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DIRECTA SIM SPA (D.MI) Stock Fundamental Analysis

BIT:D - Euronext Milan - IT0001463063 - Common Stock - Currency: EUR

5.64  -0.04 (-0.7%)

Fundamental Rating

7

Overall D gets a fundamental rating of 7 out of 10. We evaluated D against 110 industry peers in the Capital Markets industry. D scores excellent points on both the profitability and health parts. This is a solid base for a good stock. 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 and quality investing!.


Dividend Valuation Growth Profitability Health

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8

1. Profitability

1.1 Basic Checks

D had positive earnings in the past year.
In the past year D had a positive cash flow from operations.
D had positive earnings in 4 of the past 5 years.
Of the past 5 years D 4 years had a positive operating cash flow.
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 0 10M -10M 20M -20M

1.2 Ratios

The Return On Assets of D (9.66%) is better than 90.00% of its industry peers.
D's Return On Equity of 27.04% is amongst the best of the industry. D outperforms 94.55% of its industry peers.
D has a better Return On Invested Capital (11.89%) than 87.27% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for D is in line with the industry average of 8.43%.
The last Return On Invested Capital (11.89%) for D is above the 3 year average (8.42%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 9.66%
ROE 27.04%
ROIC 11.89%
ROA(3y)6.68%
ROA(5y)4.88%
ROE(3y)20.06%
ROE(5y)14.82%
ROIC(3y)8.42%
ROIC(5y)7.1%
D.MI Yearly ROA, ROE, ROICD.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 0 5 10 15 20

1.3 Margins

The Profit Margin of D (28.15%) is better than 78.18% of its industry peers.
In the last couple of years the Profit Margin of D has grown nicely.
D has a better Operating Margin (46.40%) than 85.45% of its industry peers.
D's Operating Margin has improved in the last couple of years.
D's Gross Margin of 85.71% is amongst the best of the industry. D outperforms 81.82% of its industry peers.
D's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 46.4%
PM (TTM) 28.15%
GM 85.71%
OM growth 3Y15.85%
OM growth 5Y41.54%
PM growth 3Y31.21%
PM growth 5YN/A
GM growth 3Y2.76%
GM growth 5Y2.45%
D.MI Yearly Profit, Operating, Gross MarginsD.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 0 20 40 60 80

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7

2. Health

2.1 Basic Checks

D has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, D has more shares outstanding
The debt/assets ratio for D has been reduced compared to a year ago.
D.MI Yearly Shares OutstandingD.MI Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 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 20M 40M 60M 80M

2.2 Solvency

An Altman-Z score of 2.20 indicates that D is not a great score, but indicates only limited risk for bankruptcy at the moment.
With a decent Altman-Z score value of 2.20, D is doing good in the industry, outperforming 65.45% of the companies in the same industry.
D has a debt to FCF ratio of 3.15. This is a good value and a sign of high solvency as D would need 3.15 years to pay back of all of its debts.
The Debt to FCF ratio of D (3.15) is better than 80.91% of its industry peers.
A Debt/Equity ratio of 1.64 is on the high side and indicates that D has dependencies on debt financing.
The Debt to Equity ratio of D (1.64) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.64
Debt/FCF 3.15
Altman-Z 2.2
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 0 20M -20M 40M 60M

2.3 Liquidity

A Current Ratio of 2.72 indicates that D has no problem at all paying its short term obligations.
D has a Current ratio of 2.72. This is amongst the best in the industry. D outperforms 84.55% of its industry peers.
D has a Quick Ratio of 2.72. This indicates that D is financially healthy and has no problem in meeting its short term obligations.
D has a Quick ratio of 2.72. This is amongst the best in the industry. D outperforms 84.55% of its industry peers.
Industry RankSector Rank
Current Ratio 2.72
Quick Ratio 2.72
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 5M 10M 15M

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6

3. Growth

3.1 Past

D shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 80.52%, which is quite impressive.
The Earnings Per Share has been growing by 43.41% on average over the past years. This is a very strong growth
The Revenue has grown by 31.70% in the past year. This is a very strong growth!
D shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.62% yearly.
EPS 1Y (TTM)80.52%
EPS 3Y43.41%
EPS 5YN/A
EPS Q2Q%64.9%
Revenue 1Y (TTM)31.7%
Revenue growth 3Y14.05%
Revenue growth 5Y16.62%
Sales Q2Q%31.16%

