FIRST CAPITAL SPA (FIC.MI) Fundamental Analysis & Valuation

BIT:FIC • IT0005252736

Current stock price

18.6 EUR
+0.1 (+0.54%)
Last:

This FIC.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. FIC.MI Profitability Analysis

1.1 Basic Checks

  • In the past year FIC was profitable.
  • FIC had a negative operating cash flow in the past year.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M

1.2 Ratios

  • With an excellent Return On Assets value of 10.48%, FIC belongs to the best of the industry, outperforming 89.47% of the companies in the same industry.
  • FIC has a Return On Equity of 14.33%. This is in the better half of the industry: FIC outperforms 72.81% 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

1.3 Margins

  • The Profit Margin of FIC (70.23%) is better than 92.11% of its industry peers.
  • FIC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 100 150 200 250

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2

2. FIC.MI Health Analysis

2.1 Basic Checks

  • FIC has about the same amout of shares outstanding than it did 1 year ago.
  • FIC has more shares outstanding than it did 5 years ago.
  • FIC has a better debt/assets ratio than last year.
FIC.MI Yearly Shares OutstandingFIC.MI Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

2.2 Solvency

  • A Debt/Equity ratio of 0.30 indicates that FIC is not too dependend on debt financing.
  • The Debt to Equity ratio of FIC (0.30) is better than 66.67% of its industry peers.
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 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 2019 2020 2021 2022 2023 2024 200K 400K 600K 800K 1M

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2

3. FIC.MI Growth Analysis

3.1 Past

  • FIC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 3587.17%, which is quite impressive.
  • Looking at the last year, FIC shows a very strong growth in Revenue. The Revenue has grown by 291.29%.
  • 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)3587.17%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%219.81%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M 30M

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2

4. FIC.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 4.65, which indicates a rather cheap valuation of FIC.
  • FIC's Price/Earnings ratio is rather cheap when compared to the industry. FIC is cheaper than 94.74% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.38. FIC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 4.65
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 5 10 15 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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. FIC.MI Dividend Analysis

5.1 Amount

  • FIC has a Yearly Dividend Yield of 1.86%. Purely for dividend investing, there may be better candidates out there.
  • FIC's Dividend Yield is comparable with the industry average which is at 3.15.
  • Compared to an average S&P500 Dividend Yield of 1.82, FIC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.86%

5.2 History

  • The dividend of FIC decreases each year by -22.03%.
Dividend Growth(5Y)-22.03%
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 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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FIC.MI Fundamentals: All Metrics, Ratios and Statistics

FIRST CAPITAL SPA

BIT:FIC (4/1/2026, 7:00:00 PM)

18.6

+0.1 (+0.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners1.06%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap64.73M
Revenue(TTM)17.08M
Net Income(TTM)12.00M
Analysts83.33
Price Target30.45 (63.71%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.86%
Yearly Dividend0.11
Dividend Growth(5Y)-22.03%
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)0%
PT rev (3m)0%
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 4.65
Fwd PE N/A
P/S 3.79
P/FCF N/A
P/OCF N/A
P/B 0.77
P/tB 0.79
EV/EBITDA N/A
EPS(TTM)4
EY21.51%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-1.93
FCFYN/A
OCF(TTM)-1.3
OCFYN/A
SpS4.91
BVpS24.06
TBVpS23.67
PEG (NY)N/A
PEG (5Y)N/A
Graham Number46.5379 (150.2%)
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)3587.17%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%219.81%
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 Fundamental Analysis 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 of FIRST CAPITAL SPA (FIC.MI) stock?

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


How profitable is FIRST CAPITAL SPA (FIC.MI) 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 4.65 and the Price/Book (PB) ratio is 0.77.


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%.