GEN DIGITAL INC (1NLOK.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1NLOK - US6687711084 - Common Stock
23 EUR
-1.4 (-5.74%)
We assign a fundamental rating of 5 out of 10 to 1NLOK. 1NLOK was compared to 119 industry peers in the Software industry. 1NLOK has an excellent profitability rating, but there are concerns on its financial health. 1NLOK may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
- 1NLOK had positive earnings in the past year.
- 1NLOK had a positive operating cash flow in the past year.
- In the past 5 years 1NLOK has always been profitable.
- In the past 5 years 1NLOK always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of 1NLOK (3.65%) is comparable to the rest of the industry.
- 1NLOK's Return On Equity of 25.24% is amongst the best of the industry. 1NLOK outperforms 81.98% of its industry peers.
- 1NLOK has a better Return On Invested Capital (7.68%) than 63.96% of its industry peers.
- 1NLOK had an Average Return On Invested Capital over the past 3 years of 6.59%. This is significantly below the industry average of 13.47%.
- The 3 year average ROIC (6.59%) for 1NLOK is below the current ROIC(7.68%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.65% | ||
| ROE | 25.24% | ||
| ROIC | 7.68% |
ROA(3y)5.48%
ROA(5y)7.44%
ROE(3y)39.34%
ROE(5y)N/A
ROIC(3y)6.59%
ROIC(5y)10.39%
1.3 Margins
- 1NLOK has a better Profit Margin (14.12%) than 64.86% of its industry peers.
- 1NLOK's Profit Margin has declined in the last couple of years.
- 1NLOK has a better Operating Margin (39.27%) than 93.69% of its industry peers.
- In the last couple of years the Operating Margin of 1NLOK has grown nicely.
- 1NLOK has a Gross Margin of 79.82%. This is in the better half of the industry: 1NLOK outperforms 67.57% of its industry peers.
- In the last couple of years the Gross Margin of 1NLOK has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 39.27% | ||
| PM (TTM) | 14.12% | ||
| GM | 79.82% |
OM growth 3Y3.57%
OM growth 5Y10.54%
PM growth 3Y-18.24%
PM growth 5Y-36.32%
GM growth 3Y-2.04%
GM growth 5Y-0.95%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 1NLOK is destroying value.
- 1NLOK has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, 1NLOK has more shares outstanding
- The debt/assets ratio for 1NLOK has been reduced compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 1.20, we must say that 1NLOK is in the distress zone and has some risk of bankruptcy.
- 1NLOK has a Altman-Z score of 1.20. This is in the lower half of the industry: 1NLOK underperforms 71.17% of its industry peers.
- The Debt to FCF ratio of 1NLOK is 6.57, which is on the high side as it means it would take 1NLOK, 6.57 years of fcf income to pay off all of its debts.
- 1NLOK has a Debt to FCF ratio (6.57) which is comparable to the rest of the industry.
- A Debt/Equity ratio of 3.63 is on the high side and indicates that 1NLOK has dependencies on debt financing.
- 1NLOK has a Debt to Equity ratio of 3.63. This is amonst the worse of the industry: 1NLOK underperforms 90.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.63 | ||
| Debt/FCF | 6.57 | ||
| Altman-Z | 1.2 |
ROIC/WACC0.76
WACC10.07%
2.3 Liquidity
- 1NLOK has a Current Ratio of 0.50. This is a bad value and indicates that 1NLOK is not financially healthy enough and could expect problems in meeting its short term obligations.
- Looking at the Current ratio, with a value of 0.50, 1NLOK is doing worse than 89.19% of the companies in the same industry.
- 1NLOK has a Quick Ratio of 0.50. This is a bad value and indicates that 1NLOK is not financially healthy enough and could expect problems in meeting its short term obligations.
- Looking at the Quick ratio, with a value of 0.50, 1NLOK is doing worse than 89.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.5 | ||
| Quick Ratio | 0.5 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 15.35% over the past year.
- The Earnings Per Share has been growing by 9.66% on average over the past years. This is quite good.
- The Revenue has grown by 10.34% in the past year. This is quite good.
- 1NLOK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.58% yearly.