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 17.29% yearly.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y27.27%
EPS Next 2Y25.23%
EPS Next 3Y17.29%
EPS Next 5YN/A
Revenue Next Year11.72%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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
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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8

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.56, which indicates a very decent valuation of D.
Based on the Price/Earnings ratio, D is valued cheaper than 82.73% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.30. D is valued rather cheaply when compared to this.
D is valuated reasonably with a Price/Forward Earnings ratio of 8.01.
Compared to the rest of the industry, the Price/Forward Earnings ratio of D indicates a rather cheap valuation: D is cheaper than 93.64% of the companies listed in the same industry.
D is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.76, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.56
Fwd PE 8.01
D.MI Price Earnings VS Forward Price EarningsD.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, D is valued cheaper than 96.36% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.94
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

The 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.
D's earnings are expected to grow with 17.29% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
PEG (5Y)N/A
EPS Next 2Y25.23%
EPS Next 3Y17.29%

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6

5. Dividend

5.1 Amount

D has a Yearly Dividend Yield of 5.26%, which is a nice return.
D's Dividend Yield is rather good when compared to the industry average which is at 6.06. D pays more dividend than 84.55% of the companies in the same industry.
D's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
Industry RankSector Rank
Dividend Yield 5.26%

5.2 History

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

5.3 Sustainability

DPN/A
EPS Next 2Y25.23%
EPS Next 3Y17.29%
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 0 10M -10M 20M -20M

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DIRECTA SIM SPA

BIT:D (7/4/2025, 7:00:00 PM)

5.64

-0.04 (-0.7%)

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 Cap105.75M
Analysts82.86
Price Target7.65 (35.64%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.26%
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)8.7%
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)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 9.56
Fwd PE 8.01
P/S 2.67
P/FCF 4.94
P/OCF 4.57
P/B 2.57
P/tB 2.73
EV/EBITDA N/A
EPS(TTM)0.59
EY10.46%
EPS(NY)0.7
Fwd EY12.48%
FCF(TTM)1.14
FCFY20.26%
OCF(TTM)1.24
OCFY21.9%
SpS2.11
BVpS2.2
TBVpS2.07
PEG (NY)0.35
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 9.66%
ROE 27.04%
ROCE 16.99%
ROIC 11.89%
ROICexc 14.33%
ROICexgc 15.65%
OM 46.4%
PM (TTM) 28.15%
GM 85.71%
FCFM 54.16%
ROA(3y)6.68%
ROA(5y)4.88%
ROE(3y)20.06%
ROE(5y)14.82%
ROIC(3y)8.42%
ROIC(5y)7.1%
ROICexc(3y)9.69%
ROICexc(5y)7.86%
ROICexgc(3y)12.05%
ROICexgc(5y)9.83%
ROCE(3y)12.11%
ROCE(5y)10.49%
ROICexcg growth 3Y13.49%
ROICexcg growth 5Y74.74%
ROICexc growth 3Y15.47%
ROICexc growth 5Y71.45%
OM growth 3Y15.85%
OM growth 5Y41.54%
PM growth 3Y31.21%
PM growth 5YN/A
GM growth 3Y2.76%
GM growth 5Y2.45%
F-Score8
Asset Turnover0.34
Health
Industry RankSector Rank
Debt/Equity 1.64
Debt/FCF 3.15
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 4.39%
Interest Coverage -5.52
Cash Conversion N/A
Profit Quality 192.41%
Current Ratio 2.72
Quick Ratio 2.72
Altman-Z 2.2
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)5.83%
Cap/Sales(5y)7.36%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)80.52%
EPS 3Y43.41%
EPS 5YN/A
EPS Q2Q%64.9%
EPS Next Y27.27%
EPS Next 2Y25.23%
EPS Next 3Y17.29%
EPS Next 5YN/A
Revenue 1Y (TTM)31.7%
Revenue growth 3Y14.05%
Revenue growth 5Y16.62%
Sales Q2Q%31.16%
Revenue Next Year11.72%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y79.83%
EBIT growth 3Y32.13%
EBIT growth 5Y65.06%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y298.67%
FCF growth 3Y169.87%
FCF growth 5YN/A
OCF growth 1Y343.94%
OCF growth 3Y104.29%
OCF growth 5YN/A