FTC Fundamental Analysis - FINANZA TECH SPA

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to FTC. FTC was compared to 0 industry peers in the Unkown industry. Both the profitability and financial health of FTC have multiple concerns. FTC does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

In the past year FTC was profitable.

In the past year FTC has reported a negative cash flow from operations.

FTC had positive earnings in each of the past 5 years.

The reported operating cash flow has been mixed in the past 5 years: FTC reported negative operating cash flow in multiple years.

1.2 Ratios

		Industry Rank	Sector Rank
ROA	1.06%
ROE	1.99%
ROIC	4.23%

ROA(3y)1.87%

ROA(5y)4.23%

ROE(3y)3.58%

ROE(5y)7.36%

ROIC(3y)4.83%

ROIC(5y)5.21%

1.3 Margins

FTC's Profit Margin has declined in the last couple of years.

In the last couple of years the Operating Margin of FTC has declined.

FTC's Gross Margin has improved in the last couple of years.

		Industry Rank	Sector Rank
OM	7.34%
PM (TTM)	2.17%
GM	59.23%

OM growth 3Y-23.13%

OM growth 5Y-25.37%

PM growth 3Y-47.87%

PM growth 5Y-37.12%

GM growth 3Y-8.92%

GM growth 5Y5.48%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FTC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.

The number of shares outstanding for FTC has been reduced compared to 1 year ago.

The number of shares outstanding for FTC has been increased compared to 5 years ago.

FTC has a worse debt/assets ratio than last year.

2.2 Solvency

FTC has an Altman-Z score of 1.77. This is a bad value and indicates that FTC is not financially healthy and even has some risk of bankruptcy.

A Debt/Equity ratio of 0.17 indicates that FTC is not too dependend on debt financing.

		Industry Rank	Sector Rank
Debt/Equity	0.17
Debt/FCF	N/A
Altman-Z	1.77

ROIC/WACC0.54

WACC7.87%

2.3 Liquidity

FTC has a Current Ratio of 1.95. This is a normal value and indicates that FTC is financially healthy and should not expect problems in meeting its short term obligations.

A Quick Ratio of 1.95 indicates that FTC should not have too much problems paying its short term obligations.

		Industry Rank	Sector Rank
Current Ratio	1.95
Quick Ratio	1.95

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for FTC have decreased strongly by -74.52% in the last year.

The Earnings Per Share has been decreasing by -7.32% on average over the past years.

FTC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -32.27%.

Measured over the past years, FTC shows a very strong growth in Revenue. The Revenue has been growing by 47.99% on average per year.

EPS 1Y (TTM)-74.52%

EPS 3Y-31.91%

EPS 5Y-7.32%

EPS Q2Q%371.05%

Revenue 1Y (TTM)-32.27%

Revenue growth 3Y31.46%

Revenue growth 5Y47.99%

Sales Q2Q%0.25%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 33.80, FTC can be considered very expensive at the moment.

FTC is valuated rather expensively when we compare the Price/Earnings ratio to 27.07, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	33.8
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	3.93

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

No dividends for FTC!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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FINANZA TECH SPA

BIT:FTC (9/9/2025, 7:00:00 PM)

0.338

-0.02 (-4.79%)

Chartmill FA Rating

GICS SectorN/A

GICS IndustryGroupN/A

GICS IndustryN/A

Earnings (Last)N/A N/A

Earnings (Next)N/A N/A

Inst OwnersN/A

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap4.51M

Analysts80

Price Target2.35 (595.27%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

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)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 Rank	Sector Rank
PE	33.8
Fwd PE	N/A
P/S	0.63
P/FCF	N/A
P/OCF	N/A
P/B	0.57
P/tB	1.09
EV/EBITDA	3.93

EPS(TTM)0.01

EY2.96%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)-0.09

FCFYN/A

OCF(TTM)-0.08

OCFYN/A

SpS0.54

BVpS0.59

TBVpS0.31

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	1.06%
ROE	1.99%
ROCE	5.64%
ROIC	4.23%
ROICexc	4.28%
ROICexgc	7.2%
OM	7.34%
PM (TTM)	2.17%
GM	59.23%
FCFM	N/A

ROA(3y)1.87%

ROA(5y)4.23%

ROE(3y)3.58%

ROE(5y)7.36%

ROIC(3y)4.83%

ROIC(5y)5.21%

ROICexc(3y)5.03%

ROICexc(5y)6.67%

ROICexgc(3y)10.26%

ROICexgc(5y)N/A

ROCE(3y)6.44%

ROCE(5y)6.95%

ROICexcg growth 3YN/A

ROICexcg growth 5Y-58.05%

ROICexc growth 3Y-28.31%

ROICexc growth 5Y-46.44%

OM growth 3Y-23.13%

OM growth 5Y-25.37%

PM growth 3Y-47.87%

PM growth 5Y-37.12%

GM growth 3Y-8.92%

GM growth 5Y5.48%

F-Score4

Asset Turnover0.49

Health

		Industry Rank	Sector Rank
Debt/Equity	0.17
Debt/FCF	N/A
Debt/EBITDA	0.8
Cap/Depr	14.81%
Cap/Sales	2.31%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	1.95
Quick Ratio	1.95
Altman-Z	1.77

F-Score4

WACC7.87%

ROIC/WACC0.54

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)20.62%

Cap/Sales(5y)47.11%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-74.52%

EPS 3Y-31.91%

EPS 5Y-7.32%

EPS Q2Q%371.05%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-32.27%

Revenue growth 3Y31.46%

Revenue growth 5Y47.99%

Sales Q2Q%0.25%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-49.56%

EBIT growth 3Y1.06%

EBIT growth 5Y10.44%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-39.52%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-59.73%

OCF growth 3YN/A

OCF growth 5YN/A

FINANZA TECH SPA (FTC.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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