GENERALFINANCE SPA (GF.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:GF - IT0005144784 - Common Stock
23.85 EUR
-0.35 (-1.45%)
Taking everything into account, GF scores 7 out of 10 in our fundamental rating. GF was compared to 60 industry peers in the Financial Services industry. While GF has a great profitability rating, there are some minor concerns on its financial health. GF has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
1. Profitability
1.1 Basic Checks
- In the past year GF was profitable.
- GF had a positive operating cash flow in the past year.
- In the past 5 years GF has always been profitable.
- In multiple years GF reported negative operating cash flow during the last 5 years.
1.2 Ratios
- With a decent Return On Assets value of 4.89%, GF is doing good in the industry, outperforming 75.00% of the companies in the same industry.
- With an excellent Return On Equity value of 44.30%, GF belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
- GF's Return On Invested Capital of 5.01% is fine compared to the rest of the industry. GF outperforms 65.00% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for GF is significantly below the industry average of 10.51%.
- The last Return On Invested Capital (5.01%) for GF is above the 3 year average (3.03%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.89% | ||
| ROE | 44.3% | ||
| ROIC | 5.01% |
ROA(3y)2.74%
ROA(5y)2.67%
ROE(3y)22.73%
ROE(5y)24.28%
ROIC(3y)3.03%
ROIC(5y)2.96%
1.3 Margins
- Looking at the Profit Margin, with a value of 38.69%, GF belongs to the top of the industry, outperforming 85.00% of the companies in the same industry.
- In the last couple of years the Profit Margin of GF has grown nicely.
- Looking at the Operating Margin, with a value of 58.11%, GF belongs to the top of the industry, outperforming 88.33% of the companies in the same industry.
- In the last couple of years the Operating Margin of GF has grown nicely.
- With an excellent Gross Margin value of 90.12%, GF belongs to the best of the industry, outperforming 95.00% of the companies in the same industry.
- GF's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 58.11% | ||
| PM (TTM) | 38.69% | ||
| GM | 90.12% |
OM growth 3Y4.07%
OM growth 5Y5.84%
PM growth 3Y4.03%
PM growth 5Y7.12%
GM growth 3Y0.97%
GM growth 5Y0.16%
2. Health
2.1 Basic Checks
- GF 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 GF remains at a similar level compared to 1 year ago.
- Compared to 5 years ago, GF has about the same amount of shares outstanding.
- Compared to 1 year ago, GF has a worse debt to assets ratio.
2.2 Solvency
- GF has an Altman-Z score of 0.88. This is a bad value and indicates that GF is not financially healthy and even has some risk of bankruptcy.
- GF has a Altman-Z score of 0.88. This is comparable to the rest of the industry: GF outperforms 41.67% of its industry peers.
- GF has a debt to FCF ratio of 17.02. This is a negative value and a sign of low solvency as GF would need 17.02 years to pay back of all of its debts.
- With a Debt to FCF ratio value of 17.02, GF is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
- A Debt/Equity ratio of 4.63 is on the high side and indicates that GF has dependencies on debt financing.
- GF has a Debt to Equity ratio of 4.63. This is amonst the worse of the industry: GF underperforms 81.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.63 | ||
| Debt/FCF | 17.02 | ||
| Altman-Z | 0.88 |
ROIC/WACC0.73
WACC6.9%
2.3 Liquidity
- GF has a Current Ratio of 15.30. This indicates that GF is financially healthy and has no problem in meeting its short term obligations.
- GF's Current ratio of 15.30 is amongst the best of the industry. GF outperforms 95.00% of its industry peers.
- GF has a Quick Ratio of 15.30. This indicates that GF is financially healthy and has no problem in meeting its short term obligations.
- Looking at the Quick ratio, with a value of 15.30, GF belongs to the top of the industry, outperforming 95.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 15.3 | ||
| Quick Ratio | 15.3 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 44.12% over the past year.
- GF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 38.19% yearly.
- The Revenue has grown by 40.04% in the past year. This is a very strong growth!
- GF shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 29.00% yearly.
EPS 1Y (TTM)44.12%
EPS 3Y30.68%
EPS 5Y38.19%
EPS Q2Q%54.31%
Revenue 1Y (TTM)40.04%
Revenue growth 3Y25.63%
Revenue growth 5Y29%
Sales Q2Q%47.74%
3.2 Future
- Based on estimates for the next years, GF will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.83% on average per year.
- GF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.06% yearly.
EPS Next Y40.62%
EPS Next 2Y20.8%
EPS Next 3Y18.83%
EPS Next 5YN/A
Revenue Next Year29.72%
Revenue Next 2Y20.83%
Revenue Next 3Y18.06%
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.
- Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 8.31 indicates a reasonable valuation of GF.
- GF's Price/Earnings ratio is a bit cheaper when compared to the industry. GF is cheaper than 78.33% of the companies in the same industry.
- GF is valuated cheaply when we compare the Price/Earnings ratio to 26.94, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 9.92, which indicates a very decent valuation of GF.
- 66.67% of the companies in the same industry are more expensive than GF, based on the Price/Forward Earnings ratio.
- GF is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.31 | ||
| Fwd PE | 9.92 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, GF is valued a bit cheaper than 65.00% of the companies in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of GF indicates a somewhat cheap valuation: GF is cheaper than 61.67% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.52 | ||
| EV/EBITDA | 10.4 |
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 GF may justify a higher PE ratio.
