GEN DIGITAL INC (1NLOK.MI) Fundamental Analysis & Valuation
BIT:1NLOK • US6687711084
Current stock price
19.1 EUR
-3.9 (-16.96%)
Last:
This 1NLOK.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. 1NLOK.MI Profitability Analysis
1.1 Basic Checks
- In the past year 1NLOK was profitable.
- 1NLOK had a positive operating cash flow in the past year.
- 1NLOK had positive earnings in each of the past 5 years.
- Each year in the past 5 years 1NLOK had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of 1NLOK (3.65%) is comparable to the rest of the industry.
- The Return On Equity of 1NLOK (25.24%) is better than 81.82% of its industry peers.
- The Return On Invested Capital of 1NLOK (7.68%) is better than 60.33% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for 1NLOK is significantly below the industry average of 12.77%.
- The last Return On Invested Capital (7.68%) for 1NLOK is above the 3 year average (6.59%), which is a sign of increasing profitability.
| 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 Profit Margin of 14.12%. This is in the better half of the industry: 1NLOK outperforms 64.46% of its industry peers.
- 1NLOK's Profit Margin has declined in the last couple of years.
- Looking at the Operating Margin, with a value of 39.27%, 1NLOK belongs to the top of the industry, outperforming 95.87% of the companies in the same industry.
- 1NLOK's Operating Margin has improved in the last couple of years.
- 1NLOK has a Gross Margin of 79.82%. This is in the better half of the industry: 1NLOK outperforms 63.64% of its industry peers.
- 1NLOK's Gross Margin has been stable in the last couple of years.
| 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. 1NLOK.MI Health Analysis
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 1NLOK is destroying value.
- The number of shares outstanding for 1NLOK has been reduced compared to 1 year ago.
- The number of shares outstanding for 1NLOK has been increased compared to 5 years ago.
- The debt/assets ratio for 1NLOK has been reduced compared to a year ago.
2.2 Solvency
- 1NLOK has an Altman-Z score of 1.08. This is a bad value and indicates that 1NLOK is not financially healthy and even has some risk of bankruptcy.
- 1NLOK has a Altman-Z score of 1.08. This is in the lower half of the industry: 1NLOK underperforms 70.25% 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 in line with its industry peers.
- A Debt/Equity ratio of 3.63 is on the high side and indicates that 1NLOK has dependencies on debt financing.
- With a Debt to Equity ratio value of 3.63, 1NLOK is not doing good in the industry: 90.91% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.63 | ||
| Debt/FCF | 6.57 | ||
| Altman-Z | 1.08 |
ROIC/WACC0.78
WACC9.88%
2.3 Liquidity
- A Current Ratio of 0.50 indicates that 1NLOK may have some problems paying its short term obligations.
- The Current ratio of 1NLOK (0.50) is worse than 91.74% of its industry peers.
- 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.
- 1NLOK has a worse Quick ratio (0.50) than 91.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.5 | ||
| Quick Ratio | 0.5 |
3. 1NLOK.MI Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an nice 15.35% over the past year.
- 1NLOK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.66% yearly.
- The Revenue has grown by 10.34% in the past year. This is quite good.
- Measured over the past years, 1NLOK shows a quite strong growth in Revenue. The Revenue has been growing by 9.58% on average per year.
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.
- The Revenue is expected to grow by 5.83% on average over the next years.
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. 1NLOK.MI Valuation Analysis
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 9.46, which indicates a very decent valuation of 1NLOK.
- 91.74% of the companies in the same industry are more expensive than 1NLOK, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 25.71. 1NLOK is valued rather cheaply when compared to this.
- With a Price/Forward Earnings ratio of 7.66, the valuation of 1NLOK can be described as very cheap.
- Based on the Price/Forward Earnings ratio, 1NLOK is valued cheaper than 94.21% of the companies in the same industry.
- 1NLOK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.46 | ||
| Fwd PE | 7.66 |
4.2 Price Multiples
- 1NLOK's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. 1NLOK is cheaper than 76.86% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, 1NLOK is valued cheaper than 89.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.07 | ||
| EV/EBITDA | 10.32 |
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)0.62
PEG (5Y)0.98
EPS Next 2Y13.87%
EPS Next 3Y12.82%
5. 1NLOK.MI Dividend Analysis
5.1 Amount
- 1NLOK has a Yearly Dividend Yield of 2.38%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 0.78, 1NLOK pays a better dividend. On top of this 1NLOK pays more dividend than 90.91% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.91, 1NLOK pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
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%
1NLOK.MI Fundamentals: All Metrics, Ratios and Statistics
BIT:1NLOK (3/2/2026, 7:00:00 PM)
19.1
-3.9 (-16.96%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-05 2026-02-05/amc
Earnings (Next)05-04 2026-05-04/amc
Inst Owners90.71%
Inst Owner ChangeN/A
Ins Owners9.44%
Ins Owner ChangeN/A
Market Cap11.57B
Revenue(TTM)4.23B
Net Income(TTM)597.00M
Analysts75
Price Target28.14 (47.33%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
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)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.46 | ||
| Fwd PE | 7.66 | ||
| P/S | 3.21 | ||
| P/FCF | 10.07 | ||
| P/OCF | 9.94 | ||
| P/B | 5.74 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.32 |
EPS(TTM)2.02
EY10.58%
EPS(NY)2.49
Fwd EY13.05%
FCF(TTM)1.9
FCFY9.93%
OCF(TTM)1.92
OCFY10.06%
SpS5.94
BVpS3.33
TBVpS-15.4
PEG (NY)0.62
PEG (5Y)0.98
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 | 1.08 |
F-Score6
WACC9.88%
ROIC/WACC0.78
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 Fundamental Analysis 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 9 / 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 9.46 and the Price/Book (PB) ratio is 5.74.
Can you provide the financial health for 1NLOK stock?
The financial health rating of GEN DIGITAL INC (1NLOK.MI) is 1 / 10.