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

  • GF had positive earnings in the past year.
  • In the past year GF had a positive cash flow from operations.
  • 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.
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

  • With a decent Return On Assets value of 5.02%, GF is doing good in the industry, outperforming 80.00% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 43.47%, GF belongs to the top of the industry, outperforming 94.55% of the companies in the same industry.
  • GF has a better Return On Invested Capital (5.09%) than 70.91% of its industry peers.
  • GF had an Average Return On Invested Capital over the past 3 years of 3.22%. This is significantly below the industry average of 8.81%.
  • The 3 year average ROIC (3.22%) for GF is below the current ROIC(5.09%), indicating increased profibility in the last year.
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

  • The Profit Margin of GF (38.80%) is better than 83.64% 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 58.27%, GF belongs to the best of the industry, outperforming 92.73% of the companies in the same industry.
  • In the last couple of years the Operating Margin of GF has grown nicely.
  • GF's Gross Margin of 90.33% is amongst the best of the industry. GF outperforms 92.73% of its industry peers.
  • GF's Gross Margin has been stable in the last couple of years.
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

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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.
  • 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.
  • Compared to 1 year ago, GF has a worse debt to assets ratio.
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.
  • With a Altman-Z score value of 0.99, GF perfoms like the industry average, outperforming 45.45% of the companies in the same industry.
  • The Debt to FCF ratio of GF is 13.19, which is on the high side as it means it would take GF, 13.19 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of GF (13.19) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 5.26 is on the high side and indicates that GF has dependencies on debt financing.
  • GF's Debt to Equity ratio of 5.26 is on the low side compared to the rest of the industry. GF is outperformed by 81.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.26
Debt/FCF 13.19
Altman-Z 0.99
ROIC/WACC0.75
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 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.
  • GF has a better Current ratio (13.67) than 94.55% of its industry peers.
  • 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 better Quick ratio (13.67) than 94.55% 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

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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%.
  • The Revenue has been growing by 31.19% on average over the past years. This is a very strong growth!
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

  • The Earnings Per Share is expected to grow by 16.42% 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 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.
  • 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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8

4. GF.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • GF is valuated cheaply with a Price/Earnings ratio of 7.99.
  • GF's Price/Earnings ratio is rather cheap when compared to the industry. GF is cheaper than 81.82% of the companies in the same industry.
  • GF is valuated cheaply when we compare the Price/Earnings ratio to 26.21, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 10.49, which indicates a very decent valuation of GF.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of GF indicates a somewhat cheap valuation: GF is cheaper than 69.09% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, GF is valued rather cheaply.
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 63.64% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, GF is valued a bit cheaper than the industry average as 72.73% of the companies are valued more expensively.
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.
  • GF's earnings are expected to grow with 16.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.72
PEG (5Y)0.2
EPS Next 2Y14.41%
EPS Next 3Y16.42%

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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 5.19%, GF is a good candidate for dividend investing.
  • GF's Dividend Yield is a higher than the industry average which is at 2.60.
  • GF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 5.19%

5.2 History

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

5.3 Sustainability

  • GF pays out 26.63% of its income as dividend. This is a 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

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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 5.19%
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)0%
PT rev (3m)24.61%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
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
WACC6.77%
ROIC/WACC0.75
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.