GENERALFINANCE SPA (GF.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:GF - IT0005144784 - Common Stock
21.6 EUR
-0.1 (-0.46%)
We assign a fundamental rating of 7 out of 10 to GF. GF was compared to 54 industry peers in the Financial Services industry. GF has an excellent profitability rating, 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.
Each year in the past 5 years GF has been profitable.
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 (4.89%) than 75.93% of its industry peers.
GF's Return On Equity of 44.30% is amongst the best of the industry. GF outperforms 90.74% of its industry peers.
GF has a better Return On Invested Capital (5.01%) than 66.67% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GF is significantly below the industry average of 10.39%.
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
Looking at the Profit Margin, with a value of 38.69%, GF belongs to the top of the industry, outperforming 85.19% of the companies in the same industry.
In the last couple of years the Profit Margin of GF has grown nicely.
The Operating Margin of GF (58.11%) is better than 87.04% of its industry peers.
In the last couple of years the Operating Margin of GF has grown nicely.
GF's Gross Margin of 90.12% is amongst the best of the industry. GF outperforms 94.44% of its industry peers.
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
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.
GF has about the same amout of shares outstanding than it did 5 years ago.
Compared to 1 year ago, GF has a worse debt to assets ratio.
2.2 Solvency
GF has an Altman-Z score of 0.86. This is a bad value and indicates that GF is not financially healthy and even has some risk of bankruptcy.
GF has a worse Altman-Z score (0.86) than 61.11% 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.
GF has a worse Debt to FCF ratio (17.02) than 62.96% 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.
GF has a worse Debt to Equity ratio (4.63) than 81.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.63 | ||
| Debt/FCF | 17.02 | ||
| Altman-Z | 0.86 |
ROIC/WACC0.76
WACC6.64%
2.3 Liquidity
A Current Ratio of 15.30 indicates that GF has no problem at all paying its short term obligations.
GF has a better Current ratio (15.30) than 92.59% 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 92.59% 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.
GF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 38.19% yearly.
Looking at the last year, GF shows a very strong growth in Revenue. The Revenue has grown by 40.04%.
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 19.13% on average over the next years. This is quite good.
GF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.06% yearly.
EPS Next Y29.69%
EPS Next 2Y20.03%
EPS Next 3Y19.13%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.53 indicates a rather cheap valuation of GF.
85.19% of the companies in the same industry are more expensive than GF, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.54. GF is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 9.10, the valuation of GF can be described as reasonable.
GF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GF is cheaper than 70.37% 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 23.78.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.53 | ||
| Fwd PE | 9.1 |
4.2 Price Multiples
64.81% of the companies in the same industry are more expensive than GF, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GF indicates a somewhat cheap valuation: GF is cheaper than 62.96% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.24 | ||
| EV/EBITDA | 9.9 |
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 19.13% in the coming years.
PEG (NY)0.25
PEG (5Y)0.2
EPS Next 2Y20.03%
EPS Next 3Y19.13%
5. Dividend
5.1 Amount
GF has a Yearly Dividend Yield of 4.01%, which is a nice return.
Compared to an average industry Dividend Yield of 3.26, GF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.27, GF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.01% |
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 2Y20.03%
EPS Next 3Y19.13%
BIT:GF (12/11/2025, 7:00:00 PM)
21.6
-0.1 (-0.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners16.92%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap273.02M
Revenue(TTM)93.87M
Net Income(TTM)36.32M
Analysts86
Price Target23 (6.48%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.01% |
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)9.47%
PT rev (3m)26.33%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)4.8%
EPS NY rev (3m)9.5%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)10.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.53 | ||
| Fwd PE | 9.1 | ||
| P/S | 2.91 | ||
| P/FCF | 12.24 | ||
| P/OCF | 11.11 | ||
| P/B | 3.33 | ||
| P/tB | 3.48 | ||
| EV/EBITDA | 9.9 |
EPS(TTM)2.87
EY13.29%
EPS(NY)2.37
Fwd EY10.99%
FCF(TTM)1.76
FCFY8.17%
OCF(TTM)1.94
OCFY9%
SpS7.43
BVpS6.49
TBVpS6.21
PEG (NY)0.25
PEG (5Y)0.2
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 | 0.86 |
F-Score5
WACC6.64%
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 Y29.69%
EPS Next 2Y20.03%
EPS Next 3Y19.13%
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 29.69% in the next year.