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REVO INSURANCE SPA (REVO.MI) Stock Fundamental Analysis

BIT:REVO - Common Stock

17.16 EUR
-0.14 (-0.81%)
Last: 9/9/2025, 5:29:41 PM
Fundamental Rating

4

Overall REVO gets a fundamental rating of 4 out of 10. We evaluated REVO against 38 industry peers in the Insurance industry. REVO has only an average score on both its financial health and profitability. REVO is valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

REVO had positive earnings in the past year.
In the past year REVO had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: REVO reported negative net income in multiple years.
In multiple years REVO reported negative operating cash flow during the last 5 years.
REVO.MI Yearly Net Income VS EBIT VS OCF VS FCFREVO.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 0 -50M -100M

1.2 Ratios

REVO has a Return On Assets of 3.59%. This is amongst the best in the industry. REVO outperforms 92.11% of its industry peers.
REVO's Return On Equity of 7.60% is on the low side compared to the rest of the industry. REVO is outperformed by 81.58% of its industry peers.
REVO has a Return On Invested Capital of 3.88%. This is amongst the best in the industry. REVO outperforms 89.47% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for REVO is in line with the industry average of 2.28%.
The last Return On Invested Capital (3.88%) for REVO is above the 3 year average (2.58%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 3.59%
ROE 7.6%
ROIC 3.88%
ROA(3y)2.6%
ROA(5y)N/A
ROE(3y)5.05%
ROE(5y)N/A
ROIC(3y)2.58%
ROIC(5y)N/A
REVO.MI Yearly ROA, ROE, ROICREVO.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 0 2 -2 4 -4 6 -6

1.3 Margins

Looking at the Profit Margin, with a value of 9.80%, REVO is in the better half of the industry, outperforming 60.53% of the companies in the same industry.
The Operating Margin of REVO (12.38%) is comparable to the rest of the industry.
Industry RankSector Rank
OM 12.38%
PM (TTM) 9.8%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
REVO.MI Yearly Profit, Operating, Gross MarginsREVO.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 0 -100 -200 -300

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4

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so REVO is destroying value.
The number of shares outstanding for REVO has been reduced compared to 1 year ago.
The debt/assets ratio for REVO has been reduced compared to a year ago.
REVO.MI Yearly Shares OutstandingREVO.MI Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 5M 10M 15M 20M 25M
REVO.MI Yearly Total Debt VS Total AssetsREVO.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.2 Solvency

REVO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.36
Altman-Z N/A
ROIC/WACC0.48
WACC8.02%
REVO.MI Yearly LT Debt VS Equity VS FCFREVO.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 0 100M -100M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
REVO.MI Yearly Current Assets VS Current LiabilitesREVO.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 10M 20M 30M

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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 73.33% over the past year.
The Revenue has grown by 34.37% in the past year. This is a very strong growth!
The Revenue has been growing by 246.88% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)73.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%107.61%
Revenue 1Y (TTM)34.37%
Revenue growth 3Y246.88%
Revenue growth 5YN/A
Sales Q2Q%28.94%

3.2 Future

The Earnings Per Share is expected to grow by 16.99% on average over the next years. This is quite good.
The Revenue is expected to grow by 16.71% on average over the next years. This is quite good.
EPS Next Y8.92%
EPS Next 2Y16.83%
EPS Next 3Y22.33%
EPS Next 5Y16.99%
Revenue Next Year17.45%
Revenue Next 2Y15.54%
Revenue Next 3Y16.71%
Revenue Next 5YN/A

