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ZEST (ZEST.MI) Stock Fundamental Analysis

BIT:ZEST - Euronext Milan - IT0005013013 - Common Stock - Currency: EUR

0.17  0 (-0.58%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to ZEST. ZEST was compared to 111 industry peers in the Capital Markets industry. While ZEST is still in line with the averages on profitability rating, there are concerns on its financial health. ZEST is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

ZEST had positive earnings in the past year.
ZEST had a negative operating cash flow in the past year.
In multiple years ZEST reported negative net income over the last 5 years.
ZEST had negative operating cash flow in 4 of the past 5 years.
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 has a better Return On Assets (11.72%) than 93.75% of its industry peers.
With a decent Return On Equity value of 15.40%, ZEST is doing good in the industry, outperforming 77.68% of the companies in the same industry.
Industry RankSector Rank
ROA 11.72%
ROE 15.4%
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 has a Profit Margin of 92.08%. This is amongst the best in the industry. ZEST outperforms 96.43% of its industry peers.
In the last couple of years the Profit Margin of ZEST has grown nicely.
ZEST's Gross Margin of 42.58% is fine compared to the rest of the industry. ZEST outperforms 61.61% of its industry peers.
ZEST's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM N/A
PM (TTM) 92.08%
GM 42.58%
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

ZEST has an Altman-Z score of 1.01. This is a bad value and indicates that ZEST is not financially healthy and even has some risk of bankruptcy.
ZEST's Altman-Z score of 1.01 is in line compared to the rest of the industry. ZEST outperforms 50.89% 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 79.46% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF N/A
Altman-Z 1.01
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

A Current Ratio of 0.70 indicates that ZEST may have some problems paying its short term obligations.
ZEST's Current ratio of 0.70 is in line compared to the rest of the industry. ZEST outperforms 50.89% of its industry peers.
A Quick Ratio of 0.70 indicates that ZEST may have some problems paying its short term obligations.
ZEST's Quick ratio of 0.70 is in line compared to the rest of the industry. ZEST outperforms 51.79% of its industry peers.
Industry RankSector Rank
Current Ratio 0.7
Quick Ratio 0.7
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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5

3. Growth

3.1 Past

ZEST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 213.72%, which is quite impressive.
The Earnings Per Share has been growing by 38.26% on average over the past years. This is a very strong growth
ZEST shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.41%.
Measured over the past years, ZEST shows a quite strong growth in Revenue. The Revenue has been growing by 14.68% on average per year.
EPS 1Y (TTM)213.72%
EPS 3Y16.84%
EPS 5Y38.26%
EPS Q2Q%98.05%
Revenue 1Y (TTM)-16.41%
Revenue growth 3Y16.57%
Revenue growth 5Y14.68%
Sales Q2Q%-25.22%

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 -57.79% on average per year.
Based on estimates for the next years, ZEST will show a quite strong growth in Revenue. The Revenue will grow by 11.81% on average per year.
EPS Next Y-116.54%
EPS Next 2Y-43.01%
EPS Next 3Y-57.79%
EPS Next 5YN/A
Revenue Next Year18.28%
Revenue Next 2Y13.59%
Revenue Next 3Y11.81%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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 2027 0 0.02 0.04 0.06

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 2.43, the valuation of ZEST can be described as very cheap.
ZEST's Price/Earnings ratio is rather cheap when compared to the industry. ZEST is cheaper than 100.00% of the companies in the same industry.
ZEST is valuated cheaply when we compare the Price/Earnings ratio to 26.35, which is the current average of the S&P500 Index.
The Forward Price/Earnings Ratio is negative for ZEST. No positive earnings are expected for the next year.
Industry RankSector Rank
PE 2.43
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 10 -10 20 30

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 0.1 0.2 0.3

4.3 Compensation for Growth

A cheap valuation may be justified as ZEST's earnings are expected to decrease with -57.79% in the coming years.
PEG (NY)N/A
PEG (5Y)0.06
EPS Next 2Y-43.01%
EPS Next 3Y-57.79%

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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 (6/20/2025, 7:00:00 PM)

0.17

0 (-0.58%)

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 Cap27.32M
Analysts85.71
Price Target0.52 (205.88%)
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)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-127.5%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.51%
Valuation
Industry RankSector Rank
PE 2.43
Fwd PE N/A
P/S 3.27
P/FCF N/A
P/OCF N/A
P/B 0.55
P/tB 0.56
EV/EBITDA N/A
EPS(TTM)0.07
EY41.18%
EPS(NY)-0.01
Fwd EYN/A
FCF(TTM)-0.03
FCFYN/A
OCF(TTM)-0.03
OCFYN/A
SpS0.05
BVpS0.31
TBVpS0.3
PEG (NY)N/A
PEG (5Y)0.06
Profitability
Industry RankSector Rank
ROA 11.72%
ROE 15.4%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 92.08%
GM 42.58%
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
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 3Y41.09%
PM growth 5Y50.3%
GM growth 3Y-18.5%
GM growth 5Y-9.45%
F-Score4
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 5.71%
Cap/Sales 0.63%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.7
Quick Ratio 0.7
Altman-Z 1.01
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.27%
Cap/Sales(5y)1.69%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)213.72%
EPS 3Y16.84%
EPS 5Y38.26%
EPS Q2Q%98.05%
EPS Next Y-116.54%
EPS Next 2Y-43.01%
EPS Next 3Y-57.79%
EPS Next 5YN/A
Revenue 1Y (TTM)-16.41%
Revenue growth 3Y16.57%
Revenue growth 5Y14.68%
Sales Q2Q%-25.22%
Revenue Next Year18.28%
Revenue Next 2Y13.59%
Revenue Next 3Y11.81%
Revenue Next 5YN/A
EBIT growth 1Y-119.1%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-100%
EBIT Next 3Y-52.78%
EBIT Next 5YN/A
FCF growth 1Y-28033.7%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-4636.69%
OCF growth 3YN/A
OCF growth 5YN/A