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REVO INSURANCE SPA (REVO.MI) Stock Fundamental Analysis

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

16.52  +0.04 (+0.24%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to REVO. REVO was compared to 38 industry peers in the Insurance industry. REVO has only an average score on both its financial health and profitability. 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

REVO had positive earnings in the past year.
In the past year REVO had a positive cash flow from operations.
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

REVO has a better Return On Assets (3.59%) than 89.47% 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 71.05% of its industry peers.
REVO's Return On Invested Capital of 3.88% is amongst the best of the industry. REVO outperforms 92.11% 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 2.05%.
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

REVO has a better Profit Margin (9.80%) than 60.53% of its industry peers.
The Operating Margin of REVO (12.38%) is better than 60.53% of its industry peers.
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

REVO has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for REVO has been reduced compared to 1 year ago.
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 0.36
Altman-Z N/A
ROIC/WACC0.46
WACC8.38%
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.
REVO shows a strong growth in Revenue. In the last year, the Revenue has grown by 34.37%.
REVO shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 246.88% yearly.
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 very strong growth in Earnings Per Share. The EPS will grow by 22.33% 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 16.71% on average per year.
EPS Next Y32.33%
EPS Next 2Y25.26%
EPS Next 3Y22.33%
EPS Next 5YN/A
Revenue Next Year13.21%
Revenue Next 2Y13.82%
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 0.5 1 1.5

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 25.03, the valuation of REVO can be described as expensive.
REVO's Price/Earnings ratio is a bit more expensive when compared to the industry. REVO is more expensive than 76.32% of the companies in the same industry.
REVO's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.30.
The Price/Forward Earnings ratio is 12.97, which indicates a correct valuation of REVO.
Based on the Price/Forward Earnings ratio, REVO is valued a bit more expensive than 65.79% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.06, REVO is valued a bit cheaper.
Industry RankSector Rank
PE 25.03
Fwd PE 12.97
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

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 11.41
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)0.77
PEG (5Y)N/A
EPS Next 2Y25.26%
EPS Next 3Y22.33%

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.38%, REVO has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.54, REVO's dividend is way lower than its industry peers. On top of this 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 2.38, REVO's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.38%

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 (6/5/2025, 7:00:00 PM)

16.52

+0.04 (+0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners10.97%
Inst Owner ChangeN/A
Ins Owners6.38%
Ins Owner ChangeN/A
Market Cap434.81M
Analysts86
Price Target14.43 (-12.65%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.38%
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%
PT rev (3m)15.27%
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)-4.88%
Valuation
Industry RankSector Rank
PE 25.03
Fwd PE 12.97
P/S 2.29
P/FCF 11.41
P/OCF 9.95
P/B 1.78
P/tB 2.91
EV/EBITDA N/A
EPS(TTM)0.66
EY4%
EPS(NY)1.27
Fwd EY7.71%
FCF(TTM)1.45
FCFY8.76%
OCF(TTM)1.66
OCFY10.05%
SpS7.2
BVpS9.29
TBVpS5.67
PEG (NY)0.77
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
WACC8.38%
ROIC/WACC0.46
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 5YN/A
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