GENERALFINANCE SPA (GF.MI) Stock Fundamental Analysis
Europe - BIT:GF - IT0005144784 - Common Stock
20.2 EUR
-0.2 (-0.98%)
GF gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 52 industry peers in the Financial Services industry. GF scores excellent on profitability, but 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
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
The Return On Assets of GF (4.89%) is better than 73.08% of its industry peers.
GF's Return On Equity of 44.30% is amongst the best of the industry. GF outperforms 92.31% 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 65.38% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GF is significantly below the industry average of 9.75%.
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
The Profit Margin of GF (38.69%) is better than 86.54% of its industry peers.
In the last couple of years the Profit Margin of GF has grown nicely.
GF has a Operating Margin of 58.11%. This is amongst the best in the industry. GF outperforms 88.46% 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 94.23% of the companies in the same industry.
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.
Compared to 1 year ago, GF has about the same amount of shares outstanding.
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
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.
The Altman-Z score of GF (0.85) is worse than 61.54% 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.
With a Debt to FCF ratio value of 17.02, GF is not doing good in the industry: 63.46% of the companies in the same industry are doing better.
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 82.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.63 | ||
| Debt/FCF | 17.02 | ||
| Altman-Z | 0.85 |
ROIC/WACC0.76
WACC6.57%
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 92.31% 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 better Quick ratio (15.30) than 92.31% 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.
The Revenue has grown by 40.04% 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 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
Based on estimates for the next years, GF will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.72% on average per year.
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
The Price/Earnings ratio is 7.04, which indicates a rather cheap valuation of GF.
Based on the Price/Earnings ratio, GF is valued cheaper than 88.46% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.46, GF is valued rather cheaply.
A Price/Forward Earnings ratio of 8.81 indicates a reasonable valuation of GF.
76.92% of the companies in the same industry are more expensive than GF, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.39, GF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.04 | ||
| Fwd PE | 8.81 |
4.2 Price Multiples
GF's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GF is cheaper than 67.31% of the companies in the same industry.
GF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. GF is cheaper than 63.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.45 | ||
| EV/EBITDA | 9.63 |
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.
GF has an outstanding profitability rating, which may justify a higher PE ratio.
GF's earnings are expected to grow with 17.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.3
PEG (5Y)0.18
EPS Next 2Y17.92%
EPS Next 3Y17.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.11%, GF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.37, GF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, GF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.11% |
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 (11/19/2025, 9:54:33 AM)
20.2
-0.2 (-0.98%)
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 Cap255.33M
Revenue(TTM)93.87M
Net Income(TTM)36.32M
Analysts86
Price Target21.01 (4.01%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.11% |
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 | 7.04 | ||
| Fwd PE | 8.81 | ||
| P/S | 2.72 | ||
| P/FCF | 11.45 | ||
| P/OCF | 10.39 | ||
| P/B | 3.11 | ||
| P/tB | 3.25 | ||
| EV/EBITDA | 9.63 |
EPS(TTM)2.87
EY14.21%
EPS(NY)2.29
Fwd EY11.35%
FCF(TTM)1.76
FCFY8.73%
OCF(TTM)1.94
OCFY9.62%
SpS7.43
BVpS6.49
TBVpS6.21
PEG (NY)0.3
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 | 0.85 |
F-Score5
WACC6.57%
ROIC/WACC0.76
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.