REVO INSURANCE SPA (REVO.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:REVO - Common Stock
17.46 EUR
+0.09 (+0.52%)
REVO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 47 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 shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
REVO had positive earnings in the past year.
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.
1.2 Ratios
With an excellent Return On Assets value of 3.65%, REVO belongs to the best of the industry, outperforming 91.49% of the companies in the same industry.
The Return On Equity of REVO (8.10%) is worse than 76.60% of its industry peers.
With an excellent Return On Invested Capital value of 4.11%, REVO belongs to the best of the industry, outperforming 91.49% of the companies in the same industry.
REVO had an Average Return On Invested Capital over the past 3 years of 2.56%. This is in line with the industry average of 2.11%.
The 3 year average ROIC (2.56%) for REVO is below the current ROIC(4.11%), indicating increased profibility in the last year.
| Industry Rank | Sector 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
1.3 Margins
REVO has a Profit Margin of 9.51%. This is comparable to the rest of the industry: REVO outperforms 59.57% of its industry peers.
REVO has a better Operating Margin (12.71%) than 61.70% of its industry peers.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), REVO is destroying value.
REVO has less shares outstanding than it did 1 year ago.
REVO has a better debt/assets ratio than last year.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.37 | ||
| Altman-Z | N/A |
ROIC/WACC0.52
WACC7.97%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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!
Measured over the past years, REVO shows a very strong growth in Revenue. The Revenue has been growing by 246.84% on average per year.
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
The Earnings Per Share is expected to grow by 17.48% on average over the next years. This is quite good.
Based on estimates for the next years, REVO will show a quite strong growth in Revenue. The Revenue will grow by 19.15% on average per year.
EPS Next Y8.66%
EPS Next 2Y16.94%
EPS Next 3Y17.04%
EPS Next 5Y17.48%
Revenue Next Year30.66%
Revenue Next 2Y22.62%
Revenue Next 3Y19.15%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 26.86, REVO can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of REVO indicates a rather expensive valuation: REVO more expensive than 80.85% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.31, REVO is valued at the same level.
REVO is valuated correctly with a Price/Forward Earnings ratio of 13.27.
Based on the Price/Forward Earnings ratio, REVO is valued a bit more expensive than 63.83% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.59, REVO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.86 | ||
| Fwd PE | 13.27 |
4.2 Price Multiples
REVO's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.9 | ||
| EV/EBITDA | N/A |
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 17.04% in the coming years.
PEG (NY)3.1
PEG (5Y)N/A
EPS Next 2Y16.94%
EPS Next 3Y17.04%
5. Dividend
5.1 Amount
REVO has a Yearly Dividend Yield of 1.26%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.53, REVO's dividend is way lower than its industry peers. On top of this 91.49% of the companies listed in the same industry pay a better dividend than REVO!
Compared to an average S&P500 Dividend Yield of 2.40, REVO's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.26% |
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 2Y16.94%
EPS Next 3Y17.04%
BIT:REVO (11/28/2025, 7:00:00 PM)
17.46
+0.09 (+0.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners13.02%
Inst Owner ChangeN/A
Ins Owners6.04%
Ins Owner ChangeN/A
Market Cap511.75M
Revenue(TTM)215.94M
Net Income(TTM)20.53M
Analysts84
Price Target19.15 (9.68%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.26% |
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)0.67%
PT rev (3m)2.32%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
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)11.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.86 | ||
| Fwd PE | 13.27 | ||
| P/S | 2.37 | ||
| P/FCF | 13.9 | ||
| P/OCF | 11.39 | ||
| P/B | 2.02 | ||
| P/tB | 3.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.65
EY3.72%
EPS(NY)1.32
Fwd EY7.54%
FCF(TTM)1.26
FCFY7.19%
OCF(TTM)1.53
OCFY8.78%
SpS7.37
BVpS8.65
TBVpS5.27
PEG (NY)3.1
PEG (5Y)N/A
Graham Number11.25
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.97%
ROIC/WACC0.52
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 Y8.66%
EPS Next 2Y16.94%
EPS Next 3Y17.04%
EPS Next 5Y17.48%
Revenue 1Y (TTM)30.17%
Revenue growth 3Y246.84%
Revenue growth 5YN/A
Sales Q2Q%31.38%
Revenue Next Year30.66%
Revenue Next 2Y22.62%
Revenue Next 3Y19.15%
Revenue Next 5YN/A
EBIT growth 1Y91.37%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1019.78%
EBIT Next 3Y143.38%
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.
Can you provide the valuation status for REVO INSURANCE SPA?
ChartMill assigns a valuation rating of 2 / 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 4 / 10.
What is the earnings growth outlook for REVO INSURANCE SPA?
The Earnings per Share (EPS) of REVO INSURANCE SPA (REVO.MI) is expected to grow by 8.66% in the next year.
Is the dividend of REVO INSURANCE SPA sustainable?
The dividend rating of REVO INSURANCE SPA (REVO.MI) is 2 / 10 and the dividend payout ratio is 27.57%.