GENERALFINANCE SPA (GF.MI) Stock Fundamental Analysis
BIT:GF - Euronext Milan - IT0005144784 - Common Stock - Currency: EUR
GF gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 49 industry peers in the Financial Services industry. GF scores excellent on profitability, but 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! GF also has an excellent dividend rating. These ratings would make GF suitable for value and dividend and growth investing!
1. Profitability
1.1 Basic Checks
GF had positive earnings in the past year.
In the past year GF had a positive cash flow from operations.
Each year in the past 5 years GF has been profitable.
In multiple years GF reported negative operating cash flow during the last 5 years.
1.2 Ratios
GF has a Return On Assets of 4.10%. This is in the better half of the industry: GF outperforms 67.35% of its industry peers.
GF's Return On Equity of 39.42% is amongst the best of the industry. GF outperforms 93.88% of its industry peers.
GF has a Return On Invested Capital (4.48%) which is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for GF is significantly below the industry average of 9.06%.
The last Return On Invested Capital (4.48%) for GF is above the 3 year average (3.03%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.1% | ||
| ROE | 39.42% | ||
| ROIC | 4.48% |
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
GF has a better Profit Margin (40.43%) than 85.71% of its industry peers.
GF's Profit Margin has improved in the last couple of years.
GF has a better Operating Margin (60.78%) than 91.84% of its industry peers.
GF's Operating Margin has improved in the last couple of years.
With an excellent Gross Margin value of 91.47%, GF belongs to the best of the industry, outperforming 93.88% 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 | 60.78% | ||
| PM (TTM) | 40.43% | ||
| GM | 91.47% |
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.
Compared to 1 year ago, GF has about the same amount of shares outstanding.
Compared to 5 years ago, GF has about the same amount of shares outstanding.
GF has a worse debt/assets ratio than last year.
2.2 Solvency
GF has an Altman-Z score of 0.67. 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 0.67. This is comparable to the rest of the industry: GF outperforms 40.82% of its industry peers.
GF has a debt to FCF ratio of 3.30. This is a good value and a sign of high solvency as GF would need 3.30 years to pay back of all of its debts.
GF's Debt to FCF ratio of 3.30 is fine compared to the rest of the industry. GF outperforms 77.55% of its industry peers.
A Debt/Equity ratio of 4.47 is on the high side and indicates that GF has dependencies on debt financing.
GF has a Debt to Equity ratio of 4.47. This is amonst the worse of the industry: GF underperforms 83.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.47 | ||
| Debt/FCF | 3.3 | ||
| Altman-Z | 0.67 |
ROIC/WACC0.68
WACC6.63%
2.3 Liquidity
A Current Ratio of 2.39 indicates that GF has no problem at all paying its short term obligations.
GF has a better Current ratio (2.39) than 83.67% of its industry peers.
A Quick Ratio of 2.39 indicates that GF has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 2.39, GF belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.39 | ||
| Quick Ratio | 2.39 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 43.68% over the past year.
Measured over the past years, GF shows a very strong growth in Earnings Per Share. The EPS has been growing by 38.19% on average per year.
Looking at the last year, GF shows a very strong growth in Revenue. The Revenue has grown by 30.82%.
GF shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 29.00% yearly.
EPS 1Y (TTM)43.68%
EPS 3Y30.68%
EPS 5Y38.19%
EPS Q2Q%56.73%
Revenue 1Y (TTM)30.82%
Revenue growth 3Y25.63%
Revenue growth 5Y29%
Sales Q2Q%37.74%
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 15.88% on average per year.
The Revenue is expected to grow by 18.98% on average over the next years. This is quite good.
EPS Next Y13.12%
EPS Next 2Y13.19%
EPS Next 3Y15.88%
EPS Next 5YN/A
Revenue Next Year17.03%
Revenue Next 2Y18.91%
Revenue Next 3Y18.98%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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
Based on the Price/Earnings ratio of 5.96, the valuation of GF can be described as very cheap.
