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REVO INSURANCE SPA (REVO.MI) Stock Fundamental Analysis

BIT:REVO - Euronext Milan - Common Stock - Currency: EUR

12.8  +0.4 (+3.23%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to REVO. REVO was compared to 33 industry peers in the Insurance industry. While REVO seems to be doing ok healthwise, there are quite some concerns on its profitability. REVO is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

REVO had positive earnings in the past year.
In the past year REVO had a positive cash flow from operations.
REVO.MI Yearly Net Income VS EBIT VS OCF VS FCFREVO.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 0 -50M -100M

1.2 Ratios

REVO has a Return On Assets of 2.97%. This is amongst the best in the industry. REVO outperforms 83.33% of its industry peers.
REVO's Return On Equity of 5.87% is on the low side compared to the rest of the industry. REVO is outperformed by 75.00% of its industry peers.
With a decent Return On Invested Capital value of 2.52%, REVO is doing good in the industry, outperforming 77.78% of the companies in the same industry.
Industry RankSector Rank
ROA 2.97%
ROE 5.87%
ROIC 2.52%
ROA(3y)0.1%
ROA(5y)N/A
ROE(3y)0.4%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
REVO.MI Yearly ROA, ROE, ROICREVO.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 0 2 -2 4 -4 -6

1.3 Margins

The Profit Margin of REVO (8.24%) is comparable to the rest of the industry.
REVO has a Operating Margin of 8.67%. This is comparable to the rest of the industry: REVO outperforms 44.44% of its industry peers.
Industry RankSector Rank
OM 8.67%
PM (TTM) 8.24%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
REVO.MI Yearly Profit, Operating, Gross MarginsREVO.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 0 -100 -200 -300

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4

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so REVO is destroying value.
The number of shares outstanding for REVO has been reduced compared to 1 year ago.
REVO has a better debt/assets ratio than last year.
REVO.MI Yearly Shares OutstandingREVO.MI Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 5M 10M 15M 20M 25M
REVO.MI Yearly Total Debt VS Total AssetsREVO.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 100M 200M 300M 400M

2.2 Solvency

There is no outstanding debt for REVO. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.2
Altman-Z N/A
ROIC/WACC0.32
WACC7.99%
REVO.MI Yearly LT Debt VS Equity VS FCFREVO.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 0 100M -100M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
REVO.MI Yearly Current Assets VS Current LiabilitesREVO.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 10M 20M 30M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.87% over the past year.
The Revenue has grown by 71.82% in the past year. This is a very strong growth!
EPS 1Y (TTM)15.87%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%56.02%
Revenue 1Y (TTM)71.82%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%41.75%

3.2 Future

The Earnings Per Share is expected to grow by 37.37% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 22.80% on average over the next years. This is a very strong growth
EPS Next Y50.39%
EPS Next 2Y49.96%
EPS Next 3Y37.37%
EPS Next 5YN/A
Revenue Next Year42.41%
Revenue Next 2Y28.83%
Revenue Next 3Y22.8%
Revenue Next 5YN/A

3.3 Evolution

REVO.MI Yearly Revenue VS EstimatesREVO.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
REVO.MI Yearly EPS VS EstimatesREVO.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 24.62, which indicates a rather expensive current valuation of REVO.
Based on the Price/Earnings ratio, REVO is valued a bit more expensive than the industry average as 77.78% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 29.35. REVO is around the same levels.
REVO is valuated reasonably with a Price/Forward Earnings ratio of 9.14.
Compared to the rest of the industry, the Price/Forward Earnings ratio of REVO indicates a somewhat cheap valuation: REVO is cheaper than 69.44% of the companies listed in the same industry.
REVO is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 24.62
Fwd PE 9.14
REVO.MI Price Earnings VS Forward Price EarningsREVO.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

REVO's Price/Free Cash Flow ratio is rather cheap when compared to the industry. REVO is cheaper than 88.89% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.7
EV/EBITDA N/A
REVO.MI Per share dataREVO.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

REVO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as REVO's earnings are expected to grow with 37.37% in the coming years.
PEG (NY)0.49
PEG (5Y)N/A
EPS Next 2Y49.96%
EPS Next 3Y37.37%

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1

5. Dividend

5.1 Amount

REVO has a yearly dividend return of 0.66%, which is pretty low.
With a Dividend Yield of 0.66, REVO pays less dividend than the industry average, which is at 4.64. 80.56% of the companies listed in the same industry pay a better dividend than REVO!
With a Dividend Yield of 0.66, REVO pays less dividend than the S&P500 average, which is at 2.33.
Industry RankSector Rank
Dividend Yield 0.66%

5.2 History

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

5.3 Sustainability

DPN/A
EPS Next 2Y49.96%
EPS Next 3Y37.37%
REVO.MI Yearly Income VS Free CF VS DividendREVO.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2020 2021 2022 2023 0 -50M -100M

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REVO INSURANCE SPA

BIT:REVO (3/7/2025, 7:00:00 PM)

12.8

+0.4 (+3.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners10.97%
Inst Owner ChangeN/A
Ins Owners6.38%
Ins Owner ChangeN/A
Market Cap336.90M
Analysts86.67
Price Target12.52 (-2.19%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.66%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
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)-1.87%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.28%
Revenue NY rev (3m)0.66%
Valuation
Industry RankSector Rank
PE 24.62
Fwd PE 9.14
P/S 2.03
P/FCF 4.7
P/OCF 4.61
P/B 1.45
P/tB 2.37
EV/EBITDA N/A
EPS(TTM)0.52
EY4.06%
EPS(NY)1.4
Fwd EY10.94%
FCF(TTM)2.73
FCFY21.29%
OCF(TTM)2.78
OCFY21.71%
SpS6.3
BVpS8.84
TBVpS5.41
PEG (NY)0.49
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.97%
ROE 5.87%
ROCE 3.36%
ROIC 2.52%
ROICexc 2.56%
ROICexgc 4.12%
OM 8.67%
PM (TTM) 8.24%
GM N/A
FCFM 43.22%
ROA(3y)0.1%
ROA(5y)N/A
ROE(3y)0.4%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.36
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.2
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.86%
Interest Coverage 250
Cash Conversion N/A
Profit Quality 524.84%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.99%
ROIC/WACC0.32
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)678.79%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)15.87%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%56.02%
EPS Next Y50.39%
EPS Next 2Y49.96%
EPS Next 3Y37.37%
EPS Next 5YN/A
Revenue 1Y (TTM)71.82%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%41.75%
Revenue Next Year42.41%
Revenue Next 2Y28.83%
Revenue Next 3Y22.8%
Revenue Next 5YN/A
EBIT growth 1Y23.12%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y108.2%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y23.8%
OCF growth 3YN/A
OCF growth 5YN/A