GENERALFINANCE SPA (GF.MI) Fundamental Analysis & Valuation

BIT:GF • IT0005144784

Current stock price

29.05 EUR
+0.05 (+0.17%)
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

  • In the past year GF was profitable.
  • In the past year GF had a positive cash flow from operations.
  • In the past 5 years GF has always been profitable.
  • In multiple years GF reported negative operating cash flow during the last 5 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

  • Looking at the Return On Assets, with a value of 5.07%, GF is in the better half of the industry, outperforming 77.19% of the companies in the same industry.
  • GF's Return On Equity of 43.41% is amongst the best of the industry. GF outperforms 91.23% of its industry peers.
  • With a decent Return On Invested Capital value of 5.27%, GF is doing good in the industry, outperforming 64.91% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for GF is significantly below the industry average of 10.69%.
  • The last Return On Invested Capital (5.27%) for GF is above the 3 year average (3.24%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 5.07%
ROE 43.41%
ROIC 5.27%
ROA(3y)3.06%
ROA(5y)2.84%
ROE(3y)26.09%
ROE(5y)25.4%
ROIC(3y)3.24%
ROIC(5y)3.04%
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

  • GF has a Profit Margin of 38.69%. This is amongst the best in the industry. GF outperforms 84.21% of its industry peers.
  • In the last couple of years the Profit Margin of GF has grown nicely.
  • The Operating Margin of GF (58.53%) is better than 89.47% of its industry peers.
  • GF's Operating Margin has improved in the last couple of years.
  • The Gross Margin of GF (91.01%) is better than 94.74% 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 RankSector Rank
OM 58.53%
PM (TTM) 38.69%
GM 91.01%
OM growth 3Y5.18%
OM growth 5Y4.79%
PM growth 3Y7.65%
PM growth 5Y6.75%
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.
  • The number of shares outstanding for GF remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for GF remains at a similar level compared to 5 years ago.
  • GF has a worse debt/assets ratio than last year.
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

  • GF has an Altman-Z score of 0.94. This is a bad value and indicates that GF is not financially healthy and even has some risk of bankruptcy.
  • GF has a Altman-Z score of 0.94. This is comparable to the rest of the industry: GF outperforms 42.11% of its industry peers.
  • GF has a debt to FCF ratio of 47.87. This is a negative value and a sign of low solvency as GF would need 47.87 years to pay back of all of its debts.
  • GF has a Debt to FCF ratio (47.87) which is in line with its industry peers.
  • A Debt/Equity ratio of 5.21 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 5.21, GF is doing worse than 82.46% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 5.21
Debt/FCF 47.87
Altman-Z 0.94
ROIC/WACC0.84
WACC6.28%
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 100M 200M 300M 400M 500M

2.3 Liquidity

  • A Current Ratio of 4.92 indicates that GF has no problem at all paying its short term obligations.
  • GF has a better Current ratio (4.92) than 85.96% of its industry peers.
  • GF has a Quick Ratio of 4.92. This indicates that GF is financially healthy and has no problem in meeting its short term obligations.
  • GF has a better Quick ratio (4.92) than 85.96% of its industry peers.
Industry RankSector Rank
Current Ratio 4.92
Quick Ratio 4.92
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.
  • GF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 40.10% yearly.
  • The Revenue has grown by 41.34% in the past year. This is a very strong growth!
  • The Revenue has been growing by 31.24% 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)41.34%
Revenue growth 3Y28.41%
Revenue growth 5Y31.24%
Sales Q2Q%28.92%

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 16.42% on average per year.
  • The Revenue is expected to grow by 12.63% on average over the next years. This is quite good.
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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6

4. GF.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • GF is valuated reasonably with a Price/Earnings ratio of 8.59.
  • Based on the Price/Earnings ratio, GF is valued cheaply inside the industry as 80.70% of the companies are valued more expensively.
  • GF is valuated cheaply when we compare the Price/Earnings ratio to 27.33, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 11.28, which indicates a very decent valuation of GF.
  • 63.16% of the companies in the same industry are more expensive than GF, based on the Price/Forward Earnings ratio.
  • GF is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.16, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.59
Fwd PE 11.28
GF.MI Price Earnings VS Forward Price EarningsGF.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • GF's Enterprise Value to EBITDA is on the same level as the industry average.
  • Based on the Price/Free Cash Flow ratio, GF is valued a bit more expensive than 61.40% of the companies in the same industry.
Industry RankSector Rank
P/FCF 34.27
EV/EBITDA 11.38
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

