MATICA FINTEC SPA (MFT.MI) Fundamental Analysis & Valuation

BIT:MFT • IT0005388449

Current stock price

2.14 EUR
+0.27 (+14.13%)
Last:

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

7

1. MFT.MI Profitability Analysis

1.1 Basic Checks

  • In the past year MFT was profitable.
  • MFT had a positive operating cash flow in the past year.
  • Each year in the past 5 years MFT has 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

  • Looking at the Return On Assets, with a value of 7.06%, MFT is in the better half of the industry, outperforming 79.41% of the companies in the same industry.
  • MFT's Return On Equity of 11.49% is fine compared to the rest of the industry. MFT outperforms 70.59% of its industry peers.
  • The Return On Invested Capital of MFT (11.02%) is better than 64.71% 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 17.66%.
Industry RankSector Rank
ROA 7.06%
ROE 11.49%
ROIC 11.02%
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 9.68%, MFT is in the better half of the industry, outperforming 73.53% of the companies in the same industry.
  • In the last couple of years the Profit Margin of MFT has grown nicely.
  • The Operating Margin of MFT (13.86%) is better than 73.53% of its industry peers.
  • MFT's Operating Margin has improved in the last couple of years.
  • MFT's Gross Margin of 69.37% is amongst the best of the industry. MFT outperforms 91.18% of its industry peers.
  • MFT's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 13.86%
PM (TTM) 9.68%
GM 69.37%
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. MFT.MI Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), MFT is creating some 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 5.40. 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 5.40, MFT belongs to the top of the industry, outperforming 85.29% of the companies in the same industry.
  • The Debt to FCF ratio of MFT is 2.28, which is a good value as it means it would take MFT, 2.28 years of fcf income to pay off all of its debts.
  • MFT has a better Debt to FCF ratio (2.28) than 76.47% of its industry peers.
  • A Debt/Equity ratio of 0.13 indicates that MFT is not too dependend on debt financing.
  • MFT has a better Debt to Equity ratio (0.13) than 79.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 2.28
Altman-Z 5.4
ROIC/WACC1.38
WACC8.01%
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 2.13 indicates that MFT has no problem at all paying its short term obligations.
  • MFT has a better Current ratio (2.13) than 79.41% of its industry peers.
  • A Quick Ratio of 1.46 indicates that MFT should not have too much problems paying its short term obligations.
  • MFT has a Quick ratio of 1.46. This is in the better half of the industry: MFT outperforms 79.41% of its industry peers.
Industry RankSector Rank
Current Ratio 2.13
Quick Ratio 1.46
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. MFT.MI Growth Analysis

3.1 Past

  • MFT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -22.80%.
  • 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 -6.23%.
  • The Revenue has been growing slightly by 7.39% on average over the past years.
EPS 1Y (TTM)-22.8%
EPS 3Y32.07%
EPS 5Y53.23%
EPS Q2Q%-55.88%
Revenue 1Y (TTM)-6.23%
Revenue growth 3Y13.42%
Revenue growth 5Y7.39%
Sales Q2Q%-3.83%

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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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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7

4. MFT.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • MFT is valuated reasonably with a Price/Earnings ratio of 11.26.
  • 88.24% of the companies in the same industry are more expensive than MFT, based on the Price/Earnings ratio.
  • MFT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.23.
  • MFT is valuated cheaply with a Price/Forward Earnings ratio of 6.29.
  • Based on the Price/Forward Earnings ratio, MFT is valued cheaply inside the industry as 97.06% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of MFT to the average of the S&P500 Index (23.28), we can say MFT is valued rather cheaply.
Industry RankSector Rank
PE 11.26
Fwd PE 6.29
MFT.MI Price Earnings VS Forward Price EarningsMFT.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MFT indicates a somewhat cheap valuation: MFT is cheaper than 61.76% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, MFT is valued a bit cheaper than 64.71% of the companies in the same industry.
Industry RankSector Rank
P/FCF 29
EV/EBITDA 17.08
MFT.MI Per share dataMFT.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.2 0.4 0.6

4.3 Compensation for Growth

  • MFT has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.21
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

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

0

5. MFT.MI Dividend Analysis

5.1 Amount

  • No dividends for MFT!.
Industry RankSector Rank
Dividend Yield 0%

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MFT.MI Fundamentals: All Metrics, Ratios and Statistics

MATICA FINTEC SPA

BIT:MFT (3/20/2026, 7:00:00 PM)

2.14

+0.27 (+14.13%)

Chartmill FA Rating
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners0.85%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap74.00M
Revenue(TTM)21.01M
Net Income(TTM)2.03M
Analysts80
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
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 11.26
Fwd PE 6.29
P/S 3.52
P/FCF 29
P/OCF 27.82
P/B 4.18
P/tB 7.51
EV/EBITDA 17.08
EPS(TTM)0.19
EY8.88%
EPS(NY)0.34
Fwd EY15.91%
FCF(TTM)0.07
FCFY3.45%
OCF(TTM)0.08
OCFY3.59%
SpS0.61
BVpS0.51
TBVpS0.28
PEG (NY)N/A
PEG (5Y)0.21
Graham Number1.48
Profitability
Industry RankSector Rank
ROA 7.06%
ROE 11.49%
ROCE 14.15%
ROIC 11.02%
ROICexc 12.9%
ROICexgc 23.3%
OM 13.86%
PM (TTM) 9.68%
GM 69.37%
FCFM 12.15%
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%
ROICexgc growth 3Y-26.48%
ROICexgc 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 Turnover0.73
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 2.28
Debt/EBITDA 0.62
Cap/Depr 12.08%
Cap/Sales 0.52%
Interest Coverage 250
Cash Conversion 69.83%
Profit Quality 125.43%
Current Ratio 2.13
Quick Ratio 1.46
Altman-Z 5.4
F-Score5
WACC8.01%
ROIC/WACC1.38
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)-22.8%
EPS 3Y32.07%
EPS 5Y53.23%
EPS Q2Q%-55.88%
EPS Next Y-15.75%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-6.23%
Revenue growth 3Y13.42%
Revenue growth 5Y7.39%
Sales Q2Q%-3.83%
Revenue Next Year15.22%
Revenue Next 2Y5.47%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-28.66%
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%

MATICA FINTEC SPA / MFT.MI Fundamental Analysis FAQ

What is the fundamental rating for MFT stock?

ChartMill assigns a fundamental rating of 6 / 10 to MFT.MI.


Can you provide the valuation status for MATICA FINTEC SPA?

ChartMill assigns a valuation rating of 7 / 10 to MATICA FINTEC SPA (MFT.MI). This can be considered as Undervalued.


Can you provide the profitability details for MATICA FINTEC SPA?

MATICA FINTEC SPA (MFT.MI) has a profitability rating of 7 / 10.


Can you provide the PE and PB ratios for MFT stock?

The Price/Earnings (PE) ratio for MATICA FINTEC SPA (MFT.MI) is 11.26 and the Price/Book (PB) ratio is 4.18.