACC0.75
WACC6.71%
2.3 Liquidity
A Current Ratio of 15.30 indicates that GF has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 15.30, GF belongs to the top 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.
The Quick ratio of GF (15.30) is better than 92.00% 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.
The Earnings Per Share has been growing by 38.19% on average over the past years. This is a very strong growth
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
The Earnings Per Share is expected to grow by 17.72% 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 18.98% on average per year.
EPS Next Y23.75%
EPS Next 2Y17.92%
EPS Next 3Y17.72%
EPS Next 5YN/A
Revenue Next Year17.03%
Revenue Next 2Y18.91%
Revenue Next 3Y18.98%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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 6.86.
Based on the Price/Earnings ratio, GF is valued cheaper than 88.00% of the companies in the same industry.
GF is valuated cheaply when we compare the Price/Earnings ratio to 25.67, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.60, which indicates a very decent valuation of GF.
80.00% of the companies in the same industry are more expensive than GF, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of GF to the average of the S&P500 Index (31.86), we can say GF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.86 | ||
| Fwd PE | 8.6 |
4.2 Price Multiples
GF's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GF is cheaper than 66.00% of the companies in the same industry.
70.00% 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 | 11.17 | ||
| EV/EBITDA | 9.43 |
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
With a Yearly Dividend Yield of 4.30%, GF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.30, GF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, GF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.3% |
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 (11/6/2025, 7:00:00 PM)
19.7
+0.2 (+1.03%)
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 Cap249.01M
Revenue(TTM)93.87M
Net Income(TTM)36.32M
Analysts86
Price Target21.01 (6.65%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.3% |
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)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.86 | ||
| Fwd PE | 8.6 | ||
| P/S | 2.65 | ||
| P/FCF | 11.17 | ||
| P/OCF | 10.13 | ||
| P/B | 3.04 | ||
| P/tB | 3.17 | ||
| EV/EBITDA | 9.43 |
EPS(TTM)2.87
EY14.57%
EPS(NY)2.29
Fwd EY11.63%
FCF(TTM)1.76
FCFY8.96%
OCF(TTM)1.94
OCFY9.87%
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
WACC6.71%
ROIC/WACC0.75
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 Year17.03%
Revenue Next 2Y18.91%
Revenue Next 3Y18.98%
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.