View ValuationGeneralfinance 将来の成長Future 基準チェック /46Generalfinance利益と収益がそれぞれ年間13.8%と12.3%増加すると予測されています。EPS は年間 増加すると予想されています。自己資本利益率は 3 年後に29.1% 15.6%なると予測されています。主要情報13.8%収益成長率15.56%EPS成長率Diversified Financial 収益成長9.4%収益成長率12.3%将来の株主資本利益率29.15%アナリストカバレッジLow最終更新日13 May 2026今後の成長に関する最新情報Major Estimate Revision • Sep 04Consensus EPS estimates increase by 10%The consensus outlook for fiscal year 2025 has been updated. 2025 EPS estimate increased from €1.89 to €2.09. Revenue forecast unchanged at €60.9m. Net income forecast to grow 26% next year vs 15% growth forecast for Diversified Financial industry in Italy. Consensus price target up from €17.85 to €20.60. Share price rose 8.1% to €18.60 over the past week.Price Target Changed • Sep 03Price target increased by 13% to €19.10Up from €16.85, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of €19.00. Stock is up 70% over the past year. The company is forecast to post earnings per share of €1.99 for next year compared to €1.67 last year.Price Target Changed • Mar 03Price target increased by 13% to €15.00Up from €13.25, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of €14.80. Stock is up 49% over the past year. The company is forecast to post earnings per share of €1.66 for next year compared to €1.19 last year.Price Target Changed • Dec 30Price target increased by 9.9% to €13.90Up from €12.65, the current price target is an average from 2 analysts. New target price is 9.9% above last closing price of €12.65. Stock is up 36% over the past year. The company posted earnings per share of €1.19 last year.Price Target Changed • Feb 27Price target increased by 7.4% to €11.60Up from €10.80, the current price target is an average from 2 analysts. New target price is 12% above last closing price of €10.40. Stock is up 31% over the past year. The company is forecast to post earnings per share of €1.23 for next year compared to €0.97 last year.Price Target Changed • Jan 31Price target increased by 8.1% to €11.40Up from €10.55, the current price target is an average from 2 analysts. New target price is 20% above last closing price of €9.50. Stock is up 32% over the past year. The company is forecast to post earnings per share of €1.28 for next year compared to €0.97 last year.すべての更新を表示Recent updatesRecent Insider Transactions • May 17CEO & Executive Director recently bought €8.5m worth of stockOn the 12th of May, Massimo Gianolli bought around 292k shares on-market at roughly €29.10 per share. This trade did not impact their existing holding. This was the largest purchase by an insider in the last 3 months. This was Massimo's only on-market trade for the last 12 months.Reported Earnings • May 14First quarter 2026 earnings releasedFirst quarter 2026 results: Revenue: €14.9m (up 3.0% from 1Q 2025). Net income: €5.12m (down 3.1% from 1Q 2025). Profit margin: 34% (down from 37% in 1Q 2025). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 12% p.a. on average during the next 3 years, while revenues in the Diversified Financial industry in Italy are expected to remain flat. Over the last 3 years on average, earnings per share has increased by 34% per year but the company’s share price has increased by 53% per year, which means it is tracking significantly ahead of earnings growth.Upcoming Dividend • Apr 13Upcoming dividend of €1.36 per shareEligible shareholders must have bought the stock before 20 April 2026. Payment date: 22 April 2026. Payout ratio is a comfortable 60% but the company is paying out more than the cash it is generating. Trailing yield: 4.8%. Within top quartile of Italian dividend payers (4.6%). Lower than average of industry peers (6.5%).New Risk • Apr 12New major risk - Financial positionThe company's debt is not well covered by operating cash flow. Operating cash flow to total debt ratio: 2.5% This is considered a major risk. If the company's operating cash flows are too small relative to the size of their debt, it increases their balance sheet risk. The company has less cash from operations to cover its expenses from servicing large debt and it increases the risk of liquidity issues. It also extends the time it would take for the company to pay back the debt in full, meaning it may not be able to easily pay it all off in a distress scenario. Currently, the following risks have been identified for the company: Major Risk Debt is not well covered by operating cash flow (2.5% operating cash flow to total debt). Minor Risk Dividend is not well covered by cash flows (160% cash payout ratio).分析記事 • Feb 13Generalfinance (BIT:GF) Is Paying Out A Larger Dividend Than Last YearThe board of Generalfinance S.p.A. ( BIT:GF ) has announced that it will be increasing its dividend by 64% on the 22nd...Declared Dividend • Feb 12Dividend increased to €1.36Dividend of €1.36 is 64% higher than last year. Ex-date: 20th April 2026 Payment date: 22nd April 2026 Dividend yield will be 5.3%, which is higher than the industry average of 3.5%. Sustainability & Growth Dividend is well covered by both earnings (37% earnings payout ratio) and cash flows (29% cash payout ratio). The dividend has increased by an average of 25% per year over the past 3 years and payments have been stable during that time. EPS is expected to grow by 48% over the next 3 years, which should provide support to the dividend and adequate earnings cover.