GENERALFINANCE SPA (GF.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:GF - IT0005144784 - Common Stock
20.8 EUR
-0.05 (-0.24%)
We assign a fundamental rating of 7 out of 10 to GF. GF was compared to 54 industry peers in the Financial Services industry. While GF belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. An interesting combination arises when we look at growth and value: GF is growing strongly while it also seems undervalued.
1. Profitability
1.1 Basic Checks
GF had positive earnings in the past year.
GF had a positive operating cash flow in the past year.
Each year in the past 5 years GF has been profitable.
In multiple years GF reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of GF (4.89%) is better than 77.36% of its industry peers.
Looking at the Return On Equity, with a value of 44.30%, GF belongs to the top of the industry, outperforming 94.34% of the companies in the same industry.
With a decent Return On Invested Capital value of 5.01%, GF is doing good in the industry, outperforming 67.92% of the companies in the same industry.
GF had an Average Return On Invested Capital over the past 3 years of 3.03%. This is significantly below the industry average of 10.39%.
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 88.68% 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 90.57% of the companies in the same industry.
GF's Operating Margin has improved in the last couple of years.
The Gross Margin of GF (90.12%) is better than 94.34% 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
GF has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, GF has about the same amount of shares outstanding.
GF has about the same amout of shares outstanding than it did 5 years ago.
Compared to 1 year ago, GF has a worse debt to assets ratio.
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 worse Altman-Z score (0.85) than 60.38% 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.
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 60.38% 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.
GF's Debt to Equity ratio of 4.63 is on the low side compared to the rest of the industry. GF is outperformed by 81.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.63 | ||
| Debt/FCF | 17.02 | ||
| Altman-Z | 0.85 |
ROIC/WACC0.78
WACC6.47%
2.3 Liquidity
GF has a Current Ratio of 15.30. This indicates that GF is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of GF (15.30) is better than 92.45% of its industry peers.
GF has a Quick Ratio of 15.30. This indicates that GF is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of GF (15.30) is better than 92.45% 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%.
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 19.13% yearly.
Based on estimates for the next years, GF will show a quite strong growth in Revenue. The Revenue will grow by 18.06% on average per year.
EPS Next Y29.69%
EPS Next 2Y20.03%
EPS Next 3Y19.13%
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.
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 7.25, the valuation of GF can be described as very cheap.
Based on the Price/Earnings ratio, GF is valued cheaper than 86.79% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.49. GF is valued rather cheaply when compared to this.
GF is valuated reasonably with a Price/Forward Earnings ratio of 8.76.
GF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GF is cheaper than 73.58% of the companies in the same industry.
GF is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.69, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.25 | ||
| Fwd PE | 8.76 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GF is valued a bit cheaper than the industry average as 62.26% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, GF is valued a bit cheaper than the industry average as 60.38% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.79 | ||
| EV/EBITDA | 9.72 |
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 19.13% in the coming years.
PEG (NY)0.24
PEG (5Y)0.19
EPS Next 2Y20.03%
EPS Next 3Y19.13%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.01%, GF is a good candidate for dividend investing.
GF's Dividend Yield is a higher than the industry average which is at 3.26.
Compared to an average S&P500 Dividend Yield of 2.31, GF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.01% |
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 2Y20.03%
EPS Next 3Y19.13%
BIT:GF (12/3/2025, 7:00:00 PM)
20.8
-0.05 (-0.24%)
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 Cap262.91M
Revenue(TTM)93.87M
Net Income(TTM)36.32M
Analysts86
Price Target23 (10.58%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.01% |
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)9.47%
PT rev (3m)26.33%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)4.8%
EPS NY rev (3m)9.5%
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 | 7.25 | ||
| Fwd PE | 8.76 | ||
| P/S | 2.8 | ||
| P/FCF | 11.79 | ||
| P/OCF | 10.7 | ||
| P/B | 3.21 | ||
| P/tB | 3.35 | ||
| EV/EBITDA | 9.72 |
EPS(TTM)2.87
EY13.8%
EPS(NY)2.37
Fwd EY11.41%
FCF(TTM)1.76
FCFY8.48%
OCF(TTM)1.94
OCFY9.35%
SpS7.43
BVpS6.49
TBVpS6.21
PEG (NY)0.24
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
WACC6.47%
ROIC/WACC0.78
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 Y29.69%
EPS Next 2Y20.03%
EPS Next 3Y19.13%
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
What is the fundamental rating for GF stock?
ChartMill assigns a fundamental rating of 7 / 10 to GF.MI.
What is the valuation status for GF 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 financial health of GENERALFINANCE SPA (GF.MI) stock?
The financial health rating of GENERALFINANCE SPA (GF.MI) is 4 / 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 29.69% in the next year.