INDEL B SPA (INDB.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:INDB - IT0005245508 - Common Stock
18.75 EUR
-0.4 (-2.09%)
Taking everything into account, INDB scores 5 out of 10 in our fundamental rating. INDB was compared to 36 industry peers in the Household Durables industry. INDB has only an average score on both its financial health and profitability. INDB has a valuation in line with the averages, but on the other hand it scores bad on growth. INDB also has an excellent dividend rating. These ratings would make INDB suitable for dividend investing!
1. Profitability
1.1 Basic Checks
INDB had positive earnings in the past year.
INDB had a positive operating cash flow in the past year.
INDB had positive earnings in each of the past 5 years.
Of the past 5 years INDB 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.08%, INDB is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
With a decent Return On Equity value of 7.64%, INDB is doing good in the industry, outperforming 69.44% of the companies in the same industry.
INDB has a better Return On Invested Capital (5.27%) than 61.11% of its industry peers.
INDB had an Average Return On Invested Capital over the past 3 years of 7.68%. This is in line with the industry average of 9.62%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.08% | ||
| ROE | 7.64% | ||
| ROIC | 5.27% |
ROA(3y)5.09%
ROA(5y)6.04%
ROE(3y)8.94%
ROE(5y)10.97%
ROIC(3y)7.68%
ROIC(5y)7.55%
1.3 Margins
INDB has a better Profit Margin (5.34%) than 77.78% of its industry peers.
In the last couple of years the Profit Margin of INDB has declined.
The Operating Margin of INDB (6.74%) is better than 63.89% of its industry peers.
INDB's Operating Margin has declined in the last couple of years.
INDB has a Gross Margin (42.99%) which is comparable to the rest of the industry.
INDB's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.74% | ||
| PM (TTM) | 5.34% | ||
| GM | 42.99% |
OM growth 3Y-8.77%
OM growth 5Y-9.46%
PM growth 3Y-25.75%
PM growth 5Y-12.36%
GM growth 3Y-2.24%
GM growth 5Y0.07%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so INDB is still creating some value.
The number of shares outstanding for INDB has been reduced compared to 1 year ago.
INDB has less shares outstanding than it did 5 years ago.
INDB has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 1.98 indicates that INDB is not a great score, but indicates only limited risk for bankruptcy at the moment.
INDB has a Altman-Z score of 1.98. This is comparable to the rest of the industry: INDB outperforms 52.78% of its industry peers.
INDB has a debt to FCF ratio of 9.81. This is a negative value and a sign of low solvency as INDB would need 9.81 years to pay back of all of its debts.
The Debt to FCF ratio of INDB (9.81) is better than 61.11% of its industry peers.
INDB has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.26, INDB is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 9.81 | ||
| Altman-Z | 1.98 |
ROIC/WACC0.79
WACC6.68%
2.3 Liquidity
A Current Ratio of 2.05 indicates that INDB has no problem at all paying its short term obligations.
INDB has a better Current ratio (2.05) than 69.44% of its industry peers.
A Quick Ratio of 1.10 indicates that INDB should not have too much problems paying its short term obligations.
INDB's Quick ratio of 1.10 is fine compared to the rest of the industry. INDB outperforms 72.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.05 | ||
| Quick Ratio | 1.1 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 5.59% over the past year.
INDB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.26% yearly.
The Revenue has decreased by -9.76% in the past year.
INDB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.55% yearly.
EPS 1Y (TTM)5.59%
EPS 3Y-22.76%
EPS 5Y-6.26%
EPS Q2Q%174.19%
Revenue 1Y (TTM)-9.76%
Revenue growth 3Y2.41%
Revenue growth 5Y5.55%
Sales Q2Q%-1.94%
3.2 Future
INDB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.31% yearly.
The Revenue is expected to grow by 3.80% on average over the next years.
EPS Next Y-7.11%
EPS Next 2Y13.33%
EPS Next 3Y10.31%
EPS Next 5YN/A
Revenue Next Year0.45%
Revenue Next 2Y4.34%
Revenue Next 3Y3.8%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.57, which indicates a very decent valuation of INDB.
80.56% of the companies in the same industry are more expensive than INDB, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of INDB to the average of the S&P500 Index (26.54), we can say INDB is valued rather cheaply.
The Price/Forward Earnings ratio is 6.36, which indicates a rather cheap valuation of INDB.
Based on the Price/Forward Earnings ratio, INDB is valued cheaper than 88.89% of the companies in the same industry.
INDB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.78.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.57 | ||
| Fwd PE | 6.36 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of INDB is on the same level as its industry peers.
INDB's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.96 | ||
| EV/EBITDA | 7.01 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y13.33%
EPS Next 3Y10.31%
5. Dividend
5.1 Amount
INDB has a Yearly Dividend Yield of 4.22%, which is a nice return.
INDB's Dividend Yield is a higher than the industry average which is at 4.83.
Compared to an average S&P500 Dividend Yield of 2.27, INDB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.22% |
5.2 History
The dividend of INDB has a limited annual growth rate of 4.11%.