  • GF's 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)0.77
PEG (5Y)0.21
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

  • GF has a Yearly Dividend Yield of 4.86%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.34, 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 1.82.
Industry RankSector Rank
Dividend Yield 4.86%

5.2 History

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

5.3 Sustainability

  • 24.56% of the earnings are spent on dividend by GF. This is a low number and sustainable payout ratio.
DP24.56%
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 (4/15/2026, 1:33:23 PM)

29.05

+0.05 (+0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners16.47%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap367.19M
Revenue(TTM)110.38M
Net Income(TTM)42.70M
Analysts86
Price Target28.66 (-1.34%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.86%
Yearly Dividend0.83
Dividend Growth(5Y)N/A
DP24.56%
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 8.59
Fwd PE 11.28
P/S 3.33
P/FCF 34.27
P/OCF 29.16
P/B 3.73
P/tB 3.88
EV/EBITDA 11.38
EPS(TTM)3.38
EY11.64%
EPS(NY)2.58
Fwd EY8.86%
FCF(TTM)0.85
FCFY2.92%
OCF(TTM)1
OCFY3.43%
SpS8.73
BVpS7.78
TBVpS7.48
PEG (NY)0.77
PEG (5Y)0.21
Graham Number24.3291 (-16.25%)
Profitability
Industry RankSector Rank
ROA 5.07%
ROE 43.41%
ROCE 7.92%
ROIC 5.27%
ROICexc 6.2%
ROICexgc 6.37%
OM 58.53%
PM (TTM) 38.69%
GM 91.01%
FCFM 9.71%
ROA(3y)3.06%
ROA(5y)2.84%
ROE(3y)26.09%
ROE(5y)25.4%
ROIC(3y)3.24%
ROIC(5y)3.04%
ROICexc(3y)3.71%
ROICexc(5y)3.44%
ROICexgc(3y)3.76%
ROICexgc(5y)3.48%
ROCE(3y)4.88%
ROCE(5y)4.57%
ROICexgc growth 3Y11.67%
ROICexgc growth 5Y7.93%
ROICexc growth 3Y10.89%
ROICexc growth 5Y7.44%
OM growth 3Y5.18%
OM growth 5Y4.79%
PM growth 3Y7.65%
PM growth 5Y6.75%
GM growth 3Y0.78%
GM growth 5Y-0.07%
F-Score5
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 5.21
Debt/FCF 47.87
Debt/EBITDA 7.71
Cap/Depr 99.03%
Cap/Sales 1.7%
Interest Coverage 250
Cash Conversion 18.93%
Profit Quality 25.09%
Current Ratio 4.92
Quick Ratio 4.92
Altman-Z 0.94
F-Score5
WACC6.28%
ROIC/WACC0.84
Cap/Depr(3y)127.94%
Cap/Depr(5y)129.4%
Cap/Sales(3y)3.72%
Cap/Sales(5y)3.99%
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)41.34%
Revenue growth 3Y28.41%
Revenue growth 5Y31.24%
Sales Q2Q%28.92%
Revenue Next Year12.55%
Revenue Next 2Y12.63%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y36.11%
EBIT growth 3Y35.06%
EBIT growth 5Y37.53%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-90.1%
FCF growth 3YN/A
FCF growth 5Y2.38%
OCF growth 1Y-88.71%
OCF growth 3YN/A
OCF growth 5Y3.75%

GENERALFINANCE SPA / GF.MI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for GENERALFINANCE SPA?

ChartMill assigns a fundamental rating of 6 / 10 to GF.MI.


What is the valuation status of GENERALFINANCE SPA (GF.MI) stock?

ChartMill assigns a valuation rating of 6 / 10 to GENERALFINANCE SPA (GF.MI). This can be considered as Fairly Valued.


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 8.59 and the Price/Book (PB) ratio is 3.73.


How financially healthy is GENERALFINANCE SPA?

The financial health rating of GENERALFINANCE SPA (GF.MI) is 4 / 10.