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MATICA FINTEC SPA (MFT.MI) Stock Fundamental Analysis

BIT:MFT - Euronext Milan - IT0005388449 - Common Stock - Currency: EUR

1.695  +0.04 (+2.11%)

Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to MFT. MFT was compared to 27 industry peers in the Technology Hardware, Storage & Peripherals industry. MFT has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. MFT may be a bit undervalued, certainly considering the very reasonable score on growth With these ratings, MFT could be worth investigating further for value investing!.


Dividend Valuation Growth Profitability Health

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8

1. Profitability

1.1 Basic Checks

MFT had positive earnings in the past year.
In the past year MFT had a positive cash flow from operations.
MFT had positive earnings in each of the past 5 years.
MFT had a positive operating cash flow in 4 of the past 5 years.
MFT.MI Yearly Net Income VS EBIT VS OCF VS FCFMFT.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 1M 2M 3M

1.2 Ratios

Looking at the Return On Assets, with a value of 9.59%, MFT belongs to the top of the industry, outperforming 82.14% of the companies in the same industry.
Looking at the Return On Equity, with a value of 15.91%, MFT is in the better half of the industry, outperforming 78.57% of the companies in the same industry.
MFT has a better Return On Invested Capital (13.21%) than 82.14% of its industry peers.
MFT had an Average Return On Invested Capital over the past 3 years of 13.17%. This is below the industry average of 17.22%.
The 3 year average ROIC (13.17%) for MFT is below the current ROIC(13.21%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 9.59%
ROE 15.91%
ROIC 13.21%
ROA(3y)8.31%
ROA(5y)6.02%
ROE(3y)17.07%
ROE(5y)13.23%
ROIC(3y)13.17%
ROIC(5y)10.01%
MFT.MI Yearly ROA, ROE, ROICMFT.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 -30

1.3 Margins

Looking at the Profit Margin, with a value of 12.93%, MFT belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
In the last couple of years the Profit Margin of MFT has grown nicely.
MFT has a Operating Margin of 17.26%. This is amongst the best in the industry. MFT outperforms 92.86% of its industry peers.
MFT's Operating Margin has improved in the last couple of years.
The Gross Margin of MFT (69.02%) is better than 92.86% of its industry peers.
MFT's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 17.26%
PM (TTM) 12.93%
GM 69.02%
OM growth 3Y6.48%
OM growth 5Y20.97%
PM growth 3Y15.59%
PM growth 5Y44.32%
GM growth 3Y2.7%
GM growth 5Y1.16%
MFT.MI Yearly Profit, Operating, Gross MarginsMFT.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 20 40 60

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7

2. Health

2.1 Basic Checks

MFT has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
The number of shares outstanding for MFT remains at a similar level compared to 1 year ago.
MFT has more shares outstanding than it did 5 years ago.
The debt/assets ratio for MFT has been reduced compared to a year ago.
MFT.MI Yearly Shares OutstandingMFT.MI Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
MFT.MI Yearly Total Debt VS Total AssetsMFT.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

2.2 Solvency

MFT has an Altman-Z score of 3.14. This indicates that MFT is financially healthy and has little risk of bankruptcy at the moment.
MFT has a Altman-Z score of 3.14. This is in the better half of the industry: MFT outperforms 67.86% of its industry peers.
MFT has a debt to FCF ratio of 8.61. This is a slightly negative value and a sign of low solvency as MFT would need 8.61 years to pay back of all of its debts.
MFT's Debt to FCF ratio of 8.61 is fine compared to the rest of the industry. MFT outperforms 60.71% of its industry peers.
A Debt/Equity ratio of 0.22 indicates that MFT is not too dependend on debt financing.
MFT has a better Debt to Equity ratio (0.22) than 78.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 8.61
Altman-Z 3.14
ROIC/WACC1.95
WACC6.79%
MFT.MI Yearly LT Debt VS Equity VS FCFMFT.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

2.3 Liquidity

A Current Ratio of 2.43 indicates that MFT has no problem at all paying its short term obligations.
The Current ratio of MFT (2.43) is better than 78.57% of its industry peers.
A Quick Ratio of 1.78 indicates that MFT should not have too much problems paying its short term obligations.
MFT has a better Quick ratio (1.78) than 82.14% of its industry peers.
Industry RankSector Rank
Current Ratio 2.43
Quick Ratio 1.78
MFT.MI Yearly Current Assets VS Current LiabilitesMFT.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

