CONAFI SPA (CNF.MI) Fundamental Analysis & Valuation

BIT:CNF • IT0004105653

Current stock price

0.16 EUR
+0.01 (+4.23%)
Last:

This CNF.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. CNF.MI Profitability Analysis

1.1 Basic Checks

  • In the past year CNF has reported negative net income.
  • CNF had a negative operating cash flow in the past year.
  • CNF had negative earnings in each of the past 5 years.
  • In the past 5 years CNF reported 4 times negative operating cash flow.
CNF.MI Yearly Net Income VS EBIT VS OCF VS FCFCNF.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 0 5M -5M

1.2 Ratios

  • CNF's Return On Assets of -6.42% is on the low side compared to the rest of the industry. CNF is outperformed by 87.50% of its industry peers.
  • The Return On Equity of CNF (-11.52%) is worse than 75.00% of its industry peers.
Industry RankSector Rank
ROA -6.42%
ROE -11.52%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
CNF.MI Yearly ROA, ROE, ROICCNF.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 0 5 -5 -10 -15

1.3 Margins

  • CNF has a better Gross Margin (94.26%) than 75.00% of its industry peers.
  • CNF's Gross Margin has improved in the last couple of years.
  • CNF does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 94.26%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y25.28%
GM growth 5Y5.6%
CNF.MI Yearly Profit, Operating, Gross MarginsCNF.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 0 -100 -200

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ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. CNF.MI Health Analysis

2.1 Basic Checks

  • CNF does not have a ROIC to compare to the WACC, probably because it is not profitable.
CNF.MI Yearly Shares OutstandingCNF.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2023 10M 20M 30M 40M
CNF.MI Yearly Total Debt VS Total AssetsCNF.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2023 10M 20M 30M 40M 50M

2.2 Solvency

  • Based on the Altman-Z score of 1.37, we must say that CNF is in the distress zone and has some risk of bankruptcy.
  • CNF's Altman-Z score of 1.37 is amongst the best of the industry. CNF outperforms 87.50% of its industry peers.
  • CNF has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 1.37
ROIC/WACCN/A
WACC7.93%
CNF.MI Yearly LT Debt VS Equity VS FCFCNF.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 0 10M 20M

2.3 Liquidity

  • A Current Ratio of 5.03 indicates that CNF has no problem at all paying its short term obligations.
  • With an excellent Current ratio value of 5.03, CNF belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • CNF has a Quick Ratio of 5.03. This indicates that CNF is financially healthy and has no problem in meeting its short term obligations.
  • CNF has a Quick ratio of 5.03. This is amongst the best in the industry. CNF outperforms 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 5.03
Quick Ratio 5.03
CNF.MI Yearly Current Assets VS Current LiabilitesCNF.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2023 5M 10M 15M 20M 25M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. CNF.MI Growth Analysis

3.1 Past

  • CNF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -67.52%.
  • Looking at the last year, CNF shows a quite strong growth in Revenue. The Revenue has grown by 11.14% in the last year.
  • CNF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.22% yearly.
EPS 1Y (TTM)-67.52%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%56.48%
Revenue 1Y (TTM)11.14%
Revenue growth 3Y24.2%
Revenue growth 5Y2.22%
Sales Q2Q%199.24%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CNF.MI Yearly Revenue VS EstimatesCNF.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M

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0

4. CNF.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • CNF reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
CNF.MI Price Earnings VS Forward Price EarningsCNF.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CNF.MI Per share dataCNF.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.1 0.2 0.3

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. CNF.MI Dividend Analysis

5.1 Amount

  • CNF has a Yearly Dividend Yield of 14.13%, which is a nice return.
  • The stock price of CNF dropped by -32.20% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • Compared to an average industry Dividend Yield of 1.66, CNF pays a better dividend. On top of this CNF pays more dividend than 87.50% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, CNF pays a better dividend.
Industry RankSector Rank
Dividend Yield 14.13%

5.2 History

  • The dividend of CNF decreases each year by -14.76%.
Dividend Growth(5Y)-14.76%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

DP0%
EPS Next 2YN/A
EPS Next 3YN/A
CNF.MI Yearly Income VS Free CF VS DividendCNF.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 0 5M -5M

More info and screens

Find the best dividend stocksShow peers with best dividend

CNF.MI Fundamentals: All Metrics, Ratios and Statistics

CONAFI SPA

BIT:CNF (3/10/2025, 7:00:00 PM)

0.16

+0.01 (+4.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners0.02%
Inst Owner ChangeN/A
Ins Owners81.74%
Ins Owner ChangeN/A
Market Cap5.91M
Revenue(TTM)6.14M
Net Income(TTM)-1.45M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 14.13%
Yearly Dividend0.03
Dividend Growth(5Y)-14.76%
DP0%
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.96
P/FCF N/A
P/OCF N/A
P/B 0.47
P/tB 0.48
EV/EBITDA N/A
EPS(TTM)-0.04
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.03
FCFYN/A
OCF(TTM)-0.02
OCFYN/A
SpS0.17
BVpS0.34
TBVpS0.33
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -6.42%
ROE -11.52%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 94.26%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
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
ROICexgc growth 3YN/A
ROICexgc 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 3Y25.28%
GM growth 5Y5.6%
F-Score5
Asset Turnover0.27
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 582.46%
Cap/Sales 5.4%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 5.03
Quick Ratio 5.03
Altman-Z 1.37
F-Score5
WACC7.93%
ROIC/WACCN/A
Cap/Depr(3y)294.92%
Cap/Depr(5y)192.25%
Cap/Sales(3y)3.59%
Cap/Sales(5y)2.86%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-67.52%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%56.48%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.14%
Revenue growth 3Y24.2%
Revenue growth 5Y2.22%
Sales Q2Q%199.24%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-74.91%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y88.14%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y91.4%
OCF growth 3YN/A
OCF growth 5YN/A

CONAFI SPA / CNF.MI Fundamental Analysis FAQ

What is the ChartMill fundamental rating of CONAFI SPA (CNF.MI) stock?

ChartMill assigns a fundamental rating of 3 / 10 to CNF.MI.


What is the valuation status for CNF stock?

ChartMill assigns a valuation rating of 0 / 10 to CONAFI SPA (CNF.MI). This can be considered as Overvalued.


Can you provide the profitability details for CONAFI SPA?

CONAFI SPA (CNF.MI) has a profitability rating of 1 / 10.


Is the dividend of CONAFI SPA sustainable?

The dividend rating of CONAFI SPA (CNF.MI) is 6 / 10 and the dividend payout ratio is 0%.