INDEL B SPA (INDB.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:INDB - IT0005245508 - Common Stock
19.5 EUR
+0.75 (+4%)
Overall INDB gets a fundamental rating of 5 out of 10. We evaluated INDB against 32 industry peers in the Household Durables industry. Both the profitability and the financial health of INDB get a neutral evaluation. Nothing too spectacular is happening here. INDB is valued correctly, but it does not seem to be growing. INDB also has an excellent dividend rating. These ratings would make INDB suitable for dividend investing!
1. Profitability
1.1 Basic Checks
In the past year INDB was profitable.
In the past year INDB had a positive cash flow from operations.
In the past 5 years INDB has always been profitable.
INDB had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
INDB has a Return On Assets of 4.08%. This is in the better half of the industry: INDB outperforms 75.00% of its industry peers.
INDB has a better Return On Equity (7.64%) than 66.67% of its industry peers.
INDB has a Return On Invested Capital (5.27%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for INDB is in line with the industry average of 9.55%.
| 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 75.00% of its industry peers.
In the last couple of years the Profit Margin of INDB has declined.
INDB's Operating Margin of 6.74% is fine compared to the rest of the industry. INDB outperforms 61.11% of its industry peers.
In the last couple of years the Operating Margin of INDB has declined.
INDB's Gross Margin of 42.99% is in line compared to the rest of the industry. INDB outperforms 55.56% of its industry peers.
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
INDB has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
INDB has less shares outstanding than it did 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
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.
Looking at the Altman-Z score, with a value of 1.97, INDB is in line with its industry, outperforming 50.00% 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 comparable to the rest of the industry: INDB outperforms 58.33% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that INDB is not too dependend on debt financing.
INDB has a better Debt to Equity ratio (0.26) than 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 9.81 | ||
| Altman-Z | 1.97 |
ROIC/WACC0.79
WACC6.69%
2.3 Liquidity
A Current Ratio of 2.05 indicates that INDB has no problem at all paying its short term obligations.
The Current ratio of INDB (2.05) is better than 72.22% of its industry peers.
INDB has a Quick Ratio of 1.10. This is a normal value and indicates that INDB is financially healthy and should not expect problems in meeting its short term obligations.
INDB has a Quick ratio of 1.10. This is in the better half 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.
The Earnings Per Share has been decreasing by -6.26% on average over the past years.
INDB shows a decrease in Revenue. In the last year, the revenue decreased by -9.76%.
The Revenue has been growing slightly by 5.55% on average over the past years.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 9.95, which indicates a very decent valuation of INDB.
Based on the Price/Earnings ratio, INDB is valued cheaper than 80.56% of the companies in the same industry.
INDB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.17.
INDB is valuated cheaply with a Price/Forward Earnings ratio of 6.62.
Based on the Price/Forward Earnings ratio, INDB is valued cheaper than 86.11% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.79. INDB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.95 | ||
| Fwd PE | 6.62 |
4.2 Price Multiples
INDB's Enterprise Value to EBITDA ratio is in line with the industry average.
INDB's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.68 | ||
| EV/EBITDA | 6.89 |
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 4.15%, which is a nice return.
Compared to an average industry Dividend Yield of 2.69, INDB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.94, INDB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.15% |
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 (1/5/2026, 7:00:00 PM)
19.5
+0.75 (+4%)
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 Cap113.88M
Revenue(TTM)199.57M
Net Income(TTM)10.66M
Analysts42.22
Price Target26.52 (36%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.15% |
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)4%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
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 | 9.95 | ||
| Fwd PE | 6.62 | ||
| P/S | 0.57 | ||
| P/FCF | 18.68 | ||
| P/OCF | 8.12 | ||
| P/B | 0.82 | ||
| P/tB | 1.18 | ||
| EV/EBITDA | 6.89 |
EPS(TTM)1.96
EY10.05%
EPS(NY)2.95
Fwd EY15.12%
FCF(TTM)1.04
FCFY5.35%
OCF(TTM)2.4
OCFY12.31%
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 | 1.97 |
F-Score6
WACC6.69%
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 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 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 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.
How financially healthy is INDEL B SPA?
The financial health rating of INDEL B SPA (INDB.MI) is 6 / 10.
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.