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ZEST (ZEST.MI) Stock Fundamental Analysis

Europe - BIT:ZEST - IT0005013013 - Common Stock

0.1295 EUR
+0 (+2.78%)
Last: 11/7/2025, 7:00:00 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to ZEST. ZEST was compared to 114 industry peers in the Capital Markets industry. Both the profitability and financial health of ZEST have multiple concerns. ZEST is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

ZEST had negative earnings in the past year.
In the past year ZEST has reported a negative cash flow from operations.
In multiple years ZEST reported negative net income over the last 5 years.
In the past 5 years ZEST reported 4 times negative operating cash flow.
ZEST.MI Yearly Net Income VS EBIT VS OCF VS FCFZEST.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M -2M 4M -4M 6M

1.2 Ratios

ZEST's Return On Assets of -0.86% is on the low side compared to the rest of the industry. ZEST is outperformed by 64.04% of its industry peers.
Looking at the Return On Equity, with a value of -1.17%, ZEST is doing worse than 61.40% of the companies in the same industry.
Industry RankSector Rank
ROA -0.86%
ROE -1.17%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ZEST.MI Yearly ROA, ROE, ROICZEST.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10 -15

1.3 Margins

ZEST's Profit Margin has improved in the last couple of years.
The Gross Margin of ZEST (60.68%) is better than 71.05% of its industry peers.
ZEST's Gross Margin has declined in the last couple of years.
The Profit Margin and Operating Margin are not available for ZEST so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 60.68%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y41.09%
PM growth 5Y50.3%
GM growth 3Y-18.5%
GM growth 5Y-9.45%
ZEST.MI Yearly Profit, Operating, Gross MarginsZEST.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100

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2

2. Health

2.1 Basic Checks

There is no outstanding debt for ZEST. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
ZEST.MI Yearly Shares OutstandingZEST.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M 40M 50M
ZEST.MI Yearly Total Debt VS Total AssetsZEST.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M

2.2 Solvency

Based on the Altman-Z score of 0.70, we must say that ZEST is in the distress zone and has some risk of bankruptcy.
ZEST has a Altman-Z score of 0.70. This is comparable to the rest of the industry: ZEST outperforms 49.12% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that ZEST is not too dependend on debt financing.
The Debt to Equity ratio of ZEST (0.07) is better than 79.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF N/A
Altman-Z 0.7
ROIC/WACCN/A
WACCN/A
ZEST.MI Yearly LT Debt VS Equity VS FCFZEST.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M

2.3 Liquidity

ZEST has a Current Ratio of 0.61. This is a bad value and indicates that ZEST is not financially healthy enough and could expect problems in meeting its short term obligations.
ZEST has a Current ratio (0.61) which is comparable to the rest of the industry.
A Quick Ratio of 0.61 indicates that ZEST may have some problems paying its short term obligations.
With a Quick ratio value of 0.61, ZEST perfoms like the industry average, outperforming 48.25% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.61
Quick Ratio 0.61
ZEST.MI Yearly Current Assets VS Current LiabilitesZEST.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 1M 2M 3M

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4

3. Growth

3.1 Past

The earnings per share for ZEST have decreased strongly by -120.00% in the last year.
Measured over the past years, ZEST shows a very strong growth in Earnings Per Share. The EPS has been growing by 38.26% on average per year.
The Revenue has been growing slightly by 4.92% in the past year.
ZEST shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.68% yearly.
EPS 1Y (TTM)-120%
EPS 3Y16.84%
EPS 5Y38.26%
EPS Q2Q%-102.9%
Revenue 1Y (TTM)4.92%
Revenue growth 3Y16.57%
Revenue growth 5Y14.68%
Sales Q2Q%57.25%

