GENERALFINANCE SPA (GF.MI) Fundamental Analysis & Valuation

BIT:GF • IT0005144784

Current stock price

25.9 EUR
-0.6 (-2.26%)
Last:

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

8

1. GF.MI Profitability Analysis

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.
GF.MI Yearly Net Income VS EBIT VS OCF VS FCFGF.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M 80M 100M

1.2 Ratios

  • The Return On Assets of GF (5.02%) is better than 79.31% of its industry peers.
  • GF's Return On Equity of 43.47% is amongst the best of the industry. GF outperforms 91.38% of its industry peers.
  • With a decent Return On Invested Capital value of 5.09%, GF is doing good in the industry, outperforming 68.97% of the companies in the same industry.
  • GF had an Average Return On Invested Capital over the past 3 years of 3.22%. This is significantly below the industry average of 9.93%.
  • The last Return On Invested Capital (5.09%) for GF is above the 3 year average (3.22%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 5.02%
ROE 43.47%
ROIC 5.09%
ROA(3y)3.06%
ROA(5y)2.84%
ROE(3y)26.09%
ROE(5y)25.4%
ROIC(3y)3.22%
ROIC(5y)3.03%
GF.MI Yearly ROA, ROE, ROICGF.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • GF's Profit Margin of 38.80% is amongst the best of the industry. GF outperforms 84.48% of its industry peers.
  • In the last couple of years the Profit Margin of GF has grown nicely.
  • GF has a Operating Margin of 58.27%. This is amongst the best in the industry. GF outperforms 87.93% of its industry peers.
  • In the last couple of years the Operating Margin of GF has grown nicely.
  • The Gross Margin of GF (90.33%) is better than 94.83% of its industry peers.
  • In the last couple of years the Gross Margin of GF has remained more or less at the same level.
Industry RankSector Rank
OM 58.27%
PM (TTM) 38.8%
GM 90.33%
OM growth 3Y5.14%
OM growth 5Y4.77%
PM growth 3Y7.72%
PM growth 5Y6.79%
GM growth 3Y0.78%
GM growth 5Y-0.07%
GF.MI Yearly Profit, Operating, Gross MarginsGF.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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4

2. GF.MI Health Analysis

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.
GF.MI Yearly Shares OutstandingGF.MI Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
GF.MI Yearly Total Debt VS Total AssetsGF.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.2 Solvency

  • GF has an Altman-Z score of 0.98. This is a bad value and indicates that GF is not financially healthy and even has some risk of bankruptcy.
  • GF's Altman-Z score of 0.98 is in line compared to the rest of the industry. GF outperforms 48.28% of its industry peers.
  • GF has a debt to FCF ratio of 13.19. This is a negative value and a sign of low solvency as GF would need 13.19 years to pay back of all of its debts.
  • GF's Debt to FCF ratio of 13.19 is in line compared to the rest of the industry. GF outperforms 44.83% of its industry peers.
  • A Debt/Equity ratio of 5.26 is on the high side and indicates that GF has dependencies on debt financing.
  • GF has a worse Debt to Equity ratio (5.26) than 82.76% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.26
Debt/FCF 13.19
Altman-Z 0.98
ROIC/WACC0.76
WACC6.66%
GF.MI Yearly LT Debt VS Equity VS FCFGF.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M

2.3 Liquidity

  • GF has a Current Ratio of 13.67. This indicates that GF is financially healthy and has no problem in meeting its short term obligations.
  • GF has a better Current ratio (13.67) than 94.83% of its industry peers.
  • GF has a Quick Ratio of 13.67. 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 13.67, GF belongs to the top of the industry, outperforming 94.83% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 13.67
Quick Ratio 13.67
GF.MI Yearly Current Assets VS Current LiabilitesGF.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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8

3. GF.MI Growth Analysis

3.1 Past

  • GF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.26%, which is quite impressive.
  • Measured over the past years, GF shows a very strong growth in Earnings Per Share. The EPS has been growing by 40.10% on average per year.
  • GF shows a strong growth in Revenue. In the last year, the Revenue has grown by 41.25%.
  • Measured over the past years, GF shows a very strong growth in Revenue. The Revenue has been growing by 31.19% on average per year.
EPS 1Y (TTM)35.26%
EPS 3Y38.24%
EPS 5Y40.1%
EPS Q2Q%25.32%
Revenue 1Y (TTM)41.25%
Revenue growth 3Y28.34%
Revenue growth 5Y31.19%
Sales Q2Q%28.7%

3.2 Future

  • GF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.42% yearly.
  • The Revenue is expected to grow by 12.63% on average over the next years. This is quite good.
EPS Next Y11.11%
EPS Next 2Y14.41%
EPS Next 3Y16.42%
EPS Next 5YN/A
Revenue Next Year12.55%
Revenue Next 2Y12.63%
Revenue Next 3YN/A
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.
GF.MI Yearly Revenue VS EstimatesGF.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M
GF.MI Yearly EPS VS EstimatesGF.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 2028 1 2 3

