GENERALFINANCE SPA (GF.MI) Stock Fundamental Analysis

BIT:GF • IT0005144784

26.4 EUR
+0.4 (+1.54%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

7

Overall GF gets a fundamental rating of 7 out of 10. We evaluated GF against 56 industry peers in the Financial Services industry. GF has an excellent profitability rating, but there are some minor concerns on its financial health. GF is not overvalued while it is showing excellent growth. This is an interesting combination. Finally GF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

8

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.
  • 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.
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 5.02%, GF is in the better half of the industry, outperforming 78.57% of the companies in the same industry.
  • GF has a Return On Equity of 43.47%. This is amongst the best in the industry. GF outperforms 94.64% of its industry peers.
  • GF has a Return On Invested Capital of 5.09%. This is in the better half of the industry: GF outperforms 69.64% of its industry peers.
  • GF had an Average Return On Invested Capital over the past 3 years of 3.22%. This is significantly below the industry average of 8.48%.
  • The 3 year average ROIC (3.22%) for GF is below the current ROIC(5.09%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 5.02%
ROE 43.47%
ROIC 5.09%
ROA(3y)3.06%
ROA(5y)2.84%
ROE(3y)26.09%
ROE(5y)25.4%
ROIC(3y)3.22%
ROIC(5y)3.03%
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 better Profit Margin (38.80%) than 87.50% of its industry peers.
  • GF's Profit Margin has improved in the last couple of years.
  • GF's Operating Margin of 58.27% is amongst the best of the industry. GF outperforms 91.07% of its industry peers.
  • In the last couple of years the Operating Margin of GF has grown nicely.
  • Looking at the Gross Margin, with a value of 90.33%, GF belongs to the top of the industry, outperforming 94.64% of the companies in the same industry.
  • GF's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 58.27%
PM (TTM) 38.8%
GM 90.33%
OM growth 3Y5.14%
OM growth 5Y4.77%
PM growth 3Y7.72%
PM growth 5Y6.79%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GF is destroying value.
  • GF has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for GF remains at a similar level compared to 5 years ago.
  • The debt/assets ratio for GF is higher compared to a year ago.
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 0.98. 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 0.98 is in line compared to the rest of the industry. GF outperforms 50.00% of its industry peers.
  • The Debt to FCF ratio of GF is 13.19, which is on the high side as it means it would take GF, 13.19 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of GF (13.19) is comparable to the rest of the industry.
  • GF has a Debt/Equity ratio of 5.26. This is a high value indicating a heavy dependency on external financing.
  • GF has a worse Debt to Equity ratio (5.26) than 82.14% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.26
Debt/FCF 13.19
Altman-Z 0.98
ROIC/WACC0.77
WACC6.63%
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 200M 400M 600M

2.3 Liquidity

  • A Current Ratio of 13.67 indicates that GF has no problem at all paying its short term obligations.
  • GF's Current ratio of 13.67 is amongst the best of the industry. GF outperforms 94.64% of its industry peers.
  • GF has a Quick Ratio of 13.67. This indicates that GF is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 13.67, GF belongs to the top of the industry, outperforming 94.64% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 13.67
Quick Ratio 13.67
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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. Growth

3.1 Past

  • GF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.26%, which is quite impressive.
  • GF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 40.10% yearly.
  • GF shows a strong growth in Revenue. In the last year, the Revenue has grown by 41.25%.
  • The Revenue has been growing by 31.19% 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)41.25%
Revenue growth 3Y28.34%
Revenue growth 5Y31.19%
Sales Q2Q%28.7%

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 16.45% yearly.
  • GF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.63% yearly.
EPS Next Y3.78%
EPS Next 2Y9.24%
EPS Next 3Y16.45%
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.
  • 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.
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