EPS 1Y (TTM)15.35%
EPS 3Y8.25%
EPS 5Y9.66%
EPS Q2Q%20.75%
Revenue 1Y (TTM)10.34%
Revenue growth 3Y12.06%
Revenue growth 5Y9.58%
Sales Q2Q%30.26%
3.2 Future
- Based on estimates for the next years, 1NLOK will show a small growth in Earnings Per Share. The EPS will grow by 7.46% on average per year.
- Based on estimates for the next years, 1NLOK will show a small growth in Revenue. The Revenue will grow by 5.83% on average per year.
EPS Next Y15.32%
EPS Next 2Y13.87%
EPS Next 3Y12.82%
EPS Next 5Y7.46%
Revenue Next Year23.8%
Revenue Next 2Y14.04%
Revenue Next 3Y10.67%
Revenue Next 5Y5.83%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less 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
- A Price/Earnings ratio of 11.39 indicates a reasonable valuation of 1NLOK.
- 90.99% of the companies in the same industry are more expensive than 1NLOK, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of 1NLOK to the average of the S&P500 Index (27.38), we can say 1NLOK is valued rather cheaply.
- With a Price/Forward Earnings ratio of 9.23, the valuation of 1NLOK can be described as very reasonable.
- 91.89% of the companies in the same industry are more expensive than 1NLOK, based on the Price/Forward Earnings ratio.
- 1NLOK is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.39 | ||
| Fwd PE | 9.23 |
4.2 Price Multiples
- 1NLOK's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. 1NLOK is cheaper than 75.68% of the companies in the same industry.
- 87.39% of the companies in the same industry are more expensive than 1NLOK, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.13 | ||
| EV/EBITDA | 11.65 |
4.3 Compensation for Growth
- 1NLOK's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- The decent profitability rating of 1NLOK may justify a higher PE ratio.
- A more expensive valuation may be justified as 1NLOK's earnings are expected to grow with 12.82% in the coming years.
PEG (NY)0.74
PEG (5Y)1.18
EPS Next 2Y13.87%
EPS Next 3Y12.82%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.92%, 1NLOK has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 0.63, 1NLOK pays a better dividend. On top of this 1NLOK pays more dividend than 91.89% of the companies listed in the same industry.
- 1NLOK's Dividend Yield is comparable with the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.92% |
5.2 History
- The dividend of 1NLOK decreases each year by -47.18%.
Dividend Growth(5Y)-47.18%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 1NLOK pays out 52.43% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP52.43%
EPS Next 2Y13.87%
EPS Next 3Y12.82%
BIT:1NLOK (10/20/2025, 7:00:00 PM)
23
-1.4 (-5.74%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)08-07 2025-08-07/amc
Earnings (Next)11-06 2025-11-06/amc
Inst Owners88.51%
Inst Owner ChangeN/A
Ins Owners9.31%
Ins Owner ChangeN/A
Market Cap14.17B
Revenue(TTM)4.23B
Net Income(TTM)597.00M
Analysts76.25
Price Target29.7 (29.13%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.92% |
Yearly Dividend0.44
Dividend Growth(5Y)-47.18%
DP52.43%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.24%
Min EPS beat(2)0.75%
Max EPS beat(2)5.74%
EPS beat(4)3
Avg EPS beat(4)1.51%
Min EPS beat(4)-0.99%
Max EPS beat(4)5.74%
EPS beat(8)4
Avg EPS beat(8)0.4%
EPS beat(12)8
Avg EPS beat(12)1.1%
EPS beat(16)12
Avg EPS beat(16)1.32%
Revenue beat(2)2
