GENERALFINANCE SPA (GF.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:GF - IT0005144784 - Common Stock
24.85 EUR
+0.65 (+2.69%)
GF gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 58 industry peers in the Financial Services industry. While GF has a great profitability rating, 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.
- In multiple years GF reported negative operating cash flow during the last 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 4.89%, GF is in the better half of the industry, outperforming 77.59% 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 93.10% of the companies in the same industry.
- The Return On Invested Capital of GF (5.01%) is better than 67.24% 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 8.80%.
- 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 86.21% of the companies in the same industry.
- In the last couple of years the Profit Margin of GF has grown nicely.
- GF has a better Operating Margin (58.11%) than 89.66% of its industry peers.
- GF's Operating Margin has improved in the last couple of years.
- The Gross Margin of GF (90.12%) is better than 94.83% 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
- 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.
- 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
- Based on the Altman-Z score of 0.89, we must say that GF is in the distress zone and has some risk of bankruptcy.
- With a Altman-Z score value of 0.89, GF perfoms like the industry average, outperforming 41.38% of the companies in the same industry.
- 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's Debt to FCF ratio of 17.02 is on the low side compared to the rest of the industry. GF is outperformed by 62.07% 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.
- Looking at the Debt to Equity ratio, with a value of 4.63, GF is doing worse than 81.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.63 | ||
| Debt/FCF | 17.02 | ||
| Altman-Z | 0.89 |
ROIC/WACC0.74
WACC6.81%
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 94.83% of its industry peers.
- A Quick Ratio of 15.30 indicates that GF has no problem at all paying its short term obligations.
- With an excellent Quick ratio value of 15.30, GF belongs to the best of the industry, outperforming 94.83% of the companies in the same industry.
| 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
- GF shows a strong growth in Revenue. In the last year, 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
- Based on estimates for the next years, GF will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.83% on average per year.
- 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
- 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
- Based on the Price/Earnings ratio of 8.66, the valuation of GF can be described as reasonable.
- 84.48% of the companies in the same industry are more expensive than GF, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of GF to the average of the S&P500 Index (27.33), we can say GF is valued rather cheaply.
- The Price/Forward Earnings ratio is 10.33, which indicates a very decent valuation of GF.
- 67.24% of the companies in the same industry are more expensive than GF, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 24.12. GF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.66 | ||
| Fwd PE | 10.33 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, GF is valued a bit cheaper than the industry average as 65.52% of the companies are valued more expensively.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of GF is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.08 | ||
| EV/EBITDA | 10.48 |
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 18.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.21
PEG (5Y)0.23
EPS Next 2Y20.8%
EPS Next 3Y18.83%
5. Dividend
5.1 Amount
- GF has a Yearly Dividend Yield of 3.55%.
- Compared to an average industry Dividend Yield of 1.97, 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 1.91.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.55% |
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 (1/15/2026, 3:16:43 PM)
24.85
+0.65 (+2.69%)
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 Cap314.10M
Revenue(TTM)93.87M
Net Income(TTM)36.32M
Analysts86
Price Target23 (-7.44%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.55% |
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 | 8.66 | ||
| Fwd PE | 10.33 | ||
| P/S | 3.35 | ||
| P/FCF | 14.08 | ||
| P/OCF | 12.78 | ||
| P/B | 3.83 | ||
| P/tB | 4 | ||
| EV/EBITDA | 10.48 |
EPS(TTM)2.87
EY11.55%
EPS(NY)2.41
Fwd EY9.68%
FCF(TTM)1.76
FCFY7.1%
OCF(TTM)1.94
OCFY7.82%
SpS7.43
BVpS6.49
TBVpS6.21
PEG (NY)0.21
PEG (5Y)0.23
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
WACC6.81%
ROIC/WACC0.74
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%.