REVO INSURANCE SPA (REVO.MI) Stock Fundamental Analysis

Europe • Euronext Milan • BIT:REVO

24.7 EUR
+0.3 (+1.23%)
Last: Feb 11, 2026, 04:25 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Taking everything into account, REVO scores 4 out of 10 in our fundamental rating. REVO was compared to 43 industry peers in the Insurance industry. REVO has an average financial health and profitability rating. REVO shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year REVO was profitable.
  • 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 (3.65%) than 79.07% of its industry peers.
  • REVO has a Return On Equity of 8.10%. This is amonst the worse of the industry: REVO underperforms 81.40% of its industry peers.
  • REVO's Return On Invested Capital of 4.11% is amongst the best of the industry. REVO outperforms 83.72% of its industry peers.
  • 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 2.92%.
  • 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 has a Profit Margin (9.51%) which is comparable to the rest of the industry.
  • REVO has a Operating Margin of 12.71%. This is comparable to the rest of the industry: REVO outperforms 58.14% 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

  • REVO has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • REVO has less shares outstanding than it did 1 year ago.
  • The debt/assets ratio for REVO has been reduced compared to a year ago.
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

  • REVO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

  • The Earnings Per Share has grown by an impressive 24.79% over the past year.
  • Looking at the last year, REVO shows a very strong growth in Revenue. The Revenue has grown by 30.17%.
  • 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.
  • The Revenue is expected to grow by 19.08% on average over the next years. This is quite good.
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

  • 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 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

  • With a Price/Earnings ratio of 38.00, 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 88.37% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of REVO to the average of the S&P500 Index (28.03), we can say REVO is valued slightly more expensively.
  • Based on the Price/Forward Earnings ratio of 18.66, the valuation of REVO can be described as rather expensive.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of REVO indicates a rather expensive valuation: REVO more expensive than 93.02% of the companies listed in the same industry.
  • REVO's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.97.
Industry RankSector Rank
PE 38
Fwd PE 18.66
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

  • Based on the Price/Free Cash Flow ratio, REVO is valued a bit more expensive than 72.09% of the companies in the same industry.
Industry RankSector Rank
P/FCF 19.67
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.
  • REVO's earnings are expected to grow with 17.36% in the coming years. This may justify a more expensive valuation.
PEG (NY)4.26
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 0.91%, which is pretty low.
  • With a Dividend Yield of 0.91, REVO pays less dividend than the industry average, which is at 4.23. 90.70% of the companies listed in the same industry pay a better dividend than REVO!
  • Compared to an average S&P500 Dividend Yield of 1.80, REVO's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.91%

5.2 History

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

5.3 Sustainability

  • REVO pays out 27.57% of its income as dividend. This is a 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 (2/11/2026, 4:25:42 PM)

24.7

+0.3 (+1.23%)

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 Cap723.96M
Revenue(TTM)215.94M
Net Income(TTM)20.53M
Analysts84
Price Target20.48 (-17.09%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.91%
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
Fwd PE 18.66
P/S 3.35
P/FCF 19.67
P/OCF 16.11
P/B 2.86
P/tB 4.69
EV/EBITDA N/A
EPS(TTM)0.65
EY2.63%
EPS(NY)1.32
Fwd EY5.36%
FCF(TTM)1.26
FCFY5.08%
OCF(TTM)1.53
OCFY6.21%
SpS7.37
BVpS8.65
TBVpS5.27
PEG (NY)4.26
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 4 / 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%.