GF Fundamental Analysis - GENERALFINANCE SPA

Fundamental Rating

GF gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 46 industry peers in the Financial Services industry. GF scores excellent on profitability, but there are some minor concerns on its financial health. An interesting combination arises when we look at growth and value: GF is growing strongly while it also seems undervalued.

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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.

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.

1.2 Ratios

GF has a better Return On Assets (4.71%) than 67.39% of its industry peers.

GF has a Return On Equity of 37.43%. This is amongst the best in the industry. GF outperforms 86.96% of its industry peers.

GF's Return On Invested Capital of 4.88% is in line compared to the rest of the industry. GF outperforms 56.52% 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 10.06%.

The last Return On Invested Capital (4.88%) for GF is above the 3 year average (3.03%), which is a sign of increasing profitability.

		Industry Rank	Sector Rank
ROA	4.71%
ROE	37.43%
ROIC	4.88%

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

Looking at the Profit Margin, with a value of 38.58%, GF belongs to the top of the industry, outperforming 80.43% of the companies in the same industry.

In the last couple of years the Profit Margin of GF has grown nicely.

GF has a better Operating Margin (57.99%) than 84.78% of its industry peers.

GF's Operating Margin has improved in the last couple of years.

Looking at the Gross Margin, with a value of 90.85%, GF belongs to the top of the industry, outperforming 89.13% 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	57.99%
PM (TTM)	38.58%
GM	90.85%

OM growth 3Y4.07%

OM growth 5Y5.84%

PM growth 3Y4.03%

PM growth 5Y7.12%

GM growth 3Y0.97%

GM growth 5Y0.16%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GF is destroying value.

GF has about the same amout of shares outstanding than it did 1 year ago.

Compared to 5 years ago, GF has about the same amount of shares outstanding.

The debt/assets ratio for GF is higher compared to a year ago.

2.2 Solvency

GF has an Altman-Z score of 0.90. 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 0.90, GF is doing worse than 63.04% of the companies in the same industry.

The Debt to FCF ratio of GF is 20.16, which is on the high side as it means it would take GF, 20.16 years of fcf income to pay off all of its debts.

GF has a worse Debt to FCF ratio (20.16) than 71.74% of its industry peers.

GF has a Debt/Equity ratio of 3.46. This is a high value indicating a heavy dependency on external financing.

GF has a Debt to Equity ratio of 3.46. This is amonst the worse of the industry: GF underperforms 84.78% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.46
Debt/FCF	20.16
Altman-Z	0.9

ROIC/WACC0.75

WACC6.47%

2.3 Liquidity

A Current Ratio of 8.75 indicates that GF has no problem at all paying its short term obligations.

With an excellent Current ratio value of 8.75, GF belongs to the best of the industry, outperforming 89.13% of the companies in the same industry.

A Quick Ratio of 8.75 indicates that GF has no problem at all paying its short term obligations.

GF has a Quick ratio of 8.75. This is amongst the best in the industry. GF outperforms 89.13% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	8.75
Quick Ratio	8.75

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 33.73% 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

The Revenue has grown by 32.64% 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)33.73%

EPS 3Y30.68%

EPS 5Y38.19%

EPS Q2Q%8.37%

Revenue 1Y (TTM)32.64%

Revenue growth 3Y25.63%

Revenue growth 5Y29%

Sales Q2Q%41.4%

3.2 Future

The Earnings Per Share is expected to grow by 16.81% on average over the next years. This is quite good.

The Revenue is expected to grow by 18.98% on average over the next years. This is quite good.

EPS Next Y18.44%

EPS Next 2Y16.32%

EPS Next 3Y16.81%

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.

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.91, the valuation of GF can be described as very cheap.

76.09% 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 (27.20), we can say GF is valued rather cheaply.

The Price/Forward Earnings ratio is 8.97, which indicates a very decent valuation of GF.

Based on the Price/Forward Earnings ratio, GF is valued a bit cheaper than 76.09% 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 22.70.

		Industry Rank	Sector Rank
PE	7.91
Fwd PE	8.97

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, GF is valued a bit cheaper than the industry average as 60.87% of the companies are valued more expensively.

GF's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	17.24
EV/EBITDA	8.74

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 a very decent profitability rating, which may justify a higher PE ratio.

GF's earnings are expected to grow with 16.81% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.43

PEG (5Y)0.21

EPS Next 2Y16.32%

EPS Next 3Y16.81%

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5. Dividend

5.1 Amount

GF has a Yearly Dividend Yield of 4.13%, which is a nice return.

Compared to an average industry Dividend Yield of 3.73, 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 2.38.

		Industry Rank	Sector Rank
Dividend Yield	4.13%

5.2 History

Dividend Growth(5Y)N/A

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

GF pays out 23.31% of its income as dividend. This is a sustainable payout ratio.

DP23.31%

EPS Next 2Y16.32%

EPS Next 3Y16.81%

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GENERALFINANCE SPA

BIT:GF (9/17/2025, 1:22:07 PM)

-0.1 (-0.5%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)N/A N/A

Earnings (Next)N/A N/A

Inst Owners15.61%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap252.80M

Analysts86

Price Target21.01 (5.05%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.13%

Yearly Dividend0.59

Dividend Growth(5Y)N/A

DP23.31%

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)15.41%

PT rev (3m)15.41%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)4.7%

EPS NY rev (3m)4.7%

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	7.91
Fwd PE	8.97
P/S	3.05
P/FCF	17.24
P/OCF	14.18
P/B	2.96
P/tB	3.08
EV/EBITDA	8.74

EPS(TTM)2.53

EY12.65%

EPS(NY)2.23

Fwd EY11.15%

FCF(TTM)1.16

FCFY5.8%

OCF(TTM)1.41

OCFY7.05%

SpS6.56

BVpS6.76

TBVpS6.5

PEG (NY)0.43

PEG (5Y)0.21

Profitability

		Industry Rank	Sector Rank
ROA	4.71%
ROE	37.43%
ROCE	7.21%
ROIC	4.88%
ROICexc	5.88%
ROICexgc	6%
OM	57.99%
PM (TTM)	38.58%
GM	90.85%
FCFM	17.69%

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%

ROICexcg growth 3Y6.06%

ROICexcg 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-Score4

Asset Turnover0.12

Health

		Industry Rank	Sector Rank
Debt/Equity	3.46
Debt/FCF	20.16
Debt/EBITDA	5.94
Cap/Depr	185.31%
Cap/Sales	3.81%
Interest Coverage	250
Cash Conversion	35.8%
Profit Quality	45.85%
Current Ratio	8.75
Quick Ratio	8.75
Altman-Z	0.9

F-Score4

WACC6.47%

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)33.73%

EPS 3Y30.68%

EPS 5Y38.19%

EPS Q2Q%8.37%

EPS Next Y18.44%

EPS Next 2Y16.32%

EPS Next 3Y16.81%

EPS Next 5YN/A

Revenue 1Y (TTM)32.64%

Revenue growth 3Y25.63%

Revenue growth 5Y29%

Sales Q2Q%41.4%

Revenue Next Year17.03%

Revenue Next 2Y18.91%

Revenue Next 3Y18.98%

Revenue Next 5YN/A

EBIT growth 1Y31.68%

EBIT growth 3Y30.75%

EBIT growth 5Y36.54%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y749.98%

FCF growth 3Y125.88%

FCF growth 5Y49.06%

OCF growth 1Y814.31%

OCF growth 3Y116.86%

OCF growth 5Y48.62%

GENERALFINANCE SPA (GF.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens