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FIRST CAPITAL SPA (FIC.MI) Stock Fundamental Analysis

Europe - BIT:FIC - IT0005252736 - Common Stock

19.1 EUR
+0.1 (+0.53%)
Last: 11/12/2025, 7:00:00 PM
Fundamental Rating

2

Overall FIC gets a fundamental rating of 2 out of 10. We evaluated FIC against 114 industry peers in the Capital Markets industry. FIC has a bad profitability rating. Also its financial health evaluation is rather negative. FIC has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year FIC was profitable.
FIC had a negative operating cash flow in the past year.
In multiple years FIC reported negative net income over the last 5 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 has a better Return On Assets (10.48%) than 90.35% of its industry peers.
The Return On Equity of FIC (14.33%) is better than 71.93% of its industry peers.
Industry RankSector Rank
ROA 10.48%
ROE 14.33%
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

FIC has a Profit Margin of 70.23%. This is amongst the best in the industry. FIC outperforms 92.98% of its industry peers.
The Operating Margin and Gross Margin are not available for FIC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 70.23%
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

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
The debt/assets ratio for FIC has been reduced compared to a year ago.
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 0.30. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.30, FIC is doing good in the industry, outperforming 65.79% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.3
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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2

3. Growth

3.1 Past

FIC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 3411.67%, which is quite impressive.
The Revenue has grown by 291.29% in the past year. This is a very strong growth!
Measured over the past years, FIC shows a very negative growth in Revenue. The Revenue has been decreasing by -22.60% on average per year.
EPS 1Y (TTM)3411.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%219.43%
Revenue 1Y (TTM)291.29%
Revenue growth 3Y-48.43%
Revenue growth 5Y-22.6%
Sales Q2Q%375.93%

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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2

4. Valuation

4.1 Price/Earnings Ratio

FIC is valuated cheaply with a Price/Earnings ratio of 4.78.
FIC's Price/Earnings ratio is rather cheap when compared to the industry. FIC is cheaper than 96.49% of the companies in the same industry.
When comparing the Price/Earnings ratio of FIC to the average of the S&P500 Index (26.34), we can say FIC is valued rather cheaply.
Industry RankSector Rank
PE 4.78
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

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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3

5. Dividend

5.1 Amount

FIC has a Yearly Dividend Yield of 1.82%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 5.73, FIC has a dividend in line with its industry peers.
FIC's Dividend Yield is slightly below the S&P500 average, which is at 2.36.
Industry RankSector Rank
Dividend Yield 1.82%

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 pays out 2.79% of its income as dividend. This is a sustainable payout ratio.
DP2.79%
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
FIC.MI Dividend Payout.FIC.MI Dividend Payout, showing the Payout Ratio.FIC.MI Dividend Payout.PayoutRetained Earnings

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FIRST CAPITAL SPA

BIT:FIC (11/12/2025, 7:00:00 PM)

19.1

+0.1 (+0.53%)

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 Cap57.49M
Revenue(TTM)17.08M
Net Income(TTM)12.00M
Analysts83.33
Price Target30.45 (59.42%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.82%
Yearly Dividend0.11
Dividend Growth(5Y)-21.56%
DP2.79%
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)4.19%
PT rev (3m)4.19%
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 4.78
Fwd PE N/A
P/S 3.37
P/FCF N/A
P/OCF N/A
P/B 0.69
P/tB 0.7
EV/EBITDA N/A
EPS(TTM)4
EY20.94%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-2.23
FCFYN/A
OCF(TTM)-1.5
OCFYN/A
SpS5.67
BVpS27.82
TBVpS27.37
PEG (NY)N/A
PEG (5Y)N/A
Graham Number50.04
Profitability
Industry RankSector Rank
ROA 10.48%
ROE 14.33%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 70.23%
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
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 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 988.75%
Cap/Sales 12.91%
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-Score6
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)3411.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%219.43%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)291.29%
Revenue growth 3Y-48.43%
Revenue growth 5Y-22.6%
Sales Q2Q%375.93%
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-249.91%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-200.61%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST CAPITAL SPA / FIC.MI FAQ

What is the fundamental rating for FIC stock?

ChartMill assigns a fundamental rating of 2 / 10 to FIC.MI.


What is the valuation status for FIC stock?

ChartMill assigns a valuation rating of 2 / 10 to FIRST CAPITAL SPA (FIC.MI). This can be considered as Overvalued.


What is the profitability of FIC stock?

FIRST CAPITAL SPA (FIC.MI) has a profitability rating of 3 / 10.


What is the valuation of FIRST CAPITAL SPA based on its PE and PB ratios?

The Price/Earnings (PE) ratio for FIRST CAPITAL SPA (FIC.MI) is 4.78 and the Price/Book (PB) ratio is 0.69.


How sustainable is the dividend of FIRST CAPITAL SPA (FIC.MI) stock?

The dividend rating of FIRST CAPITAL SPA (FIC.MI) is 3 / 10 and the dividend payout ratio is 2.79%.