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REVO INSURANCE SPA (REVO.MI) Stock Fundamental Analysis

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

15.7  -0.02 (-0.13%)

Fundamental Rating

5

REVO gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 38 industry peers in the Insurance industry. REVO has an average financial health and profitability rating. REVO is not priced too expensively while it is growing strongly. Keep and eye on this one!


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

With an excellent Return On Assets value of 3.59%, REVO belongs to the best of the industry, outperforming 89.47% of the companies in the same industry.
With a Return On Equity value of 7.60%, REVO is not doing good in the industry: 73.68% of the companies in the same industry are doing better.
The Return On Invested Capital of REVO (3.88%) is better than 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 2.18%.
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

Looking at the Profit Margin, with a value of 9.80%, REVO is in line with its industry, outperforming 57.89% of the companies in the same industry.
REVO has a Operating Margin of 12.38%. This is comparable to the rest of the industry: REVO outperforms 57.89% 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.
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%
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.
The Revenue has grown by 34.37% 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 246.88% on average per year.
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

REVO is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.67% yearly.
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 5Y15.67%
Revenue Next Year17.29%
Revenue Next 2Y15.64%
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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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 23.79 indicates a rather expensive valuation of REVO.
Compared to the rest of the industry, the Price/Earnings ratio of REVO indicates a rather expensive valuation: REVO more expensive than 84.21% of the companies listed in the same industry.
REVO's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.48.
REVO is valuated correctly with a Price/Forward Earnings ratio of 12.33.
Compared to the rest of the industry, the Price/Forward Earnings ratio of REVO indicates a slightly more expensive valuation: REVO is more expensive than 65.79% of the companies listed in the same industry.
REVO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.04.
Industry RankSector Rank
PE 23.79
Fwd PE 12.33
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

The rest of the industry has a similar Price/Free Cash Flow ratio as REVO.
Industry RankSector Rank
P/FCF 10.84
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)0.74
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 1.42%, REVO has a reasonable but not impressive dividend return.
With a Dividend Yield of 1.42, REVO pays less dividend than the industry average, which is at 4.36. 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 2.40, 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 (8/8/2025, 7:00:00 PM)

15.7

-0.02 (-0.13%)

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 Cap413.22M
Analysts86
Price Target18.67 (18.92%)
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)5.48%
PT rev (3m)29.33%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)3.61%
Revenue NY rev (3m)3.61%
Valuation
Industry RankSector Rank
PE 23.79
Fwd PE 12.33
P/S 2.18
P/FCF 10.84
P/OCF 9.46
P/B 1.69
P/tB 2.77
EV/EBITDA N/A
EPS(TTM)0.66
EY4.2%
EPS(NY)1.27
Fwd EY8.11%
FCF(TTM)1.45
FCFY9.22%
OCF(TTM)1.66
OCFY10.57%
SpS7.2
BVpS9.29
TBVpS5.67
PEG (NY)0.74
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%
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 Year17.29%
Revenue Next 2Y15.64%
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