Avg Revenue beat(2)2.52%
Min Revenue beat(2)0.3%
Max Revenue beat(2)4.75%
Revenue beat(4)2
Avg Revenue beat(4)0.89%
Min Revenue beat(4)-0.9%
Max Revenue beat(4)4.75%
Revenue beat(8)2
Avg Revenue beat(8)-0.05%
Revenue beat(12)3
Avg Revenue beat(12)0.29%
Revenue beat(16)3
Avg Revenue beat(16)-0.02%
PT rev (1m)11.02%
PT rev (3m)11.02%
EPS NQ rev (1m)2.15%
EPS NQ rev (3m)2.15%
EPS NY rev (1m)1.36%
EPS NY rev (3m)1.36%
Revenue NQ rev (1m)18.68%
Revenue NQ rev (3m)18.68%
Revenue NY rev (1m)2.21%
Revenue NY rev (3m)2.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.39 | ||
| Fwd PE | 9.23 | ||
| P/S | 3.87 | ||
| P/FCF | 12.13 | ||
| P/OCF | 11.98 | ||
| P/B | 6.92 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.65 |
EPS(TTM)2.02
EY8.78%
EPS(NY)2.49
Fwd EY10.83%
FCF(TTM)1.9
FCFY8.24%
OCF(TTM)1.92
OCFY8.35%
SpS5.94
BVpS3.32
TBVpS-15.39
PEG (NY)0.74
PEG (5Y)1.18
Graham Number12.29
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.65% | ||
| ROE | 25.24% | ||
| ROCE | 12.29% | ||
| ROIC | 7.68% | ||
| ROICexc | 8.18% | ||
| ROICexgc | N/A | ||
| OM | 39.27% | ||
| PM (TTM) | 14.12% | ||
| GM | 79.82% | ||
| FCFM | 31.91% |
ROA(3y)5.48%
ROA(5y)7.44%
ROE(3y)39.34%
ROE(5y)N/A
ROIC(3y)6.59%
ROIC(5y)10.39%
ROICexc(3y)7.07%
ROICexc(5y)14.76%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)10.55%
ROCE(5y)16.63%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y-35.61%
ROICexc growth 5Y-8.57%
OM growth 3Y3.57%
OM growth 5Y10.54%
PM growth 3Y-18.24%
PM growth 5Y-36.32%
GM growth 3Y-2.04%
GM growth 5Y-0.95%
F-Score6
Asset Turnover0.26
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.63 | ||
| Debt/FCF | 6.57 | ||
| Debt/EBITDA | 4.09 | ||
| Cap/Depr | 3.9% | ||
| Cap/Sales | 0.4% | ||
| Interest Coverage | 3.02 | ||
| Cash Conversion | 65.17% | ||
| Profit Quality | 225.96% | ||
| Current Ratio | 0.5 | ||
| Quick Ratio | 0.5 | ||
| Altman-Z | 1.2 |
F-Score6
WACC10.07%
ROIC/WACC0.76
Cap/Depr(3y)3.18%
Cap/Depr(5y)3.56%
Cap/Sales(3y)0.36%
Cap/Sales(5y)0.31%
Profit Quality(3y)193.32%
Profit Quality(5y)164.42%
High Growth Momentum
Growth
EPS 1Y (TTM)15.35%
EPS 3Y8.25%
EPS 5Y9.66%
EPS Q2Q%20.75%
EPS Next Y15.32%
EPS Next 2Y13.87%
EPS Next 3Y12.82%
EPS Next 5Y7.46%
Revenue 1Y (TTM)10.34%
Revenue growth 3Y12.06%
Revenue growth 5Y9.58%
Sales Q2Q%30.26%
Revenue Next Year23.8%
Revenue Next 2Y14.04%
Revenue Next 3Y10.67%
Revenue Next 5Y5.83%
EBIT growth 1Y37.87%
EBIT growth 3Y16.07%
EBIT growth 5Y21.14%
EBIT Next Year11.72%
EBIT Next 3Y9.47%
EBIT Next 5Y3.55%
FCF growth 1Y77.5%
FCF growth 3Y7.6%
FCF growth 5YN/A
OCF growth 1Y77.86%
OCF growth 3Y7.82%
OCF growth 5YN/A
GEN DIGITAL INC / 1NLOK.MI FAQ
What is the ChartMill fundamental rating of GEN DIGITAL INC (1NLOK.MI) stock?
ChartMill assigns a fundamental rating of 5 / 10 to 1NLOK.MI.
Can you provide the valuation status for GEN DIGITAL INC?
ChartMill assigns a valuation rating of 8 / 10 to GEN DIGITAL INC (1NLOK.MI). This can be considered as Undervalued.
What is the profitability of 1NLOK stock?
GEN DIGITAL INC (1NLOK.MI) has a profitability rating of 7 / 10.
Can you provide the PE and PB ratios for 1NLOK stock?
The Price/Earnings (PE) ratio for GEN DIGITAL INC (1NLOK.MI) is 11.39 and the Price/Book (PB) ratio is 6.92.
Can you provide the financial health for 1NLOK stock?
The financial health rating of GEN DIGITAL INC (1NLOK.MI) is 1 / 10.