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DIRECTA SIM SPA (D.MI) Stock Fundamental Analysis

Europe - BIT:D - IT0001463063 - Common Stock

5.02 EUR
-0.1 (-1.95%)
Last: 10/14/2025, 7:00:00 PM
Fundamental Rating

7

D gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 113 industry peers in the Capital Markets industry. D has an excellent profitability rating, but there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on D. With these ratings, D could be worth investigating further for value investing!.


Dividend Valuation Growth Profitability Health

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9

1. Profitability

1.1 Basic Checks

D had positive earnings in the past year.
D had a positive operating cash flow in the past year.
D had positive earnings in each of the past 5 years.
D had a positive operating cash flow in 4 of the past 5 years.
D.MI Yearly Net Income VS EBIT VS OCF VS FCFD.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M -20M

1.2 Ratios

Looking at the Return On Assets, with a value of 9.19%, D belongs to the top of the industry, outperforming 86.73% of the companies in the same industry.
D has a better Return On Equity (24.63%) than 89.38% of its industry peers.
D has a Return On Invested Capital of 11.14%. This is amongst the best in the industry. D outperforms 88.50% of its industry peers.
The Average Return On Invested Capital over the past 3 years for D is in line with the industry average of 8.16%.
The last Return On Invested Capital (11.14%) for D is above the 3 year average (9.42%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 9.19%
ROE 24.63%
ROIC 11.14%
ROA(3y)7.89%
ROA(5y)6.73%
ROE(3y)21.72%
ROE(5y)19.8%
ROIC(3y)9.42%
ROIC(5y)8.5%
D.MI Yearly ROA, ROE, ROICD.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20

1.3 Margins

The Profit Margin of D (26.15%) is better than 71.68% of its industry peers.
D's Profit Margin has improved in the last couple of years.
D's Operating Margin of 44.94% is amongst the best of the industry. D outperforms 84.96% of its industry peers.
In the last couple of years the Operating Margin of D has grown nicely.
D has a Gross Margin of 86.00%. This is amongst the best in the industry. D outperforms 84.96% of its industry peers.
D's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 44.94%
PM (TTM) 26.15%
GM 86%
OM growth 3Y12%
OM growth 5Y28.44%
PM growth 3Y13.33%
PM growth 5YN/A
GM growth 3Y2.54%
GM growth 5Y2.24%
D.MI Yearly Profit, Operating, Gross MarginsD.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

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6

2. Health

2.1 Basic Checks

Compared to 1 year ago, D has about the same amount of shares outstanding.
The number of shares outstanding for D has been increased compared to 5 years ago.
The debt/assets ratio for D has remained at the same level compared to a year ago.
D.MI Yearly Shares OutstandingD.MI Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
D.MI Yearly Total Debt VS Total AssetsD.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

2.2 Solvency

D has an Altman-Z score of 2.10. This is not the best score and indicates that D is in the grey zone with still only limited risk for bankruptcy at the moment.
The Altman-Z score of D (2.10) is better than 65.49% of its industry peers.
D has a debt to FCF ratio of 4.53. This is a neutral value as D would need 4.53 years to pay back of all of its debts.
D has a Debt to FCF ratio of 4.53. This is in the better half of the industry: D outperforms 69.91% of its industry peers.
D has a Debt/Equity ratio of 1.50. This is a high value indicating a heavy dependency on external financing.
D has a Debt to Equity ratio of 1.50. This is comparable to the rest of the industry: D outperforms 44.25% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.5
Debt/FCF 4.53
Altman-Z 2.1
ROIC/WACCN/A
WACCN/A
D.MI Yearly LT Debt VS Equity VS FCFD.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M

2.3 Liquidity

A Current Ratio of 2.52 indicates that D has no problem at all paying its short term obligations.
With an excellent Current ratio value of 2.52, D belongs to the best of the industry, outperforming 82.30% of the companies in the same industry.
D has a Quick Ratio of 2.52. This indicates that D is financially healthy and has no problem in meeting its short term obligations.
D has a Quick ratio of 2.52. This is amongst the best in the industry. D outperforms 83.19% of its industry peers.
Industry RankSector Rank
Current Ratio 2.52
Quick Ratio 2.52
D.MI Yearly Current Assets VS Current LiabilitesD.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

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5

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 5.96% over the past year.
The Earnings Per Share has been growing by 23.71% on average over the past years. This is a very strong growth
D shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.84%.
The Revenue has been growing by 21.58% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)5.96%
EPS 3Y23.71%
EPS 5YN/A
EPS Q2Q%8.07%
Revenue 1Y (TTM)11.84%
Revenue growth 3Y13.91%
Revenue growth 5Y21.58%
Sales Q2Q%5.47%

