GENERALFINANCE SPA (GF.MI) Fundamental Analysis & Valuation

BIT:GF • IT0005144784

Current stock price

27 EUR
+0.2 (+0.75%)
Last:

This GF.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

8

1. GF.MI Profitability Analysis

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.
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 2025 0 20M 40M 60M 80M 100M

1.2 Ratios

  • GF's Return On Assets of 5.02% is fine compared to the rest of the industry. GF outperforms 78.57% of its industry peers.
  • Looking at the Return On Equity, with a value of 43.47%, GF belongs to the top of the industry, outperforming 91.07% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 5.09%, GF is in the better half of the industry, outperforming 66.07% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for GF is significantly below the industry average of 11.16%.
  • The last Return On Invested Capital (5.09%) for GF is above the 3 year average (3.22%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 5.02%
ROE 43.47%
ROIC 5.09%
ROA(3y)3.06%
ROA(5y)2.84%
ROE(3y)26.09%
ROE(5y)25.4%
ROIC(3y)3.22%
ROIC(5y)3.03%
GF.MI Yearly ROA, ROE, ROICGF.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • Looking at the Profit Margin, with a value of 38.80%, GF belongs to the top of the industry, outperforming 82.14% of the companies in the same industry.
  • In the last couple of years the Profit Margin of GF has grown nicely.
  • Looking at the Operating Margin, with a value of 58.27%, GF belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
  • GF's Operating Margin has improved in the last couple of years.
  • GF has a Gross Margin of 90.33%. This is amongst the best in 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 RankSector Rank
OM 58.27%
PM (TTM) 38.8%
GM 90.33%
OM growth 3Y5.14%
OM growth 5Y4.77%
PM growth 3Y7.72%
PM growth 5Y6.79%
GM growth 3Y0.78%
GM growth 5Y-0.07%
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 2025 20 40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. GF.MI Health Analysis

2.1 Basic Checks

  • GF has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for GF remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for GF remains at a similar level compared to 5 years ago.
  • The debt/assets ratio for GF is higher compared to a year ago.
GF.MI Yearly Shares OutstandingGF.MI Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 200M 400M 600M 800M

2.2 Solvency

  • Based on the Altman-Z score of 0.99, we must say that GF is in the distress zone and has some risk of bankruptcy.
  • GF has a Altman-Z score (0.99) which is comparable to the rest of the industry.
  • GF has a debt to FCF ratio of 13.19. This is a negative value and a sign of low solvency as GF would need 13.19 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 13.19, GF is in line with its industry, outperforming 48.21% of the companies in the same industry.
  • GF has a Debt/Equity ratio of 5.26. This is a high value indicating a heavy dependency on external financing.
  • GF has a worse Debt to Equity ratio (5.26) than 82.14% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.26
Debt/FCF 13.19
Altman-Z 0.99
ROIC/WACC0.78
WACC6.56%
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 2025 0 200M 400M 600M

2.3 Liquidity

  • GF has a Current Ratio of 13.67. This indicates that GF is financially healthy and has no problem in meeting its short term obligations.
  • With an excellent Current ratio value of 13.67, GF belongs to the best of the industry, outperforming 94.64% of the companies in the same industry.
  • GF has a Quick Ratio of 13.67. This indicates that GF is financially healthy and has no problem in meeting its short term obligations.
  • GF has a Quick ratio of 13.67. This is amongst the best in the industry. GF outperforms 94.64% of its industry peers.
Industry RankSector Rank
Current Ratio 13.67
Quick Ratio 13.67
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 2025 20M 40M 60M 80M 100M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. GF.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 35.26% over the past year.
  • The Earnings Per Share has been growing by 40.10% on average over the past years. This is a very strong growth
  • GF shows a strong growth in Revenue. In the last year, the Revenue has grown by 41.25%.
  • Measured over the past years, GF shows a very strong growth in Revenue. The Revenue has been growing by 31.19% on average per year.
EPS 1Y (TTM)35.26%
EPS 3Y38.24%
EPS 5Y40.1%
EPS Q2Q%25.32%
Revenue 1Y (TTM)41.25%
Revenue growth 3Y28.34%
Revenue growth 5Y31.19%
Sales Q2Q%28.7%

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 16.42% on average per year.
  • GF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.63% yearly.
EPS Next Y11.11%
EPS Next 2Y14.41%
EPS Next 3Y16.42%
EPS Next 5YN/A
Revenue Next Year12.55%
Revenue Next 2Y12.63%
Revenue Next 3YN/A
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.
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

More info and screens

Find the best growth stocksShow best growing peers

8

4. GF.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 7.99, which indicates a rather cheap valuation of GF.
  • GF's Price/Earnings ratio is rather cheap when compared to the industry. GF is cheaper than 82.14% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of GF to the average of the S&P500 Index (25.60), we can say GF is valued rather cheaply.
  • GF is valuated reasonably with a Price/Forward Earnings ratio of 10.49.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of GF indicates a somewhat cheap valuation: GF is cheaper than 67.86% of the companies listed in the same industry.
  • GF is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.99
Fwd PE 10.49
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 62.50% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, GF is valued a bit cheaper than 71.43% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.44
EV/EBITDA 11.04
GF.MI Per share dataGF.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