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
REVO.MI Yearly Revenue VS EstimatesREVO.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M
REVO.MI Yearly EPS VS EstimatesREVO.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 26.00 indicates a quite expensive valuation of REVO.
REVO's Price/Earnings ratio is rather expensive when compared to the industry. REVO is more expensive than 86.84% of the companies in the same industry.
When comparing the Price/Earnings ratio of REVO to the average of the S&P500 Index (27.02), we can say REVO is valued inline with the index average.
A Price/Forward Earnings ratio of 16.37 indicates a correct valuation of REVO.
REVO's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. REVO is more expensive than 78.95% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of REVO to the average of the S&P500 Index (22.66), we can say REVO is valued slightly cheaper.
Industry RankSector Rank
PE 26
Fwd PE 16.37
REVO.MI Price Earnings VS Forward Price EarningsREVO.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of REVO is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 11.85
EV/EBITDA N/A
REVO.MI Per share dataREVO.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates REVO does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as REVO's earnings are expected to grow with 22.33% in the coming years.
PEG (NY)2.91
PEG (5Y)N/A
EPS Next 2Y16.83%
EPS Next 3Y22.33%

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2

5. Dividend

5.1 Amount

REVO has a Yearly Dividend Yield of 1.27%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 1.27, REVO pays less dividend than the industry average, which is at 4.48. 89.47% of the companies listed in the same industry pay a better dividend than REVO!
Compared to an average S&P500 Dividend Yield of 2.45, REVO's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.27%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

10.75% of the earnings are spent on dividend by REVO. This is a low number and sustainable payout ratio.
DP10.75%
EPS Next 2Y16.83%
EPS Next 3Y22.33%
REVO.MI Yearly Income VS Free CF VS DividendREVO.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2020 2021 2022 2023 2024 0 -50M -100M
REVO.MI Dividend Payout.REVO.MI Dividend Payout, showing the Payout Ratio.REVO.MI Dividend Payout.PayoutRetained Earnings

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REVO INSURANCE SPA

BIT:REVO (9/9/2025, 5:29:41 PM)

17.16

-0.14 (-0.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners12.95%
Inst Owner ChangeN/A
Ins Owners6.73%
Ins Owner ChangeN/A
Market Cap451.65M
Analysts86
Price Target18.72 (9.09%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.27%
Yearly Dividend0.15
Dividend Growth(5Y)N/A
DP10.75%
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)0.27%
PT rev (3m)25.9%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-17.69%
EPS NY rev (3m)-17.69%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.14%
Revenue NY rev (3m)3.75%
Valuation
Industry RankSector Rank
PE 26
Fwd PE 16.37
P/S 2.38
P/FCF 11.85
P/OCF 10.34
P/B 1.85
P/tB 3.03
EV/EBITDA N/A
EPS(TTM)0.66
EY3.85%
EPS(NY)1.05
Fwd EY6.11%
FCF(TTM)1.45
FCFY8.44%
OCF(TTM)1.66
OCFY9.67%
SpS7.2
BVpS9.29
TBVpS5.67
PEG (NY)2.91
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.59%
ROE 7.6%
ROCE 4.83%
ROIC 3.88%
ROICexc 3.9%
ROICexgc 7.63%
OM 12.38%
PM (TTM) 9.8%
GM N/A
FCFM 20.11%
ROA(3y)2.6%
ROA(5y)N/A
ROE(3y)5.05%
ROE(5y)N/A
ROIC(3y)2.58%
ROIC(5y)N/A
ROICexc(3y)2.6%
ROICexc(5y)N/A
ROICexgc(3y)4.89%
ROICexgc(5y)N/A
ROCE(3y)3.2%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.37
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.36
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 2.95%
Interest Coverage 250
Cash Conversion N/A
Profit Quality 205.14%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8.02%
ROIC/WACC0.48
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)9.84%
Cap/Sales(5y)N/A
Profit Quality(3y)310.45%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)73.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%107.61%
EPS Next Y8.92%
EPS Next 2Y16.83%
EPS Next 3Y22.33%
EPS Next 5Y16.99%
Revenue 1Y (TTM)34.37%
Revenue growth 3Y246.88%
Revenue growth 5YN/A
Sales Q2Q%28.94%
Revenue Next Year17.45%
Revenue Next 2Y15.54%
Revenue Next 3Y16.71%
Revenue Next 5YN/A
EBIT growth 1Y122.23%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year936.45%
EBIT Next 3Y135.46%
EBIT Next 5YN/A
FCF growth 1Y-9.64%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-1.6%
OCF growth 3YN/A
OCF growth 5YN/A