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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

MFT gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 28 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 This makes MFT very considerable for value investing!


Dividend Valuation Growth Profitability Health

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8

1. Profitability

1.1 Basic Checks

In the past year MFT was profitable.
In the past year MFT had a positive cash flow from operations.
In the past 5 years MFT has always been profitable.
Of the past 5 years MFT 4 years had a positive operating cash flow.
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

The Return On Assets of MFT (9.59%) is better than 82.14% of its industry peers.
MFT has a better Return On Equity (15.91%) than 78.57% of its industry peers.
With an excellent Return On Invested Capital value of 13.21%, MFT belongs to the best of the industry, outperforming 82.14% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for MFT is below the industry average of 16.95%.
The last Return On Invested Capital (13.21%) for MFT is above the 3 year average (13.17%), which is a sign of increasing profitability.
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

The Profit Margin of MFT (12.93%) is better than 85.71% of its industry peers.
In the last couple of years the Profit Margin of MFT has grown nicely.
MFT's Operating Margin of 17.26% is amongst the best of the industry. MFT outperforms 92.86% of its industry peers.
MFT's Operating Margin has improved in the last couple of years.
MFT has a Gross Margin of 69.02%. This is amongst the best in the industry. MFT outperforms 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

The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so MFT is creating value.
The number of shares outstanding for MFT remains at a similar level compared to 1 year ago.
The number of shares outstanding for MFT has been increased compared to 5 years ago.
MFT has a better debt/assets ratio than last year.
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.
Looking at the Altman-Z score, with a value of 3.14, MFT is in the better half of the industry, outperforming 67.86% of the companies in the same industry.
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 has a Debt to FCF ratio of 8.61. This is in the better half of the industry: MFT outperforms 60.71% of its industry peers.
MFT has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of MFT (0.22) is better 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

MFT has a Current Ratio of 2.43. This indicates that MFT is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 2.43, MFT is in the better half of the industry, outperforming 78.57% of the companies in the same industry.
A Quick Ratio of 1.78 indicates that MFT should not have too much problems paying its short term obligations.
The Quick ratio of MFT (1.78) is better 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.
Measured over the past years, MFT shows a very strong growth in Earnings Per Share. The EPS has been growing by 53.23% on average per year.
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.
MFT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.47% yearly.
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

The Price/Earnings ratio is 6.78, which indicates a rather cheap valuation of MFT.
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.
The average S&P500 Price/Earnings ratio is at 27.35. MFT is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 4.98, the valuation of MFT can be described as very cheap.
100.00% of the companies in the same industry are more expensive than MFT, based on the Price/Forward Earnings ratio.
MFT is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.54, which is the current average of the S&P500 Index.
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

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MFT indicates a rather cheap valuation: MFT is cheaper than 82.14% of the companies listed in the same industry.
67.86% of the companies in the same industry are more expensive than MFT, based on the Price/Free Cash Flow ratio.
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%