INDEL B SPA (INDB.MI) Stock Fundamental Analysis
BIT:INDB - IT0005245508 - Common Stock
19.85 EUR
+0.28 (+1.4%)
Taking everything into account, INDB scores 5 out of 10 in our fundamental rating. INDB was compared to 33 industry peers in the Household Durables industry. INDB has only an average score on both its financial health and profitability. INDB has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally INDB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year INDB was profitable.
In the past year INDB had a positive cash flow from operations.
In the past 5 years INDB has always been profitable.
Of the past 5 years INDB 4 years had a positive operating cash flow.
1.2 Ratios
INDB's Return On Assets of 5.23% is fine compared to the rest of the industry. INDB outperforms 72.73% of its industry peers.
The Return On Equity of INDB (8.61%) is comparable to the rest of the industry.
INDB has a Return On Invested Capital (6.79%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for INDB is below the industry average of 10.58%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.23% | ||
| ROE | 8.61% | ||
| ROIC | 6.79% |
ROA(3y)5.09%
ROA(5y)6.04%
ROE(3y)8.94%
ROE(5y)10.97%
ROIC(3y)7.68%
ROIC(5y)7.55%
1.3 Margins
With a decent Profit Margin value of 5.34%, INDB is doing good in the industry, outperforming 69.70% of the companies in the same industry.
In the last couple of years the Profit Margin of INDB has declined.
INDB has a Operating Margin (6.74%) which is in line with its industry peers.
In the last couple of years the Operating Margin of INDB has declined.
INDB has a Gross Margin of 42.99%. This is in the better half of the industry: INDB outperforms 63.64% of its industry peers.
In the last couple of years the Gross Margin of INDB has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.74% | ||
| PM (TTM) | 5.34% | ||
| GM | 42.99% |
OM growth 3Y-8.77%
OM growth 5Y-9.46%
PM growth 3Y-25.75%
PM growth 5Y-12.36%
GM growth 3Y-2.24%
GM growth 5Y0.07%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), INDB is creating some value.
INDB has less shares outstanding than it did 1 year ago.
INDB has less shares outstanding than it did 5 years ago.
The debt/assets ratio for INDB has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.50 indicates that INDB is not a great score, but indicates only limited risk for bankruptcy at the moment.
With a decent Altman-Z score value of 2.50, INDB is doing good in the industry, outperforming 60.61% of the companies in the same industry.
The Debt to FCF ratio of INDB is 3.11, which is a good value as it means it would take INDB, 3.11 years of fcf income to pay off all of its debts.
INDB's Debt to FCF ratio of 3.11 is fine compared to the rest of the industry. INDB outperforms 75.76% of its industry peers.
A Debt/Equity ratio of 0.09 indicates that INDB is not too dependend on debt financing.
INDB has a better Debt to Equity ratio (0.09) than 90.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 3.11 | ||
| Altman-Z | 2.5 |
ROIC/WACC1
WACC6.78%
2.3 Liquidity
INDB has a Current Ratio of 1.97. This is a normal value and indicates that INDB is financially healthy and should not expect problems in meeting its short term obligations.
INDB has a better Current ratio (1.97) than 63.64% of its industry peers.
A Quick Ratio of 0.92 indicates that INDB may have some problems paying its short term obligations.
INDB has a Quick ratio of 0.92. This is comparable to the rest of the industry: INDB outperforms 48.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.97 | ||
| Quick Ratio | 0.92 |
3. Growth
3.1 Past
INDB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.59%.
INDB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.26% yearly.
The Revenue has decreased by -9.76% in the past year.
Measured over the past years, INDB shows a small growth in Revenue. The Revenue has been growing by 5.55% on average per year.
EPS 1Y (TTM)5.59%
EPS 3Y-22.76%
EPS 5Y-6.26%
EPS Q2Q%114.82%
Revenue 1Y (TTM)-9.76%
Revenue growth 3Y2.41%
Revenue growth 5Y5.55%
Sales Q2Q%-9.5%
3.2 Future
Based on estimates for the next years, INDB will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.32% on average per year.
The Revenue is expected to grow by 4.25% on average over the next years.
EPS Next Y-13.78%
EPS Next 2Y10.35%
EPS Next 3Y8.32%
EPS Next 5YN/A
Revenue Next Year1.44%
Revenue Next 2Y5.04%
Revenue Next 3Y4.25%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.13 indicates a reasonable valuation of INDB.
INDB's Price/Earnings ratio is a bit cheaper when compared to the industry. INDB is cheaper than 69.70% of the companies in the same industry.
When comparing the Price/Earnings ratio of INDB to the average of the S&P500 Index (27.43), we can say INDB is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.03, the valuation of INDB can be described as very reasonable.
