REVO INSURANCE SPA (REVO.MI) Stock Fundamental Analysis

BIT:REVO

24.9 EUR
+0.3 (+1.22%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Overall REVO gets a fundamental rating of 4 out of 10. We evaluated REVO against 47 industry peers in the Insurance industry. While REVO seems to be doing ok healthwise, there are quite some concerns on its profitability. REVO shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year REVO was profitable.
  • REVO had a positive operating cash flow in the past year.
  • In multiple years REVO reported negative net income over the last 5 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

  • The Return On Assets of REVO (3.65%) is better than 77.78% of its industry peers.
  • REVO has a worse Return On Equity (8.10%) than 80.00% of its industry peers.
  • With a decent Return On Invested Capital value of 4.11%, REVO is doing good in the industry, outperforming 80.00% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for REVO is in line with the industry average of 3.29%.
  • The 3 year average ROIC (2.56%) for REVO is below the current ROIC(4.11%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.65%
ROE 8.1%
ROIC 4.11%
ROA(3y)2.6%
ROA(5y)N/A
ROE(3y)5.05%
ROE(5y)N/A
ROIC(3y)2.56%
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's Profit Margin of 9.51% is in line compared to the rest of the industry. REVO outperforms 48.89% of its industry peers.
  • REVO has a Operating Margin of 12.71%. This is comparable to the rest of the industry: REVO outperforms 55.56% of its industry peers.
Industry RankSector Rank
OM 12.71%
PM (TTM) 9.51%
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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), REVO is destroying value.
  • Compared to 1 year ago, REVO has less shares outstanding
  • Compared to 1 year ago, REVO has an improved debt to assets ratio.
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 0.37
Altman-Z N/A
ROIC/WACC0.51
WACC8.11%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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 24.79%, which is quite impressive.
  • The Revenue has grown by 30.17% in the past year. This is a very strong growth!
  • REVO shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 246.84% yearly.
EPS 1Y (TTM)24.79%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-2.01%
Revenue 1Y (TTM)30.17%
Revenue growth 3Y246.84%
Revenue growth 5YN/A
Sales Q2Q%31.38%

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 17.48% on average per year.
  • Based on estimates for the next years, REVO will show a quite strong growth in Revenue. The Revenue will grow by 19.08% on average per year.
EPS Next Y8.92%
EPS Next 2Y17.28%
EPS Next 3Y17.36%
EPS Next 5Y17.48%
Revenue Next Year30.22%
Revenue Next 2Y22.52%
Revenue Next 3Y19.08%
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 500M
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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1

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 38.31 indicates a quite expensive valuation of REVO.
  • Based on the Price/Earnings ratio, REVO is valued more expensive than 88.89% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.68, REVO is valued a bit more expensive.
  • The Price/Forward Earnings ratio is 18.81, which indicates a rather expensive current valuation of REVO.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of REVO indicates a rather expensive valuation: REVO more expensive than 93.33% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, REVO is valued a bit cheaper.
Industry RankSector Rank
PE 38.31
Fwd PE 18.81
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

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of REVO indicates a slightly more expensive valuation: REVO is more expensive than 68.89% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 19.82
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 17.36% in the coming years.
PEG (NY)4.29
PEG (5Y)N/A
EPS Next 2Y17.28%
EPS Next 3Y17.36%

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

2

5. Dividend

5.1 Amount

  • REVO has a yearly dividend return of 0.89%, which is pretty low.
  • Compared to an average industry Dividend Yield of 4.25, REVO's dividend is way lower than its industry peers. On top of this 91.11% of the companies listed in the same industry pay a better dividend than REVO!
  • With a Dividend Yield of 0.89, REVO pays less dividend than the S&P500 average, which is at 1.84.
Industry RankSector Rank
Dividend Yield 0.89%

5.2 History

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

5.3 Sustainability

  • 27.57% of the earnings are spent on dividend by REVO. This is a low number and sustainable payout ratio.
DP27.57%
EPS Next 2Y17.28%
EPS Next 3Y17.36%
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 (2/13/2026, 7:00:00 PM)

24.9

+0.3 (+1.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners16.61%
Inst Owner ChangeN/A
Ins Owners6.04%
Ins Owner ChangeN/A
Market Cap729.82M
Revenue(TTM)215.94M
Net Income(TTM)20.53M
Analysts84
Price Target20.48 (-17.75%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.89%
Yearly Dividend0.08
Dividend Growth(5Y)N/A
DP27.57%
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)6.92%
PT rev (3m)7.64%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.24%
EPS NY rev (3m)0.24%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.34%
Valuation
Industry RankSector Rank
PE 38.31
Fwd PE 18.81
P/S 3.38
P/FCF 19.82
P/OCF 16.24
P/B 2.88
P/tB 4.73
EV/EBITDA N/A
EPS(TTM)0.65
EY2.61%
EPS(NY)1.32
Fwd EY5.32%
FCF(TTM)1.26
FCFY5.04%
OCF(TTM)1.53
OCFY6.16%
SpS7.37
BVpS8.65
TBVpS5.27
PEG (NY)4.29
PEG (5Y)N/A
Graham Number11.25
Profitability
Industry RankSector Rank
ROA 3.65%
ROE 8.1%
ROCE 5.11%
ROIC 4.11%
ROICexc 4.15%
ROICexgc 7.06%
OM 12.71%
PM (TTM) 9.51%
GM N/A
FCFM 17.05%
ROA(3y)2.6%
ROA(5y)N/A
ROE(3y)5.05%
ROE(5y)N/A
ROIC(3y)2.56%
ROIC(5y)N/A
ROICexc(3y)2.59%
ROICexc(5y)N/A
ROICexgc(3y)4.87%
ROICexgc(5y)N/A
ROCE(3y)3.19%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc 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-Score7
Asset Turnover0.38
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.37
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 3.76%
Interest Coverage 250
Cash Conversion N/A
Profit Quality 179.31%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8.11%
ROIC/WACC0.51
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)9.85%
Cap/Sales(5y)N/A
Profit Quality(3y)310.45%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)24.79%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-2.01%
EPS Next Y8.92%
EPS Next 2Y17.28%
EPS Next 3Y17.36%
EPS Next 5Y17.48%
Revenue 1Y (TTM)30.17%
Revenue growth 3Y246.84%
Revenue growth 5YN/A
Sales Q2Q%31.38%
Revenue Next Year30.22%
Revenue Next 2Y22.52%
Revenue Next 3Y19.08%
Revenue Next 5YN/A
EBIT growth 1Y91.37%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1008.76%
EBIT Next 3Y142.98%
EBIT Next 5YN/A
FCF growth 1Y1456.58%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y162.68%
OCF growth 3YN/A
OCF growth 5YN/A

REVO INSURANCE SPA / REVO.MI FAQ

Can you provide the ChartMill fundamental rating for REVO INSURANCE SPA?

ChartMill assigns a fundamental rating of 4 / 10 to REVO.MI.


What is the valuation status for REVO stock?

ChartMill assigns a valuation rating of 1 / 10 to REVO INSURANCE SPA (REVO.MI). This can be considered as Overvalued.


What is the profitability of REVO stock?

REVO INSURANCE SPA (REVO.MI) has a profitability rating of 3 / 10.


What is the financial health of REVO INSURANCE SPA (REVO.MI) stock?

The financial health rating of REVO INSURANCE SPA (REVO.MI) is 4 / 10.


Can you provide the dividend sustainability for REVO stock?

The dividend rating of REVO INSURANCE SPA (REVO.MI) is 2 / 10 and the dividend payout ratio is 27.57%.