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4

3. Growth

3.1 Past

MFT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.20%, which is quite impressive.
The Earnings Per Share has been growing by 53.23% on average over the past years. This is a very strong growth
MFT shows a decrease in Revenue. In the last year, the revenue decreased by -6.30%.
The Revenue has been growing slightly by 7.39% on average over the past years.
EPS 1Y (TTM)26.2%
EPS 3Y32.07%
EPS 5Y53.23%
EPS Q2Q%10.5%
Revenue 1Y (TTM)-6.3%
Revenue growth 3Y13.42%
Revenue growth 5Y7.39%
Sales Q2Q%-8.62%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
Based on estimates for the next years, MFT will show a small growth in Revenue. The Revenue will grow by 5.47% on average per year.
EPS Next Y-15.75%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15.22%
Revenue Next 2Y5.47%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
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.
MFT.MI Yearly Revenue VS EstimatesMFT.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 5M 10M 15M 20M 25M
MFT.MI Yearly EPS VS EstimatesMFT.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4

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8

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 6.78, the valuation of MFT can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of MFT indicates a rather cheap valuation: MFT is cheaper than 100.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.05, MFT is valued rather cheaply.
A Price/Forward Earnings ratio of 4.98 indicates a rather cheap valuation of MFT.
MFT's Price/Forward Earnings ratio is rather cheap when compared to the industry. MFT is cheaper than 100.00% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of MFT to the average of the S&P500 Index (37.67), we can say MFT is valued rather cheaply.
Industry RankSector Rank
PE 6.78
Fwd PE 4.98
MFT.MI Price Earnings VS Forward Price EarningsMFT.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150

4.2 Price Multiples

MFT's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. MFT is cheaper than 82.14% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MFT indicates a somewhat cheap valuation: MFT is cheaper than 67.86% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 21.81
EV/EBITDA 4.69
MFT.MI Per share dataMFT.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5

4.3 Compensation for Growth

The excellent profitability rating of MFT may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.13
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

MFT does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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MATICA FINTEC SPA

BIT:MFT (7/17/2025, 7:00:00 PM)

1.695

+0.04 (+2.11%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners5.27%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap18.58M
Analysts80
Price Target2.14 (26.25%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
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)0%
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 6.78
Fwd PE 4.98
P/S 0.87
P/FCF 21.81
P/OCF 19.12
P/B 1.07
P/tB 1.91
EV/EBITDA 4.69
EPS(TTM)0.25
EY14.75%
EPS(NY)0.34
Fwd EY20.08%
FCF(TTM)0.08
FCFY4.58%
OCF(TTM)0.09
OCFY5.23%
SpS1.96
BVpS1.59
TBVpS0.89
PEG (NY)N/A
PEG (5Y)0.13
Profitability
Industry RankSector Rank
ROA 9.59%
ROE 15.91%
ROCE 16.97%
ROIC 13.21%
ROICexc 16.62%
ROICexgc 29.94%
OM 17.26%
PM (TTM) 12.93%
GM 69.02%
FCFM 3.97%
ROA(3y)8.31%
ROA(5y)6.02%
ROE(3y)17.07%
ROE(5y)13.23%
ROIC(3y)13.17%
ROIC(5y)10.01%
ROICexc(3y)24.83%
ROICexc(5y)20.23%
ROICexgc(3y)75.85%
ROICexgc(5y)63.64%
ROCE(3y)16.92%
ROCE(5y)12.86%
ROICexcg growth 3Y-26.48%
ROICexcg growth 5Y-23.09%
ROICexc growth 3Y-8.41%
ROICexc growth 5Y4.96%
OM growth 3Y6.48%
OM growth 5Y20.97%
PM growth 3Y15.59%
PM growth 5Y44.32%
GM growth 3Y2.7%
GM growth 5Y1.16%
F-Score5
Asset Turnover0.74
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 8.61
Debt/EBITDA 0.84
Cap/Depr 13.7%
Cap/Sales 0.56%
Interest Coverage 250
Cash Conversion 21.24%
Profit Quality 30.72%
Current Ratio 2.43
Quick Ratio 1.78
Altman-Z 3.14
F-Score5
WACC6.79%
ROIC/WACC1.95
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)26.2%
EPS 3Y32.07%
EPS 5Y53.23%
EPS Q2Q%10.5%
EPS Next Y-15.75%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-6.3%
Revenue growth 3Y13.42%
Revenue growth 5Y7.39%
Sales Q2Q%-8.62%
Revenue Next Year15.22%
Revenue Next 2Y5.47%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y4.87%
EBIT growth 3Y20.77%
EBIT growth 5Y29.9%
EBIT Next Year141.38%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-60.95%
FCF growth 3Y-37.69%
FCF growth 5Y13.61%
OCF growth 1Y-58.82%
OCF growth 3Y-35.38%
OCF growth 5Y8.37%