GENERALFINANCE SPA (GF.MI) Stock Fundamental Analysis

BIT:GF • IT0005144784

25.4 EUR
-0.4 (-1.55%)
Last: Feb 13, 2026, 03:31 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

7

We assign a fundamental rating of 7 out of 10 to GF. GF was compared to 57 industry peers in the Financial Services industry. While GF belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. GF is growing strongly while it also seems undervalued. This is an interesting combination Finally GF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • In the past year GF was profitable.
  • 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.
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 0 20M 40M 60M 80M 100M

1.2 Ratios

  • GF has a better Return On Assets (4.89%) than 76.27% of its industry peers.
  • GF's Return On Equity of 44.30% is amongst the best of the industry. GF outperforms 91.53% of its industry peers.
  • With a decent Return On Invested Capital value of 5.01%, GF is doing good in the industry, outperforming 67.80% of the companies in the same industry.
  • GF had an Average Return On Invested Capital over the past 3 years of 3.03%. This is significantly below the industry average of 8.99%.
  • The 3 year average ROIC (3.03%) for GF is below the current ROIC(5.01%), indicating increased profibility in the last year.
Industry RankSector 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%
GF.MI Yearly ROA, ROE, ROICGF.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

  • The Profit Margin of GF (38.69%) is better than 83.05% of its industry peers.
  • GF's Profit Margin has improved in the last couple of years.
  • GF has a Operating Margin of 58.11%. This is amongst the best in the industry. GF outperforms 88.14% of its industry peers.
  • GF's Operating Margin has improved in the last couple of years.
  • The Gross Margin of GF (90.12%) is better than 94.92% of its industry peers.
  • GF's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
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 20 40 60 80

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4

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.
  • Compared to 5 years ago, GF has about the same amount of shares outstanding.
  • GF has a worse debt/assets ratio than last year.
GF.MI Yearly Shares OutstandingGF.MI Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 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 200M 400M 600M

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 in line with its industry, outperforming 49.15% 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.
  • Looking at the Debt to FCF ratio, with a value of 17.02, GF is doing worse than 61.02% of the companies in the same industry.
  • A Debt/Equity ratio of 4.63 is on the high side and indicates that GF has dependencies on debt financing.
  • GF's Debt to Equity ratio of 4.63 is on the low side compared to the rest of the industry. GF is outperformed by 83.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.63
Debt/FCF 17.02
Altman-Z 0.9
ROIC/WACC0.74
WACC6.77%
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 0 100M 200M 300M

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 94.92% of its industry peers.
  • GF has a Quick Ratio of 15.30. This indicates that GF is financially healthy and has no problem in meeting its short term obligations.
  • The Quick ratio of GF (15.30) is better than 94.92% of its industry peers.
Industry RankSector Rank
Current Ratio 15.3
Quick Ratio 15.3
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 20M 40M 60M 80M 100M

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9

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.
  • 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 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 22.07% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 18.06% on average over the next years. This is quite good.
EPS Next Y40.62%
EPS Next 2Y20.8%
EPS Next 3Y18.83%
EPS Next 5Y22.07%
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.
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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7

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.85, which indicates a very decent valuation of GF.
  • Based on the Price/Earnings ratio, GF is valued a bit cheaper than 72.88% of the companies in the same industry.
  • GF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.68.
  • The Price/Forward Earnings ratio is 10.56, which indicates a very decent valuation of GF.
  • 62.71% of the companies in the same industry are more expensive than GF, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. GF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.85
Fwd PE 10.56
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

  • Based on the Enterprise Value to EBITDA ratio, GF is valued a bit cheaper than the industry average as 61.02% of the companies are valued more expensively.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as GF.
Industry RankSector Rank
P/FCF 14.4
EV/EBITDA 10.75
GF.MI Per share dataGF.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

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.
  • The excellent profitability rating of GF may justify a higher PE ratio.
  • GF's earnings are expected to grow with 18.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.22
PEG (5Y)0.23
EPS Next 2Y20.8%
EPS Next 3Y18.83%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 5.27%, GF is a good candidate for dividend investing.
  • GF's Dividend Yield is rather good when compared to the industry average which is at 2.27. GF pays more dividend than 84.75% of the companies in the same industry.
  • GF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 5.27%

5.2 History

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

5.3 Sustainability

  • GF pays out 28.88% of its income as dividend. This is a sustainable payout ratio.
DP28.88%
EPS Next 2Y20.8%
EPS Next 3Y18.83%
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 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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GENERALFINANCE SPA

BIT:GF (2/13/2026, 3:31:05 PM)

25.4

-0.4 (-1.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners17.35%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap321.06M
Revenue(TTM)93.87M
Net Income(TTM)36.32M
Analysts86
Price Target23 (-9.45%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.27%
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)9.47%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)13.64%
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 8.85
Fwd PE 10.56
P/S 3.42
P/FCF 14.4
P/OCF 13.07
P/B 3.92
P/tB 4.09
EV/EBITDA 10.75
EPS(TTM)2.87
EY11.3%
EPS(NY)2.41
Fwd EY9.47%
FCF(TTM)1.76
FCFY6.95%
OCF(TTM)1.94
OCFY7.65%
SpS7.43
BVpS6.49
TBVpS6.21
PEG (NY)0.22
PEG (5Y)0.23
Graham Number20.46
Profitability
Industry RankSector 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 RankSector 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 0.9
F-Score5
WACC6.77%
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 Y40.62%
EPS Next 2Y20.8%
EPS Next 3Y18.83%
EPS Next 5Y22.07%
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

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 7 / 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 40.62% in the next year.


Is the dividend of GENERALFINANCE SPA sustainable?

The dividend rating of GENERALFINANCE SPA (GF.MI) is 7 / 10 and the dividend payout ratio is 28.88%.