Based on the Price/Earnings ratio, GF is valued cheaper than 83.67% of the companies in the same industry.
When comparing the Price/Earnings ratio of GF to the average of the S&P500 Index (26.19), we can say GF is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.99, the valuation of GF can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GF indicates a rather cheap valuation: GF is cheaper than 81.63% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.13. GF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.96 | ||
| Fwd PE | 7.99 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GF is valued a bit cheaper than 67.35% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, GF is valued cheaper than 93.88% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.74 | ||
| EV/EBITDA | 8.63 |
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.
GF has a very decent profitability rating, which may justify a higher PE ratio.
GF's earnings are expected to grow with 15.88% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.45
PEG (5Y)0.16
EPS Next 2Y13.19%
EPS Next 3Y15.88%
5. Dividend
5.1 Amount
GF has a Yearly Dividend Yield of 5.57%, which is a nice return.
Compared to an average industry Dividend Yield of 3.91, GF pays a better dividend. On top of this GF pays more dividend than 87.76% of the companies listed in the same industry.
GF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.57% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
23.61% of the earnings are spent on dividend by GF. This is a low number and sustainable payout ratio.
DP23.61%
EPS Next 2Y13.19%
EPS Next 3Y15.88%
BIT:GF (5/22/2025, 7:00:00 PM)
14.9
+0.15 (+1.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners15.65%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap188.34M
Analysts86.67
Price Target17.19 (15.37%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.57% |
Yearly Dividend0.59
Dividend Growth(5Y)N/A
DP23.61%
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)21.22%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-2.16%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.96 | ||
| Fwd PE | 7.99 | ||
| P/S | 2.41 | ||
| P/FCF | 1.74 | ||
| P/OCF | 1.69 | ||
| P/B | 2.35 | ||
| P/tB | 2.45 | ||
| EV/EBITDA | 8.63 |
EPS(TTM)2.5
EY16.78%
EPS(NY)1.86
Fwd EY12.51%
FCF(TTM)8.56
FCFY57.47%
OCF(TTM)8.82
OCFY59.2%
SpS6.18
BVpS6.34
TBVpS6.08
PEG (NY)0.45
PEG (5Y)0.16
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.1% | ||
| ROE | 39.42% | ||
| ROCE | 6.62% | ||
| ROIC | 4.48% | ||
| ROICexc | 5.4% | ||
| ROICexgc | 5.46% | ||
| OM | 60.78% | ||
| PM (TTM) | 40.43% | ||
| GM | 91.47% | ||
| FCFM | 138.6% |
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%
ROICexcg growth 3Y6.06%
ROICexcg 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 Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.47 | ||
| Debt/FCF | 3.3 | ||
| Debt/EBITDA | 7.29 | ||
| Cap/Depr | 200.79% | ||
| Cap/Sales | 4.15% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 227.16% | ||
| Profit Quality | 342.85% | ||
| Current Ratio | 2.39 | ||
| Quick Ratio | 2.39 | ||
| Altman-Z | 0.67 |
F-Score5
WACC6.63%
ROIC/WACC0.68
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)43.68%
EPS 3Y30.68%
EPS 5Y38.19%
EPS Q2Q%56.73%
EPS Next Y13.12%
EPS Next 2Y13.19%
EPS Next 3Y15.88%
EPS Next 5YN/A
Revenue 1Y (TTM)30.82%
Revenue growth 3Y25.63%
Revenue growth 5Y29%
Sales Q2Q%37.74%
Revenue Next Year17.03%
Revenue Next 2Y18.91%
Revenue Next 3Y18.98%
Revenue Next 5YN/A
EBIT growth 1Y40.58%
EBIT growth 3Y30.75%
EBIT growth 5Y36.54%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y749.98%
FCF growth 3Y125.88%
FCF growth 5Y49.06%
OCF growth 1Y814.31%
OCF growth 3Y116.86%
OCF growth 5Y48.62%