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REVO INSURANCE SPA (REVO.MI) Stock Fundamental Analysis

BIT:REVO - Euronext Milan - Common Stock - Currency: EUR

15.6  +0.2 (+1.3%)

Fundamental Rating

4

Overall REVO gets a fundamental rating of 4 out of 10. We evaluated REVO against 41 industry peers in the Insurance industry. Both the profitability and the financial health of REVO get a neutral evaluation. Nothing too spectacular is happening here. REVO is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year REVO was profitable.
REVO had a positive operating cash flow in the past year.
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 87.50% of its industry peers.
With a Return On Equity value of 7.60%, REVO is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
REVO's Return On Invested Capital of 3.88% is amongst the best of the industry. REVO outperforms 92.50% of its industry peers.
REVO had an Average Return On Invested Capital over the past 3 years of 2.58%. This is in line with the industry average of 2.11%.
The 3 year average ROIC (2.58%) for REVO is below the current ROIC(3.88%), indicating increased profibility in the last year.
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

REVO has a Profit Margin (9.80%) which is in line with its industry peers.
Looking at the Operating Margin, with a value of 12.38%, REVO is in line with its industry, outperforming 55.00% of the companies in the same 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.
Compared to 1 year ago, REVO has less shares outstanding
REVO has a better debt/assets ratio than last year.
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

There is no outstanding debt for REVO. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.36
Altman-Z N/A
ROIC/WACC0.48
WACC8.13%
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

REVO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 73.33%, which is quite impressive.
Looking at the last year, REVO shows a very strong growth in Revenue. The Revenue has grown by 34.37%.
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

Based on estimates for the next years, REVO will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.67% on average per year.
REVO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.71% yearly.
EPS Next Y32.33%
EPS Next 2Y25.26%
EPS Next 3Y22.33%
EPS Next 5Y15.67%
Revenue Next Year13.21%
Revenue Next 2Y13.82%
Revenue Next 3Y16.71%
Revenue Next 5YN/A

3.3 Evolution

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 23.64 indicates a rather expensive valuation of REVO.
Based on the Price/Earnings ratio, REVO is valued more expensive than 80.00% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.92. REVO is around the same levels.
A Price/Forward Earnings ratio of 12.25 indicates a correct valuation of REVO.
65.00% of the companies in the same industry are cheaper than REVO, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of REVO to the average of the S&P500 Index (21.49), we can say REVO is valued slightly cheaper.
Industry RankSector Rank
PE 23.64
Fwd PE 12.25
REVO.MI Price Earnings VS Forward Price EarningsREVO.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

REVO's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 10.77
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

REVO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
REVO's earnings are expected to grow with 22.33% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.73
PEG (5Y)N/A
EPS Next 2Y25.26%
EPS Next 3Y22.33%

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2

5. Dividend

5.1 Amount

REVO has a Yearly Dividend Yield of 1.42%.
With a Dividend Yield of 1.42, REVO pays less dividend than the industry average, which is at 4.52. 90.00% of the companies listed in the same industry pay a better dividend than REVO!
Compared to an average S&P500 Dividend Yield of 2.43, REVO's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.42%

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 2Y25.26%
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 (6/24/2025, 7:00:00 PM)

15.6

+0.2 (+1.3%)

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 Cap410.59M
Analysts86
Price Target17.7 (13.46%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.42%
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)22.61%
PT rev (3m)41.34%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-9.04%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.87%
Valuation
Industry RankSector Rank
PE 23.64
Fwd PE 12.25
P/S 2.17
P/FCF 10.77
P/OCF 9.4
P/B 1.68
P/tB 2.75
EV/EBITDA N/A
EPS(TTM)0.66
EY4.23%
EPS(NY)1.27
Fwd EY8.16%
FCF(TTM)1.45
FCFY9.28%
OCF(TTM)1.66
OCFY10.64%
SpS7.2
BVpS9.29
TBVpS5.67
PEG (NY)0.73
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
WACC8.13%
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 Y32.33%
EPS Next 2Y25.26%
EPS Next 3Y22.33%
EPS Next 5Y15.67%
Revenue 1Y (TTM)34.37%
Revenue growth 3Y246.88%
Revenue growth 5YN/A
Sales Q2Q%28.94%
Revenue Next Year13.21%
Revenue Next 2Y13.82%
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