GENERALFINANCE SPA (GF.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:GF - IT0005144784 - Common Stock
21.2 EUR
+0.1 (+0.47%)
Taking everything into account, GF scores 7 out of 10 in our fundamental rating. GF was compared to 56 industry peers in the Financial Services industry. GF has an excellent profitability rating, but there are some minor concerns on its financial health. GF is growing strongly while it also seems undervalued. This is an interesting combination
1. Profitability
1.1 Basic Checks
In the past year GF was profitable.
In the past year GF had a positive cash flow from operations.
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 (4.89%) than 78.57% of its industry peers.
The Return On Equity of GF (44.30%) is better than 92.86% of its industry peers.
GF's Return On Invested Capital of 5.01% is fine compared to the rest of the industry. GF outperforms 69.64% 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 8.78%.
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
The Profit Margin of GF (38.69%) is better than 87.50% of its industry peers.
In the last couple of years the Profit Margin of GF has grown nicely.
With an excellent Operating Margin value of 58.11%, GF belongs to the best of the industry, outperforming 89.29% 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 94.64% 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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.
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.
GF has a Altman-Z score of 0.85. This is comparable to the rest of the industry: GF outperforms 44.64% 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.
The Debt to FCF ratio of GF (17.02) is worse than 60.71% of its industry peers.
GF has a Debt/Equity ratio of 4.63. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 4.63, GF is not doing good in the industry: 80.36% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.63 | ||
| Debt/FCF | 17.02 | ||
| Altman-Z | 0.85 |
ROIC/WACC0.75
WACC6.68%
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 Current ratio of 15.30. This is amongst the best in the industry. GF outperforms 92.86% 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 Quick ratio of 15.30. This is amongst the best in the industry. GF outperforms 92.86% 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.
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
GF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.83% yearly.
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 Y40.62%
EPS Next 2Y20.8%
EPS Next 3Y18.83%
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 7.39 indicates a rather cheap valuation of GF.
GF's Price/Earnings ratio is rather cheap when compared to the industry. GF is cheaper than 87.50% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.60, GF is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.81, the valuation of GF can be described as reasonable.
75.00% 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 (23.23), we can say GF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.39 | ||
| Fwd PE | 8.81 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GF is valued a bit cheaper than the industry average as 66.07% of the companies are valued more expensively.
GF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. GF is cheaper than 64.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.02 | ||
| EV/EBITDA | 9.78 |
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 18.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.18
PEG (5Y)0.19
EPS Next 2Y20.8%
EPS Next 3Y18.83%
5. Dividend
5.1 Amount
GF has a Yearly Dividend Yield of 3.93%. Purely for dividend investing, there may be better candidates out there.
GF's Dividend Yield is a higher than the industry average which is at 2.10.
Compared to an average S&P500 Dividend Yield of 2.00, GF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.93% |
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%
BIT:GF (1/2/2026, 7:00:00 PM)
21.2
+0.1 (+0.47%)
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 Cap267.97M
Revenue(TTM)93.87M
Net Income(TTM)36.32M
Analysts86
Price Target23 (8.49%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.93% |
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)13.64%
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)10.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.39 | ||
| Fwd PE | 8.81 | ||
| P/S | 2.85 | ||
| P/FCF | 12.02 | ||
| P/OCF | 10.91 | ||
| P/B | 3.27 | ||
| P/tB | 3.41 | ||
| EV/EBITDA | 9.78 |
EPS(TTM)2.87
EY13.54%
EPS(NY)2.41
Fwd EY11.34%
FCF(TTM)1.76
FCFY8.32%
OCF(TTM)1.94
OCFY9.17%
SpS7.43
BVpS6.49
TBVpS6.21
PEG (NY)0.18
PEG (5Y)0.19
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
WACC6.68%
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 Y40.62%
EPS Next 2Y20.8%
EPS Next 3Y18.83%
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
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 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 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 5 / 10 and the dividend payout ratio is 28.88%.