More info and screens

Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.81, the valuation of GF can be described as very cheap.
  • Based on the Price/Earnings ratio, GF is valued a bit cheaper than 78.57% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of GF to the average of the S&P500 Index (27.10), we can say GF is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.98, the valuation of GF can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, GF is valued a bit cheaper than the industry average as 60.71% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, GF is valued rather cheaply.
Industry RankSector Rank
PE 7.81
Fwd PE 10.98
GF.MI Price Earnings VS Forward Price EarningsGF.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GF is on the same level as its industry peers.
  • Based on the Price/Free Cash Flow ratio, GF is valued a bit cheaper than the industry average as 71.43% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.23
EV/EBITDA 10.92
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

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive 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 16.45% in the coming years.
PEG (NY)2.07
PEG (5Y)0.19
EPS Next 2Y9.24%
EPS Next 3Y16.45%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 5.23%, GF is a good candidate for dividend investing.
  • GF's Dividend Yield is rather good when compared to the industry average which is at 2.31. GF pays more dividend than 83.93% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.83, GF pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.23%

5.2 History

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

5.3 Sustainability

  • 26.63% of the earnings are spent on dividend by GF. This is a low number and sustainable payout ratio.
DP26.63%
EPS Next 2Y9.24%
EPS Next 3Y16.45%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

GENERALFINANCE SPA

BIT:GF (2/27/2026, 7:00:00 PM)

26.4

+0.4 (+1.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners17.35%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap333.70M
Revenue(TTM)110.31M
Net Income(TTM)39.38M
Analysts86
Price Target28.66 (8.56%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.23%
Yearly Dividend0.59
Dividend Growth(5Y)N/A
DP26.63%
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)24.61%
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)4.94%
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 7.81
Fwd PE 10.98
P/S 3.29
P/FCF 9.23
P/OCF 8.87
P/B 3.68
P/tB 3.83
EV/EBITDA 10.92
EPS(TTM)3.38
EY12.8%
EPS(NY)2.41
Fwd EY9.11%
FCF(TTM)2.86
FCFY10.83%
OCF(TTM)2.98
OCFY11.27%
SpS8.03
BVpS7.17
TBVpS6.89
PEG (NY)2.07
PEG (5Y)0.19
Graham Number23.35
Profitability
Industry RankSector Rank
ROA 5.02%
ROE 43.47%
ROCE 7.65%
ROIC 5.09%
ROICexc 6.26%
ROICexgc 6.48%
OM 58.27%
PM (TTM) 38.8%
GM 90.33%
FCFM 35.61%
ROA(3y)3.06%
ROA(5y)2.84%
ROE(3y)26.09%
ROE(5y)25.4%
ROIC(3y)3.22%
ROIC(5y)3.03%
ROICexc(3y)3.68%
ROICexc(5y)3.42%
ROICexgc(3y)3.75%
ROICexgc(5y)3.47%
ROCE(3y)4.85%
ROCE(5y)4.55%
ROICexgc growth 3Y11.35%
ROICexgc growth 5Y7.75%
ROICexc growth 3Y10.17%
ROICexc growth 5Y7.02%
OM growth 3Y5.14%
OM growth 5Y4.77%
PM growth 3Y7.72%
PM growth 5Y6.79%
GM growth 3Y0.78%
GM growth 5Y-0.07%
F-Score5
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 5.26
Debt/FCF 13.19
Debt/EBITDA 7.82
Cap/Depr 80.43%
Cap/Sales 1.45%
Interest Coverage 250
Cash Conversion 61.68%
Profit Quality 91.77%
Current Ratio 13.67
Quick Ratio 13.67
Altman-Z 0.98
F-Score5
WACC6.63%
ROIC/WACC0.77
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Y3.78%
EPS Next 2Y9.24%
EPS Next 3Y16.45%
EPS Next 5YN/A
Revenue 1Y (TTM)41.25%
Revenue growth 3Y28.34%
Revenue growth 5Y31.19%
Sales Q2Q%28.7%
Revenue Next Year12.55%
Revenue Next 2Y12.63%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y43.26%
EBIT growth 3Y34.93%
EBIT growth 5Y37.45%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-21.64%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-23.24%
OCF growth 3YN/A
OCF growth 5YN/A

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 6 / 10 to GENERALFINANCE SPA (GF.MI). This can be considered as Fairly Valued.


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 3.78% 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 26.63%.