3.2 Future

Based on estimates for the next years, ZEST will show a very negative growth in Earnings Per Share. The EPS will decrease by -25.99% on average per year.
The Revenue is expected to grow by 8.87% on average over the next years. This is quite good.
EPS Next Y-110.53%
EPS Next 2Y-44.58%
EPS Next 3Y-25.99%
EPS Next 5YN/A
Revenue Next Year-3.23%
Revenue Next 2Y3.7%
Revenue Next 3Y8.87%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
ZEST.MI Yearly Revenue VS EstimatesZEST.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2M 4M 6M 8M 10M
ZEST.MI Yearly EPS VS EstimatesZEST.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 0 0.02 0.04 0.06

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0

4. Valuation

4.1 Price/Earnings Ratio

The Forward Price/Earnings Ratio is negative for ZEST. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
ZEST.MI Price Earnings VS Forward Price EarningsZEST.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ZEST.MI Per share dataZEST.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.05 0.1 0.15 0.2 0.25

4.3 Compensation for Growth

A cheap valuation may be justified as ZEST's earnings are expected to decrease with -25.99% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-44.58%
EPS Next 3Y-25.99%

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0

5. Dividend

5.1 Amount

ZEST does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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ZEST

BIT:ZEST (11/7/2025, 7:00:00 PM)

0.1295

+0 (+2.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0.46%
Inst Owner ChangeN/A
Ins Owners8.56%
Ins Owner ChangeN/A
Market Cap20.81M
Revenue(TTM)10.42M
Net Income(TTM)-507.00K
Analysts85.71
Price Target0.48 (270.66%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
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)-7.84%
PT rev (3m)-7.84%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)36.36%
EPS NY rev (3m)36.36%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-18.18%
Revenue NY rev (3m)-18.18%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 2
P/FCF N/A
P/OCF N/A
P/B 0.48
P/tB 0.49
EV/EBITDA N/A
EPS(TTM)0
EYN/A
EPS(NY)-0.01
Fwd EYN/A
FCF(TTM)-0.02
FCFYN/A
OCF(TTM)-0.02
OCFYN/A
SpS0.06
BVpS0.27
TBVpS0.26
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.86%
ROE -1.17%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 60.68%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
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 3Y41.09%
PM growth 5Y50.3%
GM growth 3Y-18.5%
GM growth 5Y-9.45%
F-Score3
Asset Turnover0.18
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 5.76%
Cap/Sales 0.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.61
Quick Ratio 0.61
Altman-Z 0.7
F-Score3
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)4.02%
Cap/Sales(5y)3.34%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-120%
EPS 3Y16.84%
EPS 5Y38.26%
EPS Q2Q%-102.9%
EPS Next Y-110.53%
EPS Next 2Y-44.58%
EPS Next 3Y-25.99%
EPS Next 5YN/A
Revenue 1Y (TTM)4.92%
Revenue growth 3Y16.57%
Revenue growth 5Y14.68%
Sales Q2Q%57.25%
Revenue Next Year-3.23%
Revenue Next 2Y3.7%
Revenue Next 3Y8.87%
Revenue Next 5YN/A
EBIT growth 1Y9.81%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-100%
EBIT Next 3Y-52.78%
EBIT Next 5YN/A
FCF growth 1Y-778.09%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-1151.89%
OCF growth 3YN/A
OCF growth 5YN/A

ZEST / ZEST.MI FAQ

What is the ChartMill fundamental rating of ZEST (ZEST.MI) stock?

ChartMill assigns a fundamental rating of 2 / 10 to ZEST.MI.


Can you provide the valuation status for ZEST?

ChartMill assigns a valuation rating of 0 / 10 to ZEST (ZEST.MI). This can be considered as Overvalued.


How profitable is ZEST (ZEST.MI) stock?

ZEST (ZEST.MI) has a profitability rating of 1 / 10.


Can you provide the financial health for ZEST stock?

The financial health rating of ZEST (ZEST.MI) is 2 / 10.


Can you provide the expected EPS growth for ZEST stock?

The Earnings per Share (EPS) of ZEST (ZEST.MI) is expected to decline by -110.53% in the next year.