Dividend Growth(5Y)4.11%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
INDB pays out 41.75% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of INDB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP41.75%
EPS Next 2Y13.33%
EPS Next 3Y10.31%
BIT:INDB (12/12/2025, 5:24:16 PM)
18.75
-0.4 (-2.09%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)
Earnings (Next)
Inst Owners10.92%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap109.50M
Revenue(TTM)199.57M
Net Income(TTM)10.66M
Analysts42.22
Price Target26.52 (41.44%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.22% |
Yearly Dividend0.85
Dividend Growth(5Y)4.11%
DP41.75%
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)4%
PT rev (3m)4%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)7.73%
EPS NY rev (3m)7.73%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.57 | ||
| Fwd PE | 6.36 | ||
| P/S | 0.55 | ||
| P/FCF | 17.96 | ||
| P/OCF | 7.81 | ||
| P/B | 0.79 | ||
| P/tB | 1.14 | ||
| EV/EBITDA | 7.01 |
EPS(TTM)1.96
EY10.45%
EPS(NY)2.95
Fwd EY15.72%
FCF(TTM)1.04
FCFY5.57%
OCF(TTM)2.4
OCFY12.8%
SpS34.17
BVpS23.88
TBVpS16.47
PEG (NY)N/A
PEG (5Y)N/A
Graham Number32.45
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.08% | ||
| ROE | 7.64% | ||
| ROCE | 7.35% | ||
| ROIC | 5.27% | ||
| ROICexc | 6.37% | ||
| ROICexgc | 8.89% | ||
| OM | 6.74% | ||
| PM (TTM) | 5.34% | ||
| GM | 42.99% | ||
| FCFM | 3.05% |
ROA(3y)5.09%
ROA(5y)6.04%
ROE(3y)8.94%
ROE(5y)10.97%
ROIC(3y)7.68%
ROIC(5y)7.55%
ROICexc(3y)9.07%
ROICexc(5y)9.38%
ROICexgc(3y)10.58%
ROICexgc(5y)11.18%
ROCE(3y)10.7%
ROCE(5y)10.5%
ROICexgc growth 3Y-10.76%
ROICexgc growth 5Y-10.12%
ROICexc growth 3Y-9.04%
ROICexc growth 5Y-9.21%
OM growth 3Y-8.77%
OM growth 5Y-9.46%
PM growth 3Y-25.75%
PM growth 5Y-12.36%
GM growth 3Y-2.24%
GM growth 5Y0.07%
F-Score6
Asset Turnover0.76
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 9.81 | ||
| Debt/EBITDA | 1.84 | ||
| Cap/Depr | 126.12% | ||
| Cap/Sales | 3.97% | ||
| Interest Coverage | 10.53 | ||
| Cash Conversion | 71.05% | ||
| Profit Quality | 57.19% | ||
| Current Ratio | 2.05 | ||
| Quick Ratio | 1.1 | ||
| Altman-Z | 1.98 |
F-Score6
WACC6.68%
ROIC/WACC0.79
Cap/Depr(3y)130.37%
Cap/Depr(5y)133.09%
Cap/Sales(3y)3.54%
Cap/Sales(5y)3.91%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)5.59%
EPS 3Y-22.76%
EPS 5Y-6.26%
EPS Q2Q%174.19%
EPS Next Y-7.11%
EPS Next 2Y13.33%
EPS Next 3Y10.31%
EPS Next 5YN/A
Revenue 1Y (TTM)-9.76%
Revenue growth 3Y2.41%
Revenue growth 5Y5.55%
Sales Q2Q%-1.94%
Revenue Next Year0.45%
Revenue Next 2Y4.34%
Revenue Next 3Y3.8%
Revenue Next 5YN/A
EBIT growth 1Y-16.48%
EBIT growth 3Y-6.57%
EBIT growth 5Y-4.44%
EBIT Next Year35.33%
EBIT Next 3Y21.7%
EBIT Next 5YN/A
FCF growth 1Y-64.2%
FCF growth 3YN/A
FCF growth 5Y2.06%
OCF growth 1Y-35.1%
OCF growth 3Y45.93%
OCF growth 5Y1.35%
INDEL B SPA / INDB.MI FAQ
Can you provide the ChartMill fundamental rating for INDEL B SPA?
ChartMill assigns a fundamental rating of 5 / 10 to INDB.MI.
Can you provide the valuation status for INDEL B SPA?
ChartMill assigns a valuation rating of 5 / 10 to INDEL B SPA (INDB.MI). This can be considered as Fairly Valued.
How profitable is INDEL B SPA (INDB.MI) stock?
INDEL B SPA (INDB.MI) has a profitability rating of 5 / 10.
What are the PE and PB ratios of INDEL B SPA (INDB.MI) stock?
The Price/Earnings (PE) ratio for INDEL B SPA (INDB.MI) is 9.57 and the Price/Book (PB) ratio is 0.79.
Can you provide the dividend sustainability for INDB stock?
The dividend rating of INDEL B SPA (INDB.MI) is 7 / 10 and the dividend payout ratio is 41.75%.