分析記事 • Feb 11Industry Analysts Just Upgraded Their Generalfinance S.p.A. (BIT:GF) Revenue Forecasts By 12%Generalfinance S.p.A. ( BIT:GF ) shareholders will have a reason to smile today, with the analysts making substantial...お知らせ • Feb 11Generalfinance S.p.A. announces Annual dividend, payable on April 22, 2026Generalfinance S.p.A. announced Annual dividend of EUR 1.3600 per share payable on April 22, 2026, ex-date on April 20, 2026 and record date on April 21, 2026.お知らせ • Jan 16Generalfinance S.p.A. announced that it has received €20 million in fundingGeneralfinance S.p.A. has announced that it has received €20 million in a round of funding on January 15, 2026. The transaction included participation from new investor Nick Mackenzie. The company has provided unsecured bonds in the transaction. The bond will be maturing in April 2028 and bearing a fixed-rate coupon of 5.5% per annum. The bonds were issued at a price equal to 100.7% of their nominal value.分析記事 • Jan 09There's No Escaping Generalfinance S.p.A.'s (BIT:GF) Muted EarningsGeneralfinance S.p.A.'s ( BIT:GF ) price-to-earnings (or "P/E") ratio of 10.4x might make it look like a buy right now...New Risk • Nov 17New major risk - Financial positionThe company's debt is not well covered by operating cash flow. Operating cash flow to total debt ratio: 7.9% This is considered a major risk. If the company's operating cash flows are too small relative to the size of their debt, it increases their balance sheet risk. The company has less cash from operations to cover its expenses from servicing large debt and it increases the risk of liquidity issues. It also extends the time it would take for the company to pay back the debt in full, meaning it may not be able to easily pay it all off in a distress scenario. This is currently the only risk that has been identified for the company.Reported Earnings • Nov 10Third quarter 2025 earnings released: EPS: €0.69 (vs €0.44 in 3Q 2024)Third quarter 2025 results: EPS: €0.69 (up from €0.44 in 3Q 2024). Revenue: €19.3m (up 49% from 3Q 2024). Net income: €8.68m (up 55% from 3Q 2024). Profit margin: 45% (up from 43% in 3Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 5.0% p.a. on average during the next 3 years, while revenues in the Diversified Financial industry in Italy are expected to remain flat. Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has increased by 40% per year, which means it is tracking significantly ahead of earnings growth.Reported Earnings • Sep 12Second quarter 2025 earnings released: EPS: €0.56 (vs €0.25 in 2Q 2024)Second quarter 2025 results: EPS: €0.56 (up from €0.25 in 2Q 2024). Revenue: €17.5m (up 76% from 2Q 2024). Net income: €7.03m (up 126% from 2Q 2024). Profit margin: 40% (up from 31% in 2Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 9.4% p.a. on average during the next 3 years, compared to a 1.6% decline forecast for the Diversified Financial industry in Italy. Over the last 3 years on average, earnings per share has increased by 26% per year but the company’s share price has increased by 41% per year, which means it is tracking significantly ahead of earnings growth.Major Estimate Revision • Sep 04Consensus EPS estimates increase by 10%The consensus outlook for fiscal year 2025 has been updated. 2025 EPS estimate increased from €1.89 to €2.09. Revenue forecast unchanged at €60.9m. Net income forecast to grow 26% next year vs 15% growth forecast for Diversified Financial industry in Italy. Consensus price target up from €17.85 to €20.60. Share price rose 8.1% to €18.60 over the past week.分析記事 • Sep 04Insufficient Growth At Generalfinance S.p.A. (BIT:GF) Hampers Share PriceWith a price-to-earnings (or "P/E") ratio of 11.2x Generalfinance S.p.A. ( BIT:GF ) may be sending bullish signals at...Price Target Changed • Sep 03Price target increased by 13% to €19.10Up from €16.85, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of €19.00. Stock is up 70% over the past year. The company is forecast to post earnings per share of €1.99 for next year compared to €1.67 last year.Reported Earnings • May 22First quarter 2025 earnings releasedFirst quarter 2025 results: Revenue: €14.5m (up 24% from 1Q 2024). Net income: €5.29m (up 8.4% from 1Q 2024). Profit margin: 37% (down from 42% in 1Q 2024). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 13% p.a. on average during the next 3 years, compared to a 3.7% decline forecast for the Diversified Financial industry in Italy.Upcoming Dividend • Apr 07Upcoming dividend of €0.83 per shareEligible shareholders must have bought the stock before 14 April 2025. Payment date: 16 April 2025. Payout ratio is a comfortable 41% and this is well supported by cash flows. Trailing yield: 3.8%. Lower than top quartile of Italian dividend payers (5.9%). Lower than average of industry peers (6.9%).分析記事 • Mar 27Market Might Still Lack Some Conviction On Generalfinance S.p.A. (BIT:GF) Even After 25% Share Price BoostDespite an already strong run, Generalfinance S.p.A. ( BIT:GF ) shares have been powering on, with a gain of 25% in the...