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FIRST CAPITAL SPA (FIC.MI) Stock Fundamental Analysis

BIT:FIC - Euronext Milan - IT0005252736 - Common Stock - Currency: EUR

19.1  -0.6 (-3.05%)

Fundamental Rating

1

Overall FIC gets a fundamental rating of 1 out of 10. We evaluated FIC against 107 industry peers in the Capital Markets industry. FIC has a bad profitability rating. Also its financial health evaluation is rather negative. FIC is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year FIC has reported negative net income.
In the past year FIC has reported a negative cash flow from operations.
The reported net income has been mixed in the past 5 years: FIC reported negative net income in multiple years.
In multiple years FIC reported negative operating cash flow during the last 5 years.
FIC.MI Yearly Net Income VS EBIT VS OCF VS FCFFIC.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 2024 0 10M -10M 20M

1.2 Ratios

FIC's Return On Assets of -0.60% is on the low side compared to the rest of the industry. FIC is outperformed by 62.62% of its industry peers.
FIC has a worse Return On Equity (-0.84%) than 60.75% of its industry peers.
Industry RankSector Rank
ROA -0.6%
ROE -0.84%
ROIC N/A
ROA(3y)-1.96%
ROA(5y)4.77%
ROE(3y)-2.98%
ROE(5y)7.19%
ROIC(3y)N/A
ROIC(5y)N/A
FIC.MI Yearly ROA, ROE, ROICFIC.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for FIC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
FIC.MI Yearly Profit, Operating, Gross MarginsFIC.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 100 150 200 250

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2. Health

2.1 Basic Checks

The number of shares outstanding for FIC remains at a similar level compared to 1 year ago.
Compared to 5 years ago, FIC has more shares outstanding
FIC has a better debt/assets ratio than last year.
FIC.MI Yearly Shares OutstandingFIC.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500K 1M 1.5M 2M 2.5M
FIC.MI Yearly Total Debt VS Total AssetsFIC.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

2.2 Solvency

FIC has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
FIC has a Debt to Equity ratio of 0.34. This is in the better half of the industry: FIC outperforms 65.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
FIC.MI Yearly LT Debt VS Equity VS FCFFIC.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FIC.MI Yearly Current Assets VS Current LiabilitesFIC.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2019 2020 2021 2022 2023 2024 200K 400K 600K 800K 1M

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3. Growth

3.1 Past

The earnings per share for FIC have decreased strongly by -132.71% in the last year.
FIC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -38.30%.
FIC shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -22.60% yearly.
EPS 1Y (TTM)-132.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-9.33%
Revenue 1Y (TTM)-38.3%
Revenue growth 3Y-48.43%
Revenue growth 5Y-22.6%
Sales Q2Q%-1.94%

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.
FIC.MI Yearly Revenue VS EstimatesFIC.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M 30M

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4. Valuation

4.1 Price/Earnings Ratio

FIC reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
FIC.MI Price Earnings VS Forward Price EarningsFIC.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
FIC.MI Per share dataFIC.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20

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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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.85%, FIC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 6.28, FIC has a dividend in line with its industry peers.
FIC's Dividend Yield is slightly below the S&P500 average, which is at 2.39.
Industry RankSector Rank
Dividend Yield 1.85%

5.2 History

The dividend of FIC decreases each year by -21.56%.
Dividend Growth(5Y)-21.56%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

FIC has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-50.94%
EPS Next 2YN/A
EPS Next 3YN/A
FIC.MI Yearly Income VS Free CF VS DividendFIC.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M

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FIRST CAPITAL SPA

BIT:FIC (5/26/2025, 7:00:00 PM)

19.1

-0.6 (-3.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners1.64%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap56.35M
Analysts83.33
Price Target29.22 (52.98%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.85%
Yearly Dividend0.11
Dividend Growth(5Y)-21.56%
DP-50.94%
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)2.91%
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 13.37
P/FCF N/A
P/OCF N/A
P/B 0.72
P/tB 0.74
EV/EBITDA N/A
EPS(TTM)-0.3
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-4.01
FCFYN/A
OCF(TTM)-3.27
OCFYN/A
SpS1.43
BVpS26.35
TBVpS25.9
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.6%
ROE -0.84%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-1.96%
ROA(5y)4.77%
ROE(3y)-2.98%
ROE(5y)7.19%
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 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 1179.72%
Cap/Sales 52.18%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)528.17%
Cap/Depr(5y)322.43%
Cap/Sales(3y)19.72%
Cap/Sales(5y)11.87%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-132.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-9.33%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-38.3%
Revenue growth 3Y-48.43%
Revenue growth 5Y-22.6%
Sales Q2Q%-1.94%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-181.14%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-164.03%
OCF growth 3YN/A
OCF growth 5YN/A