GENERALFINANCE SPA (GF.MI) Stock Fundamental Analysis
BIT:GF • IT0005144784
25.8 EUR
+0.3 (+1.18%)
Last: Feb 18, 2026, 03:22 PM
Overall GF gets a fundamental rating of 7 out of 10. We evaluated GF 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 has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! Finally GF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- GF had positive earnings in the past year.
- In the past year GF had a positive cash flow from operations.
- GF had positive earnings in each of the past 5 years.
- The reported operating cash flow has been mixed in the past 5 years: GF reported negative operating cash flow in multiple 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.
- GF has a Return On Invested Capital of 5.01%. This is in the better half of the industry: GF outperforms 67.24% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for GF is significantly below the industry average of 8.98%.
- 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
- GF's Profit Margin of 38.69% is amongst the best of the industry. GF outperforms 86.21% of its industry peers.
- GF's Profit Margin has improved in the last couple of years.
- The Operating Margin of GF (58.11%) is better than 89.66% of its industry peers.
- In the last couple of years the Operating Margin of GF has grown nicely.
- GF has a better Gross Margin (90.12%) than 94.83% 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.
- 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.
- The debt/assets ratio for GF is higher compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 0.90, we must say that GF is in the distress zone and has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 0.90, GF is in line with its industry, outperforming 48.28% of the companies in the same industry.
- 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 has a Debt to FCF ratio (17.02) which is in line with its industry peers.
- A Debt/Equity ratio of 4.63 is on the high side and indicates that GF has dependencies on debt financing.
- GF has a worse Debt to Equity ratio (4.63) than 82.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.63 | ||
| Debt/FCF | 17.02 | ||
| Altman-Z | 0.9 |
ROIC/WACC0.76
WACC6.64%
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.
- 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.
- 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
- The Earnings Per Share has grown by an impressive 44.12% over the past year.
- GF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 38.19% yearly.
- 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 22.07% on average over the next years. This is a very strong growth
- GF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.06% yearly.
EPS Next Y40.62%
EPS Next 2Y20.8%
EPS Next 3Y18.83%
EPS Next 5Y22.07%
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.
- 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
- GF is valuated reasonably with a Price/Earnings ratio of 8.99.
- Based on the Price/Earnings ratio, GF is valued a bit cheaper than the industry average as 68.97% of the companies are valued more expensively.
- GF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.16.
- A Price/Forward Earnings ratio of 10.73 indicates a reasonable valuation of GF.
- Based on the Price/Forward Earnings ratio, GF is valued a bit cheaper than the industry average as 62.07% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of GF to the average of the S&P500 Index (28.10), we can say GF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.99 | ||
| Fwd PE | 10.73 |
4.2 Price Multiples
- 62.07% of the companies in the same industry are more expensive than GF, based on the Enterprise Value to EBITDA ratio.
- 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 | 14.62 | ||
| EV/EBITDA | 10.77 |
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.
- GF's earnings are expected to grow with 18.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.22
PEG (5Y)0.24
EPS Next 2Y20.8%
EPS Next 3Y18.83%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.27%, GF is a good candidate for dividend investing.
- GF's Dividend Yield is rather good when compared to the industry average which is at 2.28. GF pays more dividend than 84.48% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, GF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.27% |
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 (2/18/2026, 3:22:49 PM)
25.8
+0.3 (+1.18%)
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 Cap326.11M
Revenue(TTM)93.87M
Net Income(TTM)36.32M
Analysts86
Price Target23 (-10.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.27% |
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)0%
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)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.99 | ||
| Fwd PE | 10.73 | ||
| P/S | 3.47 | ||
| P/FCF | 14.62 | ||
| P/OCF | 13.27 | ||
| P/B | 3.98 | ||
| P/tB | 4.15 | ||
| EV/EBITDA | 10.77 |
EPS(TTM)2.87
EY11.12%
EPS(NY)2.41
Fwd EY9.32%
FCF(TTM)1.76
FCFY6.84%
OCF(TTM)1.94
OCFY7.53%
SpS7.43
BVpS6.49
TBVpS6.21
PEG (NY)0.22
PEG (5Y)0.24
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 | 0.9 |
F-Score5
WACC6.64%
ROIC/WACC0.76
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 5Y22.07%
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 7 / 10 and the dividend payout ratio is 28.88%.