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8

4. GF.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.66, the valuation of GF can be described as very cheap.
  • Based on the Price/Earnings ratio, GF is valued cheaper than 81.03% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of GF to the average of the S&P500 Index (25.71), we can say GF is valued rather cheaply.
  • A Price/Forward Earnings ratio of 10.06 indicates a reasonable valuation of GF.
  • GF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GF is cheaper than 65.52% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.83. GF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.66
Fwd PE 10.06
GF.MI Price Earnings VS Forward Price EarningsGF.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • GF's Enterprise Value to EBITDA is on the same level as the industry average.
  • Based on the Price/Free Cash Flow ratio, GF is valued a bit cheaper than the industry average as 72.41% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.06
EV/EBITDA 10.94
GF.MI Per share dataGF.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

  • GF's 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.
  • GF's earnings are expected to grow with 16.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.69
PEG (5Y)0.19
EPS Next 2Y14.41%
EPS Next 3Y16.42%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. GF.MI Dividend Analysis

5.1 Amount

  • GF has a Yearly Dividend Yield of 5.09%, which is a nice return.
  • GF's Dividend Yield is a higher than the industry average which is at 2.51.
  • GF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 5.09%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 26.63% of the earnings are spent on dividend by GF. This is a low number and sustainable payout ratio.
DP26.63%
EPS Next 2Y14.41%
EPS Next 3Y16.42%
GF.MI Yearly Income VS Free CF VS DividendGF.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M 80M 100M
GF.MI Dividend Payout.GF.MI Dividend Payout, showing the Payout Ratio.GF.MI Dividend Payout.PayoutRetained Earnings

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GF.MI Fundamentals: All Metrics, Ratios and Statistics

GENERALFINANCE SPA

BIT:GF (3/16/2026, 2:13:01 PM)

25.9

-0.6 (-2.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners16.7%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap327.38M
Revenue(TTM)110.31M
Net Income(TTM)39.38M
Analysts86
Price Target28.66 (10.66%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.09%
Yearly Dividend0.59
Dividend Growth(5Y)N/A
DP26.63%
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)24.61%
PT rev (3m)24.61%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)7.07%
EPS NY rev (3m)8.46%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 7.66
Fwd PE 10.06
P/S 3.23
P/FCF 9.06
P/OCF 8.7
P/B 3.61
P/tB 3.76
EV/EBITDA 10.94
EPS(TTM)3.38
EY13.05%
EPS(NY)2.58
Fwd EY9.94%
FCF(TTM)2.86
FCFY11.04%
OCF(TTM)2.98
OCFY11.49%
SpS8.03
BVpS7.17
TBVpS6.89
PEG (NY)0.69
PEG (5Y)0.19
Graham Number23.35
Profitability
Industry RankSector Rank
ROA 5.02%
ROE 43.47%
ROCE 7.65%
ROIC 5.09%
ROICexc 6.26%
ROICexgc 6.48%
OM 58.27%
PM (TTM) 38.8%
GM 90.33%
FCFM 35.61%
ROA(3y)3.06%
ROA(5y)2.84%
ROE(3y)26.09%
ROE(5y)25.4%
ROIC(3y)3.22%
ROIC(5y)3.03%
ROICexc(3y)3.68%
ROICexc(5y)3.42%
ROICexgc(3y)3.75%
ROICexgc(5y)3.47%
ROCE(3y)4.85%
ROCE(5y)4.55%
ROICexgc growth 3Y11.35%
ROICexgc growth 5Y7.75%
ROICexc growth 3Y10.17%
ROICexc growth 5Y7.02%
OM growth 3Y5.14%
OM growth 5Y4.77%
PM growth 3Y7.72%
PM growth 5Y6.79%
GM growth 3Y0.78%
GM growth 5Y-0.07%
F-Score5
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 5.26
Debt/FCF 13.19
Debt/EBITDA 7.82
Cap/Depr 80.43%
Cap/Sales 1.45%
Interest Coverage 250
Cash Conversion 61.68%
Profit Quality 91.77%
Current Ratio 13.67
Quick Ratio 13.67
Altman-Z 0.98
F-Score5
WACC6.66%
ROIC/WACC0.76
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)35.26%
EPS 3Y38.24%
EPS 5Y40.1%
EPS Q2Q%25.32%
EPS Next Y11.11%
EPS Next 2Y14.41%
EPS Next 3Y16.42%
EPS Next 5YN/A
Revenue 1Y (TTM)41.25%
Revenue growth 3Y28.34%
Revenue growth 5Y31.19%
Sales Q2Q%28.7%
Revenue Next Year12.55%
Revenue Next 2Y12.63%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y43.26%
EBIT growth 3Y34.93%
EBIT growth 5Y37.45%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-21.64%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-23.24%
OCF growth 3YN/A
OCF growth 5YN/A

GENERALFINANCE SPA / GF.MI Fundamental Analysis 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 8 / 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 11.11% in the next year.


Is the dividend of GENERALFINANCE SPA sustainable?

The dividend rating of GENERALFINANCE SPA (GF.MI) is 6 / 10 and the dividend payout ratio is 26.63%.