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 an outstanding profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as GF's earnings are expected to grow with 16.42% in the coming years.
PEG (NY)0.72
PEG (5Y)0.2
EPS Next 2Y14.41%
EPS Next 3Y16.42%

More info and screens

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

6

5. GF.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.17%, GF is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.54, 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 1.88.
Industry RankSector Rank
Dividend Yield 5.17%

5.2 History

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

5.3 Sustainability

  • 26.63% of the earnings are spent on dividend by GF. This is a low number and sustainable payout ratio.
DP26.63%
EPS Next 2Y14.41%
EPS Next 3Y16.42%
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 2025 0 20M 40M 60M 80M 100M
GF.MI Dividend Payout.GF.MI Dividend Payout, showing the Payout Ratio.GF.MI Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

GF.MI Fundamentals: All Metrics, Ratios and Statistics

GENERALFINANCE SPA

BIT:GF (4/2/2026, 7:00:00 PM)

27

+0.2 (+0.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners16.7%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap341.28M
Revenue(TTM)110.31M
Net Income(TTM)39.38M
Analysts86
Price Target28.66 (6.15%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.17%
Yearly Dividend0.59
Dividend Growth(5Y)N/A
DP26.63%
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)24.61%
PT rev (3m)24.61%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)7.07%
EPS NY rev (3m)7.07%
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 7.99
Fwd PE 10.49
P/S 3.36
P/FCF 9.44
P/OCF 9.07
P/B 3.77
P/tB 3.92
EV/EBITDA 11.04
EPS(TTM)3.38
EY12.52%
EPS(NY)2.58
Fwd EY9.54%
FCF(TTM)2.86
FCFY10.59%
OCF(TTM)2.98
OCFY11.02%
SpS8.03
BVpS7.17
TBVpS6.89
PEG (NY)0.72
PEG (5Y)0.2
Graham Number23.35
Profitability
Industry RankSector Rank
ROA 5.02%
ROE 43.47%
ROCE 7.65%
ROIC 5.09%
ROICexc 6.26%
ROICexgc 6.48%
OM 58.27%
PM (TTM) 38.8%
GM 90.33%
FCFM 35.61%
ROA(3y)3.06%
ROA(5y)2.84%
ROE(3y)26.09%
ROE(5y)25.4%
ROIC(3y)3.22%
ROIC(5y)3.03%
ROICexc(3y)3.68%
ROICexc(5y)3.42%
ROICexgc(3y)3.75%
ROICexgc(5y)3.47%
ROCE(3y)4.85%
ROCE(5y)4.55%
ROICexgc growth 3Y11.35%
ROICexgc growth 5Y7.75%
ROICexc growth 3Y10.17%
ROICexc growth 5Y7.02%
OM growth 3Y5.14%
OM growth 5Y4.77%
PM growth 3Y7.72%
PM growth 5Y6.79%
GM growth 3Y0.78%
GM growth 5Y-0.07%
F-Score5
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 5.26
Debt/FCF 13.19
Debt/EBITDA 7.82
Cap/Depr 80.43%
Cap/Sales 1.45%
Interest Coverage 250
Cash Conversion 61.68%
Profit Quality 91.77%
Current Ratio 13.67
Quick Ratio 13.67
Altman-Z 0.99
F-Score5
WACC6.56%
ROIC/WACC0.78
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)35.26%
EPS 3Y38.24%
EPS 5Y40.1%
EPS Q2Q%25.32%
EPS Next Y11.11%
EPS Next 2Y14.41%
EPS Next 3Y16.42%
EPS Next 5YN/A
Revenue 1Y (TTM)41.25%
Revenue growth 3Y28.34%
Revenue growth 5Y31.19%
Sales Q2Q%28.7%
Revenue Next Year12.55%
Revenue Next 2Y12.63%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y43.26%
EBIT growth 3Y34.93%
EBIT growth 5Y37.45%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-21.64%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-23.24%
OCF growth 3YN/A
OCF growth 5YN/A

GENERALFINANCE SPA / GF.MI Fundamental Analysis 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.


Can you provide the profitability details for GENERALFINANCE SPA?

GENERALFINANCE SPA (GF.MI) has a profitability rating of 8 / 10.


Can you provide the PE and PB ratios for GF stock?

The Price/Earnings (PE) ratio for GENERALFINANCE SPA (GF.MI) is 7.99 and the Price/Book (PB) ratio is 3.77.


How financially healthy is GENERALFINANCE SPA?

The financial health rating of GENERALFINANCE SPA (GF.MI) is 4 / 10.