- A more expensive valuation may be justified as GF's earnings are expected to grow with 18.83% in the coming years.
PEG (NY)0.2
PEG (5Y)0.22
EPS Next 2Y20.8%
EPS Next 3Y18.83%
5. Dividend
5.1 Amount
- GF has a Yearly Dividend Yield of 3.35%.
- Compared to an average industry Dividend Yield of 1.95, GF pays a bit more dividend than its industry peers.
- GF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.35% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 28.88% of the earnings are spent on dividend by GF. This is a low number and sustainable payout ratio.
DP28.88%
EPS Next 2Y20.8%
EPS Next 3Y18.83%
BIT:GF (1/20/2026, 10:31:31 AM)
23.85
-0.35 (-1.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners17.35%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap301.46M
Revenue(TTM)93.87M
Net Income(TTM)36.32M
Analysts86
Price Target23 (-3.56%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.35% |
Yearly Dividend0.59
Dividend Growth(5Y)N/A
DP28.88%
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)9.47%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)8.43%
EPS NY rev (3m)13.64%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)10.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.31 | ||
| Fwd PE | 9.92 | ||
| P/S | 3.21 | ||
| P/FCF | 13.52 | ||
| P/OCF | 12.27 | ||
| P/B | 3.68 | ||
| P/tB | 3.84 | ||
| EV/EBITDA | 10.4 |
EPS(TTM)2.87
EY12.03%
EPS(NY)2.41
Fwd EY10.08%
FCF(TTM)1.76
FCFY7.4%
OCF(TTM)1.94
OCFY8.15%
SpS7.43
BVpS6.49
TBVpS6.21
PEG (NY)0.2
PEG (5Y)0.22
Graham Number20.46
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.89% | ||
| ROE | 44.3% | ||
| ROCE | 7.41% | ||
| ROIC | 5.01% | ||
| ROICexc | 5.76% | ||
| ROICexgc | 5.87% | ||
| OM | 58.11% | ||
| PM (TTM) | 38.69% | ||
| GM | 90.12% | ||
| FCFM | 23.76% |
ROA(3y)2.74%
ROA(5y)2.67%
ROE(3y)22.73%
ROE(5y)24.28%
ROIC(3y)3.03%
ROIC(5y)2.96%
ROICexc(3y)3.39%
ROICexc(5y)3.24%
ROICexgc(3y)3.42%
ROICexgc(5y)3.26%
ROCE(3y)4.48%
ROCE(5y)4.38%
ROICexgc growth 3Y6.06%
ROICexgc growth 5Y3.94%
ROICexc growth 3Y5.85%
ROICexc growth 5Y3.87%
OM growth 3Y4.07%
OM growth 5Y5.84%
PM growth 3Y4.03%
PM growth 5Y7.12%
GM growth 3Y0.97%
GM growth 5Y0.16%
F-Score5
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.63 | ||
| Debt/FCF | 17.02 | ||
| Debt/EBITDA | 6.74 | ||
| Cap/Depr | 129.61% | ||
| Cap/Sales | 2.42% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 43.64% | ||
| Profit Quality | 61.41% | ||
| Current Ratio | 15.3 | ||
| Quick Ratio | 15.3 | ||
| Altman-Z | 0.88 |
F-Score5
WACC6.9%
ROIC/WACC0.73
Cap/Depr(3y)128.37%
Cap/Depr(5y)131.84%
Cap/Sales(3y)3.9%
Cap/Sales(5y)4.49%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)44.12%
EPS 3Y30.68%
EPS 5Y38.19%
EPS Q2Q%54.31%
EPS Next Y40.62%
EPS Next 2Y20.8%
EPS Next 3Y18.83%
EPS Next 5YN/A
Revenue 1Y (TTM)40.04%
Revenue growth 3Y25.63%
Revenue growth 5Y29%
Sales Q2Q%47.74%
Revenue Next Year29.72%
Revenue Next 2Y20.83%
Revenue Next 3Y18.06%
Revenue Next 5YN/A
EBIT growth 1Y40.88%
EBIT growth 3Y30.75%
EBIT growth 5Y36.54%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y5.4%
FCF growth 3Y125.88%
FCF growth 5Y49.06%
OCF growth 1Y10.31%
OCF growth 3Y116.86%
OCF growth 5Y48.62%
GENERALFINANCE SPA / GF.MI FAQ
Can you provide the ChartMill fundamental rating for GENERALFINANCE SPA?
ChartMill assigns a fundamental rating of 7 / 10 to GF.MI.
What is the valuation status of GENERALFINANCE SPA (GF.MI) stock?
ChartMill assigns a valuation rating of 7 / 10 to GENERALFINANCE SPA (GF.MI). This can be considered as Undervalued.
How profitable is GENERALFINANCE SPA (GF.MI) stock?
GENERALFINANCE SPA (GF.MI) has a profitability rating of 8 / 10.
What is the expected EPS growth for GENERALFINANCE SPA (GF.MI) stock?
The Earnings per Share (EPS) of GENERALFINANCE SPA (GF.MI) is expected to grow by 40.62% in the next year.
Is the dividend of GENERALFINANCE SPA sustainable?
The dividend rating of GENERALFINANCE SPA (GF.MI) is 5 / 10 and the dividend payout ratio is 28.88%.