GENERALFINANCE SPA (GF.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:GF - IT0005144784 - Common Stock
23.85 EUR
-0.35 (-1.45%)
GF gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 60 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.
- In the past 5 years GF has always been profitable.
- In multiple years GF reported negative operating cash flow during the last 5 years.
1.2 Ratios
- With a decent Return On Assets value of 4.89%, GF is doing good in the industry, outperforming 75.00% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 44.30%, GF belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
- GF's Return On Invested Capital of 5.01% is fine compared to the rest of the industry. GF outperforms 65.00% 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 10.51%.
- 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
- The Profit Margin of GF (38.69%) is better than 85.00% of its industry peers.
- In the last couple of years the Profit Margin of GF has grown nicely.
- Looking at the Operating Margin, with a value of 58.11%, GF belongs to the top of the industry, outperforming 88.33% 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 90.12% is amongst the best of the industry. GF outperforms 95.00% 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
- The debt/assets ratio for GF is higher compared to a year ago.
2.2 Solvency
- GF has an Altman-Z score of 0.89. This is a bad value and indicates that GF is not financially healthy and even has some risk of bankruptcy.
- GF's Altman-Z score of 0.89 is in line compared to the rest of the industry. GF outperforms 41.67% of its industry peers.
- 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.
- With a Debt to FCF ratio value of 17.02, GF is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
- GF has a Debt/Equity ratio of 4.63. This is a high value indicating a heavy dependency on external financing.
- GF has a Debt to Equity ratio of 4.63. This is amonst the worse of the industry: GF underperforms 81.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.63 | ||
| Debt/FCF | 17.02 | ||
| Altman-Z | 0.89 |
ROIC/WACC0.72
WACC6.92%
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 95.00% of its industry peers.
- A Quick Ratio of 15.30 indicates that GF has no problem at all paying its short term obligations.
- GF's Quick ratio of 15.30 is amongst the best of the industry. GF outperforms 95.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 15.3 | ||
| Quick Ratio | 15.3 |
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
- Looking at the last year, GF shows a very strong growth in Revenue. The Revenue has grown by 40.04%.
- The Revenue has been growing by 29.00% on average over the past years. This is a very strong growth!
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 18.83% on average over the next years. This is quite good.
- 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 5YN/A
Revenue Next Year29.72%
Revenue Next 2Y20.83%
Revenue Next 3Y18.06%
Revenue Next 5YN/A
3.3 Evolution
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 8.31, the valuation of GF can be described as reasonable.
- GF's Price/Earnings ratio is a bit cheaper when compared to the industry. GF is cheaper than 78.33% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, GF is valued rather cheaply.
- With a Price/Forward Earnings ratio of 9.92, the valuation of GF can be described as very reasonable.
- GF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GF is cheaper than 68.33% 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 24.29.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.31 | ||
| Fwd PE | 9.92 |
4.2 Price Multiples
- 65.00% of the companies in the same industry are more expensive than GF, based on the Enterprise Value to EBITDA ratio.
- The rest of the industry has a similar Price/Free Cash Flow ratio as GF.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.52 | ||
| EV/EBITDA | 10.48 |
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.
- A more expensive valuation may be justified as GF's earnings are expected to grow with 18.83% in the coming years.
PEG (NY)0.2
PEG (5Y)0.22
EPS Next 2Y20.8%
EPS Next 3Y18.83%
5. Dividend
5.1 Amount
- GF has a Yearly Dividend Yield of 3.35%.
- GF's Dividend Yield is a higher than the industry average which is at 1.95.
- GF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.35% |
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 (1/20/2026, 10:31:31 AM)
23.85
-0.35 (-1.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners17.35%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap301.46M
Revenue(TTM)93.87M
Net Income(TTM)36.32M
Analysts86
Price Target23 (-3.56%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.35% |
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)8.43%
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 | 8.31 | ||
| Fwd PE | 9.92 | ||
| P/S | 3.21 | ||
| P/FCF | 13.52 | ||
| P/OCF | 12.27 | ||
| P/B | 3.68 | ||
| P/tB | 3.84 | ||
| EV/EBITDA | 10.48 |
EPS(TTM)2.87
EY12.03%
EPS(NY)2.41
Fwd EY10.08%
FCF(TTM)1.76
FCFY7.4%
OCF(TTM)1.94
OCFY8.15%
SpS7.43
BVpS6.49
TBVpS6.21
PEG (NY)0.2
PEG (5Y)0.22
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 | 0.89 |
F-Score5
WACC6.92%
ROIC/WACC0.72
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 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 5 / 10 and the dividend payout ratio is 28.88%.