INDEL B SPA (INDB.MI) Stock Fundamental Analysis
Europe - BIT:INDB - IT0005245508 - Common Stock
20.1 EUR
+0.1 (+0.5%)
Overall INDB gets a fundamental rating of 5 out of 10. We evaluated INDB against 34 industry peers in the Household Durables industry. INDB has an average financial health and profitability rating. INDB has a valuation in line with the averages, but on the other hand it scores bad on growth. INDB also has an excellent dividend rating. With these ratings, INDB could be worth investigating further for dividend investing!.
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.
Each year in the past 5 years INDB has been profitable.
INDB had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of INDB (4.08%) is better than 76.47% of its industry peers.
Looking at the Return On Equity, with a value of 7.64%, INDB is in the better half of the industry, outperforming 67.65% of the companies in the same industry.
The Return On Invested Capital of INDB (5.27%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for INDB is below the industry average of 10.91%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.08% | ||
| ROE | 7.64% | ||
| ROIC | 5.27% |
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
INDB's Profit Margin of 5.34% is fine compared to the rest of the industry. INDB outperforms 76.47% of its industry peers.
In the last couple of years the Profit Margin of INDB has declined.
INDB has a Operating Margin of 6.74%. This is in the better half of the industry: INDB outperforms 67.65% of its industry peers.
In the last couple of years the Operating Margin of INDB has declined.
Looking at the Gross Margin, with a value of 42.99%, INDB is in line with its industry, outperforming 58.82% of the companies in the same industry.
INDB's Gross Margin has been stable in the last couple of years.
| 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so INDB is still creating some value.
INDB has less shares outstanding than it did 1 year ago.
The number of shares outstanding for INDB has been reduced compared to 5 years ago.
INDB has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.01 indicates that INDB is not a great score, but indicates only limited risk for bankruptcy at the moment.
INDB has a Altman-Z score (2.01) which is in line with its industry peers.
The Debt to FCF ratio of INDB is 9.81, which is on the high side as it means it would take INDB, 9.81 years of fcf income to pay off all of its debts.
INDB has a Debt to FCF ratio of 9.81. This is comparable to the rest of the industry: INDB outperforms 58.82% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that INDB is not too dependend on debt financing.
INDB has a Debt to Equity ratio of 0.26. This is in the better half of the industry: INDB outperforms 67.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 9.81 | ||
| Altman-Z | 2.01 |
ROIC/WACC0.77
WACC6.84%
2.3 Liquidity
A Current Ratio of 2.05 indicates that INDB has no problem at all paying its short term obligations.
With a decent Current ratio value of 2.05, INDB is doing good in the industry, outperforming 67.65% of the companies in the same industry.
INDB has a Quick Ratio of 1.10. 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 Quick ratio (1.10) than 70.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.05 | ||
| Quick Ratio | 1.1 |
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.
INDB shows a decrease in Revenue. In the last year, the revenue decreased by -9.76%.
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%174.19%
Revenue 1Y (TTM)-9.76%
Revenue growth 3Y2.41%
Revenue growth 5Y5.55%
Sales Q2Q%-1.94%
3.2 Future
INDB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.32% yearly.
The Revenue is expected to grow by 3.80% 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 Year0.45%
Revenue Next 2Y4.34%
Revenue Next 3Y3.8%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
The Price/Earnings ratio is 10.26, which indicates a very decent valuation of INDB.
79.41% of the companies in the same industry are more expensive than INDB, based on the Price/Earnings ratio.
INDB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.77.
The Price/Forward Earnings ratio is 7.19, which indicates a rather cheap valuation of INDB.
Based on the Price/Forward Earnings ratio, INDB is valued cheaper than 82.35% of the companies in the same industry.
INDB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.26 | ||
| Fwd PE | 7.19 |
4.2 Price Multiples
INDB's Enterprise Value to EBITDA ratio is in line with the industry average.
INDB's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.26 | ||
| EV/EBITDA | 7.29 |
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
With a Yearly Dividend Yield of 4.05%, INDB is a good candidate for dividend investing.
INDB's Dividend Yield is a higher than the industry average which is at 5.04.
INDB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.05% |
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 41.75% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of INDB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP41.75%
EPS Next 2Y10.35%
EPS Next 3Y8.32%
BIT:INDB (10/13/2025, 7:00:00 PM)
20.1
+0.1 (+0.5%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)
Earnings (Next)
Inst Owners10.92%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap117.38M
Analysts42.22
Price Target25.5 (26.87%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.05% |
Yearly Dividend0.85
Dividend Growth(5Y)4.11%
DP41.75%
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)0%
EPS NY rev (3m)8.38%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.98%
Revenue NY rev (3m)1.8%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.26 | ||
| Fwd PE | 7.19 | ||
| P/S | 0.59 | ||
| P/FCF | 19.26 | ||
| P/OCF | 8.37 | ||
| P/B | 0.84 | ||
| P/tB | 1.22 | ||
| EV/EBITDA | 7.29 |
EPS(TTM)1.96
EY9.75%
EPS(NY)2.79
Fwd EY13.9%
FCF(TTM)1.04
FCFY5.19%
OCF(TTM)2.4
OCFY11.94%
SpS34.17
BVpS23.88
TBVpS16.47
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.08% | ||
| ROE | 7.64% | ||
| ROCE | 7.35% | ||
| ROIC | 5.27% | ||
| ROICexc | 6.37% | ||
| ROICexgc | 8.89% | ||
| OM | 6.74% | ||
| PM (TTM) | 5.34% | ||
| GM | 42.99% | ||
| FCFM | 3.05% |
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-Score6
Asset Turnover0.76
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 9.81 | ||
| Debt/EBITDA | 1.84 | ||
| Cap/Depr | 126.12% | ||
| Cap/Sales | 3.97% | ||
| Interest Coverage | 10.53 | ||
| Cash Conversion | 71.05% | ||
| Profit Quality | 57.19% | ||
| Current Ratio | 2.05 | ||
| Quick Ratio | 1.1 | ||
| Altman-Z | 2.01 |
F-Score6
WACC6.84%
ROIC/WACC0.77
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%174.19%
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%-1.94%
Revenue Next Year0.45%
Revenue Next 2Y4.34%
Revenue Next 3Y3.8%
Revenue Next 5YN/A
EBIT growth 1Y-16.48%
EBIT growth 3Y-6.57%
EBIT growth 5Y-4.44%
EBIT Next Year35.33%
EBIT Next 3Y21.7%
EBIT Next 5YN/A
FCF growth 1Y-64.2%
FCF growth 3YN/A
FCF growth 5Y2.06%
OCF growth 1Y-35.1%
OCF growth 3Y45.93%
OCF growth 5Y1.35%