INDB's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of INDB to the average of the S&P500 Index (22.87), we can say INDB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.13 | ||
| Fwd PE | 10.03 |
4.2 Price Multiples
66.67% of the companies in the same industry are more expensive than INDB, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, INDB is valued a bit cheaper than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.56 | ||
| EV/EBITDA | 6.5 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y10.35%
EPS Next 3Y8.32%
5. Dividend
5.1 Amount
INDB has a Yearly Dividend Yield of 4.07%, which is a nice return.
Compared to an average industry Dividend Yield of 4.71, INDB pays a bit more dividend than its industry peers.
INDB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.07% |
5.2 History
The dividend of INDB has a limited annual growth rate of 4.11%.
Dividend Growth(5Y)4.11%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
INDB pays out 43.40% of its income as dividend. This is a bit on the high side, but may be sustainable.
INDB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP43.4%
EPS Next 2Y10.35%
EPS Next 3Y8.32%
BIT:INDB (9/10/2025, 7:00:00 PM)
19.85
+0.28 (+1.4%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)
Earnings (Next)
Inst Owners11.64%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap115.92M
Analysts42.22
Price Target25.5 (28.46%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.07% |
Yearly Dividend0.85
Dividend Growth(5Y)4.11%
DP43.4%
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)4.17%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)8.38%
EPS NY rev (3m)8.38%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.13 | ||
| Fwd PE | 10.03 | ||
| P/S | 0.58 | ||
| P/FCF | 13.56 | ||
| P/OCF | 6.7 | ||
| P/B | 0.94 | ||
| P/tB | 1.09 | ||
| EV/EBITDA | 6.5 |
EPS(TTM)1.96
EY9.87%
EPS(NY)1.98
Fwd EY9.97%
FCF(TTM)1.46
FCFY7.37%
OCF(TTM)2.96
OCFY14.92%
SpS34.17
BVpS21.19
TBVpS18.27
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.23% | ||
| ROE | 8.61% | ||
| ROCE | 9.44% | ||
| ROIC | 6.79% | ||
| ROICexc | 7.66% | ||
| ROICexgc | 8.85% | ||
| OM | 6.74% | ||
| PM (TTM) | 5.34% | ||
| GM | 42.99% | ||
| FCFM | 4.28% |
ROA(3y)5.09%
ROA(5y)6.04%
ROE(3y)8.94%
ROE(5y)10.97%
ROIC(3y)7.68%
ROIC(5y)7.55%
ROICexc(3y)9.07%
ROICexc(5y)9.38%
ROICexgc(3y)10.58%
ROICexgc(5y)11.18%
ROCE(3y)10.7%
ROCE(5y)10.5%
ROICexcg growth 3Y-10.76%
ROICexcg growth 5Y-10.12%
ROICexc growth 3Y-9.04%
ROICexc growth 5Y-9.21%
OM growth 3Y-8.77%
OM growth 5Y-9.46%
PM growth 3Y-25.75%
PM growth 5Y-12.36%
GM growth 3Y-2.24%
GM growth 5Y0.07%
F-Score7
Asset Turnover0.98
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 3.11 | ||
| Debt/EBITDA | 0.56 | ||
| Cap/Depr | 148.68% | ||
| Cap/Sales | 4.38% | ||
| Interest Coverage | 13.09 | ||
| Cash Conversion | 89.46% | ||
| Profit Quality | 80.18% | ||
| Current Ratio | 1.97 | ||
| Quick Ratio | 0.92 | ||
| Altman-Z | 2.5 |
F-Score7
WACC6.78%
ROIC/WACC1
Cap/Depr(3y)130.37%
Cap/Depr(5y)133.09%
Cap/Sales(3y)3.54%
Cap/Sales(5y)3.91%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)5.59%
EPS 3Y-22.76%
EPS 5Y-6.26%
EPS Q2Q%114.82%
EPS Next Y-13.78%
EPS Next 2Y10.35%
EPS Next 3Y8.32%
EPS Next 5YN/A
Revenue 1Y (TTM)-9.76%
Revenue growth 3Y2.41%
Revenue growth 5Y5.55%
Sales Q2Q%-9.5%
Revenue Next Year1.44%
Revenue Next 2Y5.04%
Revenue Next 3Y4.25%
Revenue Next 5YN/A
EBIT growth 1Y-16.48%
EBIT growth 3Y-6.57%
EBIT growth 5Y-4.44%
EBIT Next Year25.15%
EBIT Next 3Y17.08%
EBIT Next 5YN/A
FCF growth 1Y-65.56%
FCF growth 3YN/A
FCF growth 5Y2.06%
OCF growth 1Y-48.25%
OCF growth 3Y45.93%
OCF growth 5Y1.35%