INDEL B SPA (INDB.MI) Fundamental Analysis & Valuation

BIT:INDB • IT0005245508

Current stock price

18.8 EUR
-0.12 (-0.66%)
Last:

This INDB.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. INDB.MI Profitability Analysis

1.1 Basic Checks

  • INDB had positive earnings in the past year.
  • In the past year INDB had a positive cash flow from operations.
  • 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.
INDB.MI Yearly Net Income VS EBIT VS OCF VS FCFINDB.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M 30M

1.2 Ratios

  • INDB has a better Return On Assets (4.08%) than 77.14% of its industry peers.
  • INDB has a Return On Equity of 7.64%. This is in the better half of the industry: INDB outperforms 71.43% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 5.27%, INDB is in line with its industry, outperforming 60.00% of the companies in the same industry.
  • 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 9.68%.
Industry RankSector 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%
INDB.MI Yearly ROA, ROE, ROICINDB.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

  • INDB has a Profit Margin of 5.34%. This is in the better half of the industry: INDB outperforms 77.14% of its industry peers.
  • In the last couple of years the Profit Margin of INDB has declined.
  • INDB has a better Operating Margin (6.74%) than 62.86% of its industry peers.
  • In the last couple of years the Operating Margin of INDB has declined.
  • 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 RankSector 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%
INDB.MI Yearly Profit, Operating, Gross MarginsINDB.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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6

2. INDB.MI Health Analysis

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.
  • The number of shares outstanding for INDB has been reduced compared to 5 years ago.
  • Compared to 1 year ago, INDB has an improved debt to assets ratio.
INDB.MI Yearly Shares OutstandingINDB.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M
INDB.MI Yearly Total Debt VS Total AssetsINDB.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.2 Solvency

  • INDB has an Altman-Z score of 1.97. This is not the best score and indicates that INDB is in the grey zone with still only limited risk for bankruptcy at the moment.
  • With a Altman-Z score value of 1.97, INDB perfoms like the industry average, outperforming 51.43% of the companies in the same industry.
  • 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.
  • INDB has a Debt to FCF ratio of 9.81. This is in the better half of the industry: INDB outperforms 62.86% of its industry peers.
  • A Debt/Equity ratio of 0.26 indicates that INDB is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.26, INDB is in the better half of the industry, outperforming 74.29% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 9.81
Altman-Z 1.97
ROIC/WACC0.79
WACC6.64%
INDB.MI Yearly LT Debt VS Equity VS FCFINDB.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M 100M

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 Current ratio of 2.05. This is in the better half of the industry: INDB outperforms 71.43% of its industry peers.
  • A Quick Ratio of 1.10 indicates that INDB should not have too much problems paying its short term obligations.
  • With a decent Quick ratio value of 1.10, INDB is doing good in the industry, outperforming 71.43% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.05
Quick Ratio 1.1
INDB.MI Yearly Current Assets VS Current LiabilitesINDB.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

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

3

3. INDB.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.59% over the past year.
  • Measured over the past years, INDB shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.26% on average per year.
  • INDB shows a decrease in Revenue. In the last year, the revenue decreased by -9.76%.
  • 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.
  • Based on estimates for the next years, INDB will show a small growth in Revenue. The Revenue will grow by 3.29% on average per year.
EPS Next Y-7.11%
EPS Next 2Y13.33%
EPS Next 3Y10.31%
EPS Next 5YN/A
Revenue Next Year0.45%
Revenue Next 2Y4.57%
Revenue Next 3Y3.8%
Revenue Next 5Y3.29%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
INDB.MI Yearly Revenue VS EstimatesINDB.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 50M 100M 150M 200M
INDB.MI Yearly EPS VS EstimatesINDB.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. INDB.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.59, which indicates a very decent valuation of INDB.
  • 80.00% of the companies in the same industry are more expensive than INDB, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.51, INDB is valued rather cheaply.
  • INDB is valuated cheaply with a Price/Forward Earnings ratio of 6.38.
  • INDB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. INDB is cheaper than 80.00% of the companies in the same industry.
  • INDB is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.41, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.59
Fwd PE 6.38
INDB.MI Price Earnings VS Forward Price EarningsINDB.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • INDB's Enterprise Value to EBITDA is on the same level as the industry average.
  • Based on the Price/Free Cash Flow ratio, INDB is valued a bit cheaper than 62.86% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.01
EV/EBITDA 6.9
INDB.MI Per share dataINDB.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y13.33%
EPS Next 3Y10.31%

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

6

5. INDB.MI Dividend Analysis

5.1 Amount

  • INDB has a Yearly Dividend Yield of 3.17%.
  • Compared to an average industry Dividend Yield of 2.90, INDB has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, INDB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.17%

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%
INDB.MI Yearly Income VS Free CF VS DividendINDB.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M
INDB.MI Dividend Payout.INDB.MI Dividend Payout, showing the Payout Ratio.INDB.MI Dividend Payout.PayoutRetained Earnings

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INDB.MI Fundamentals: All Metrics, Ratios and Statistics

INDEL B SPA

BIT:INDB (4/15/2026, 7:00:00 PM)

18.8

-0.12 (-0.66%)

Chartmill FA Rating
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Industry Strength36.49
Industry Growth38
Earnings (Last)04-10
Earnings (Next)05-12
Inst Owners10.28%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap109.79M
Revenue(TTM)199.57M
Net Income(TTM)10.66M
Analysts42.22
Price Target26.52 (41.06%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.17%
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)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
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 9.59
Fwd PE 6.38
P/S 0.55
P/FCF 18.01
P/OCF 7.83
P/B 0.79
P/tB 1.14
EV/EBITDA 6.9
EPS(TTM)1.96
EY10.43%
EPS(NY)2.95
Fwd EY15.68%
FCF(TTM)1.04
FCFY5.55%
OCF(TTM)2.4
OCFY12.77%
SpS34.17
BVpS23.88
TBVpS16.47
PEG (NY)N/A
PEG (5Y)N/A
Graham Number32.449 (72.6%)
Profitability
Industry RankSector 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 RankSector 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 1.97
F-Score6
WACC6.64%
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 2Y4.57%
Revenue Next 3Y3.8%
Revenue Next 5Y3.29%
EBIT growth 1Y-16.48%
EBIT growth 3Y-6.57%
EBIT growth 5Y-4.44%
EBIT Next Year41.32%
EBIT Next 3Y23.16%
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 Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for INDEL B SPA?

ChartMill assigns a fundamental rating of 5 / 10 to INDB.MI.


What is the valuation status for INDB stock?

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


Can you provide the profitability details for INDEL B SPA?

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 9.59 and the Price/Book (PB) ratio is 0.79.


What is the earnings growth outlook for INDEL B SPA?

The Earnings per Share (EPS) of INDEL B SPA (INDB.MI) is expected to decline by -7.11% in the next year.