GEN DIGITAL INC (1NLOK.MI) Stock Fundamental Analysis
Europe - BIT:1NLOK - US6687711084 - Common Stock
23 EUR
-1.4 (-5.74%)
Taking everything into account, 1NLOK scores 5 out of 10 in our fundamental rating. 1NLOK was compared to 111 industry peers in the Software industry. 1NLOK scores excellent on profitability, but there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on 1NLOK.
1. Profitability
1.1 Basic Checks
In the past year 1NLOK was profitable.
In the past year 1NLOK had a positive cash flow from operations.
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
1NLOK has a Return On Assets of 3.65%. This is comparable to the rest of the industry: 1NLOK outperforms 51.35% of its industry peers.
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 12.66%.
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's Profit Margin of 14.12% is fine compared to the rest of the industry. 1NLOK outperforms 64.86% of its industry peers.
1NLOK's Profit Margin has declined in the last couple of years.
With an excellent Operating Margin value of 39.27%, 1NLOK belongs to the best of the industry, outperforming 93.69% of the companies in the same industry.
In the last couple of years the Operating Margin of 1NLOK has grown nicely.
The Gross Margin of 1NLOK (79.82%) is better than 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.
Compared to 1 year ago, 1NLOK has less shares outstanding
The number of shares outstanding for 1NLOK has been increased compared to 5 years ago.
Compared to 1 year ago, 1NLOK has an improved debt to assets ratio.
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 worse Altman-Z score (1.20) than 71.17% of its industry peers.
1NLOK has a debt to FCF ratio of 6.57. This is a slightly negative value and a sign of low solvency as 1NLOK would need 6.57 years to pay back of all of its debts.
1NLOK's Debt to FCF ratio of 6.57 is in line compared to the rest of the industry. 1NLOK outperforms 48.65% of its industry peers.
1NLOK has a Debt/Equity ratio of 3.63. This is a high value indicating a heavy dependency on external financing.
1NLOK's Debt to Equity ratio of 3.63 is on the low side compared to the rest of the industry. 1NLOK is outperformed by 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.
1NLOK has a worse Current ratio (0.50) than 89.19% 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 89.19% of its industry peers.
| 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.
Measured over the past years, 1NLOK shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.66% on average per year.
1NLOK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.34%.
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
The Earnings Per Share is expected to grow by 7.46% on average over the next years.
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
1NLOK is valuated reasonably with a Price/Earnings ratio of 11.39.
1NLOK's Price/Earnings ratio is rather cheap when compared to the industry. 1NLOK is cheaper than 90.99% of the companies in the same industry.
When comparing the Price/Earnings ratio of 1NLOK to the average of the S&P500 Index (26.34), we can say 1NLOK is valued rather cheaply.
1NLOK is valuated reasonably with a Price/Forward Earnings ratio of 9.23.
Based on the Price/Forward Earnings ratio, 1NLOK is valued cheaply inside the industry as 91.89% of the companies are valued more expensively.
1NLOK is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.43, 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
Based on the Enterprise Value to EBITDA ratio, 1NLOK is valued a bit cheaper than the industry average as 75.68% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, 1NLOK is valued cheaper than 87.39% of the companies in the same industry.
| 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.
1NLOK's Dividend Yield is rather good when compared to the industry average which is at 2.24. 1NLOK pays more dividend than 91.89% of the companies in the same industry.
1NLOK's Dividend Yield is comparable with the S&P500 average which is at 2.36.
| 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
52.43% of the earnings are spent on dividend by 1NLOK. 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)
Earnings (Next)
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.
What is the valuation status of GEN DIGITAL INC (1NLOK.MI) stock?
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.
What are the PE and PB ratios of GEN DIGITAL INC (1NLOK.MI) stock?
The Price/Earnings (PE) ratio for GEN DIGITAL INC (1NLOK.MI) is 11.39 and the Price/Book (PB) ratio is 6.92.
What is the earnings growth outlook for GEN DIGITAL INC?
The Earnings per Share (EPS) of GEN DIGITAL INC (1NLOK.MI) is expected to grow by 15.32% in the next year.