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CONAFI SPA (CNF.MI) Stock Fundamental Analysis

BIT:CNF - Euronext Milan - IT0004105653 - Common Stock - Currency: EUR

0.16  +0.01 (+4.23%)

Fundamental Rating

3

Taking everything into account, CNF scores 3 out of 10 in our fundamental rating. CNF was compared to 9 industry peers in the Consumer Finance industry. No worries on liquidiy or solvency for CNF as it has an excellent financial health rating, but there are worries on the profitability. CNF does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

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.
In the past 5 years CNF always reported negative net income.
CNF had negative operating cash flow in 4 of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5M -5M

1.2 Ratios

CNF has a Return On Assets of -6.42%. This is amonst the worse of the industry: CNF underperforms 87.50% of its industry peers.
CNF has a worse Return On Equity (-11.52%) 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5 -5 -10 -15

1.3 Margins

With a decent Gross Margin value of 94.26%, CNF is doing good in the industry, outperforming 75.00% of the companies in the same industry.
In the last couple of years the Gross Margin of CNF has grown nicely.
The Profit Margin and Operating Margin are not available for CNF so they could not be analyzed.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 -100 -200

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7

2. Health

2.1 Basic Checks

CNF does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CNF remains at a similar level compared to 5 years ago.
CNF.MI Yearly Shares OutstandingCNF.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2023 10M 20M 30M 40M 50M

2.2 Solvency

CNF has an Altman-Z score of 1.37. This is a bad value and indicates that CNF is not financially healthy and even 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10M 20M

2.3 Liquidity

CNF has a Current Ratio of 5.03. This indicates that CNF is financially healthy and has no problem in meeting its short term obligations.
CNF has a better Current ratio (5.03) than 100.00% of its industry peers.
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.
The Quick ratio of CNF (5.03) is better than 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 2015 2016 2017 2018 2019 2020 2021 2023 5M 10M 15M 20M 25M

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1

3. Growth

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.
Measured over the past years, CNF shows a small growth in Revenue. The Revenue has been growing by 2.22% on average per year.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5M 10M 15M

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CNF. In the last year negative earnings were reported.
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

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6

5. Dividend

5.1 Amount

CNF has a Yearly Dividend Yield of 14.13%, which is a nice return.
In the last 3 months the price of CNF has falen by -32.20%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
CNF's Dividend Yield is rather good when compared to the industry average which is at 3.95. CNF pays more dividend than 87.50% of the companies in the same industry.
CNF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5M -5M

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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 N/A
Earnings (Next)N/A N/A
Inst Owners0.02%
Inst Owner ChangeN/A
Ins Owners81.74%
Ins Owner ChangeN/A
Market Cap5.91M
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
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
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 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