3.2 Future

D is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.60% yearly.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y23.21%
EPS Next 2Y12.6%
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

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
D.MI Yearly Revenue VS EstimatesD.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
D.MI Yearly EPS VS EstimatesD.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

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9

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.97, which indicates a rather cheap valuation of D.
Compared to the rest of the industry, the Price/Earnings ratio of D indicates a rather cheap valuation: D is cheaper than 91.15% of the companies listed in the same industry.
D's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.69.
With a Price/Forward Earnings ratio of 6.93, the valuation of D can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of D indicates a rather cheap valuation: D is cheaper than 98.23% of the companies listed in the same industry.
D is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.18, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.97
Fwd PE 6.93
D.MI Price Earnings VS Forward Price EarningsD.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of D indicates a rather cheap valuation: D is cheaper than 93.81% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.22
EV/EBITDA N/A
D.MI Per share dataD.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5 2

4.3 Compensation for Growth

D's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The excellent profitability rating of D may justify a higher PE ratio.
A more expensive valuation may be justified as D's earnings are expected to grow with 12.60% in the coming years.
PEG (NY)0.34
PEG (5Y)N/A
EPS Next 2Y12.6%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.02%, D is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.63, D pays a better dividend. On top of this D pays more dividend than 87.61% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, D pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.02%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

DPN/A
EPS Next 2Y12.6%
EPS Next 3YN/A
D.MI Yearly Income VS Free CF VS DividendD.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M -20M

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DIRECTA SIM SPA

BIT:D (10/14/2025, 7:00:00 PM)

5.02

-0.1 (-1.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0.08%
Inst Owner ChangeN/A
Ins Owners83.1%
Ins Owner ChangeN/A
Market Cap94.12M
Analysts82.86
Price Target7.65 (52.39%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.02%
Yearly Dividend0.16
Dividend Growth(5Y)N/A
DPN/A
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)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
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 7.97
Fwd PE 6.93
P/S 2.19
P/FCF 6.22
P/OCF 5.95
P/B 2.06
P/tB 2.12
EV/EBITDA N/A
EPS(TTM)0.63
EY12.55%
EPS(NY)0.72
Fwd EY14.43%
FCF(TTM)0.81
FCFY16.07%
OCF(TTM)0.84
OCFY16.8%
SpS2.3
BVpS2.44
TBVpS2.37
PEG (NY)0.34
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 9.19%
ROE 24.63%
ROCE 16.83%
ROIC 11.14%
ROICexc 13.27%
ROICexgc 16.51%
OM 44.94%
PM (TTM) 26.15%
GM 86%
FCFM 35.12%
ROA(3y)7.89%
ROA(5y)6.73%
ROE(3y)21.72%
ROE(5y)19.8%
ROIC(3y)9.42%
ROIC(5y)8.5%
ROICexc(3y)10.93%
ROICexc(5y)9.65%
ROICexgc(3y)13.59%
ROICexgc(5y)12.08%
ROCE(3y)14.3%
ROCE(5y)13.16%
ROICexcg growth 3Y18.66%
ROICexcg growth 5Y45.79%
ROICexc growth 3Y18.74%
ROICexc growth 5Y44.12%
OM growth 3Y12%
OM growth 5Y28.44%
PM growth 3Y13.33%
PM growth 5YN/A
GM growth 3Y2.54%
GM growth 5Y2.24%
F-Score6
Asset Turnover0.35
Health
Industry RankSector Rank
Debt/Equity 1.5
Debt/FCF 4.53
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.6%
Interest Coverage -8.18
Cash Conversion N/A
Profit Quality 134.32%
Current Ratio 2.52
Quick Ratio 2.52
Altman-Z 2.1
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)4.6%
Cap/Sales(5y)5.42%
Profit Quality(3y)165.46%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)5.96%
EPS 3Y23.71%
EPS 5YN/A
EPS Q2Q%8.07%
EPS Next Y23.21%
EPS Next 2Y12.6%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.84%
Revenue growth 3Y13.91%
Revenue growth 5Y21.58%
Sales Q2Q%5.47%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y38.49%
EBIT growth 3Y27.58%
EBIT growth 5Y56.15%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-38.1%
FCF growth 3YN/A
FCF growth 5Y12.09%
OCF growth 1Y-40.04%
OCF growth 3YN/A
OCF growth 5Y8.79%