分析記事 • Mar 07Generalfinance (BIT:GF) Is Paying Out A Larger Dividend Than Last YearGeneralfinance S.p.A.'s ( BIT:GF ) periodic dividend will be increasing on the 16th of April to €0.83, with investors...Declared Dividend • Mar 06Dividend increased to €0.83Dividend of €0.83 is 41% higher than last year. Ex-date: 14th April 2025 Payment date: 16th April 2025 Dividend yield will be 5.8%, which is higher than the industry average of 3.5%. Sustainability & Growth Dividend is well covered by both earnings (41% earnings payout ratio) and cash flows (16% cash payout ratio). The dividend has increased by an average of 17% per year over the past 2 years and payments have been stable during that time. EPS is expected to grow by 53% over the next 3 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Mar 05Generalfinance S.p.A. announces Annual dividend, payable on April 16, 2025Generalfinance S.p.A. announced Annual dividend of EUR 0.8300 per share payable on April 16, 2025, ex-date on April 14, 2025 and record date on April 15, 2025.お知らせ • Mar 04Generalfinance S.p.A., Annual General Meeting, Apr 10, 2025Generalfinance S.p.A., Annual General Meeting, Apr 10, 2025, at 11:00 W. Europe Standard Time.Price Target Changed • Mar 03Price target increased by 13% to €15.00Up from €13.25, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of €14.80. Stock is up 49% over the past year. The company is forecast to post earnings per share of €1.66 for next year compared to €1.19 last year.Valuation Update With 7 Day Price Move • Mar 03Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €14.80, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 9x in the Diversified Financial industry in Italy. Total returns to shareholders of 57% over the past year.Price Target Changed • Dec 30Price target increased by 9.9% to €13.90Up from €12.65, the current price target is an average from 2 analysts. New target price is 9.9% above last closing price of €12.65. Stock is up 36% over the past year. The company posted earnings per share of €1.19 last year.New Risk • Nov 20New major risk - Financial positionThe company's debt is not well covered by operating cash flow. Operating cash flow to total debt ratio: 18% This is considered a major risk. If the company's operating cash flows are too small relative to the size of their debt, it increases their balance sheet risk. The company has less cash from operations to cover its expenses from servicing large debt and it increases the risk of liquidity issues. It also extends the time it would take for the company to pay back the debt in full, meaning it may not be able to easily pay it all off in a distress scenario. This is currently the only risk that has been identified for the company.Reported Earnings • Nov 13Third quarter 2024 earnings released: EPS: €0.44 (vs €0.31 in 3Q 2023)Third quarter 2024 results: EPS: €0.44 (up from €0.31 in 3Q 2023). Revenue: €12.9m (up 26% from 3Q 2023). Net income: €5.62m (up 42% from 3Q 2023). Profit margin: 43% (up from 39% in 3Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 12% p.a. on average during the next 3 years, compared to a 1.7% growth forecast for the Diversified Financial industry in Italy.Reported Earnings • Jul 28Second quarter 2024 earnings releasedSecond quarter 2024 results: Revenue: €23.2m (up 145% from 2Q 2023). Net income: €3.10m (down 18% from 2Q 2023). Profit margin: 13% (down from 40% in 2Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 10.0% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Diversified Financial industry in Italy.New Risk • Jun 02New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended September 2023. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risk Debt is not well covered by operating cash flow (12% operating cash flow to total debt). Minor Risks Latest financial reports are more than 6 months old (reported September 2023 fiscal period end). Short dividend paying track record (1 year of continuous dividend payments).Upcoming Dividend • Apr 08Upcoming dividend of €0.59 per shareEligible shareholders must have bought the stock before 15 April 2024. Payment date: 17 April 2024. Payout ratio is a comfortable 41% and this is well supported by cash flows. Trailing yield: 5.9%. Within top quartile of Italian dividend payers (5.6%). Lower than average of industry peers (8.6%).Price Target Changed • Feb 27Price target increased by 7.4% to €11.60Up from €10.80, the current price target is an average from 2 analysts. New target price is 12% above last closing price of €10.40. Stock is up 31% over the past year. The company is forecast to post earnings per share of €1.23 for next year compared to €0.97 last year.Price Target Changed • Jan 31Price target increased by 8.1% to €11.40Up from €10.55, the current price target is an average from 2 analysts. New target price is 20% above last closing price of €9.50. Stock is up 32% over the past year. The company is forecast to post earnings per share of €1.28 for next year compared to €0.97 last year.Reported Earnings • Nov 13Third quarter 2023 earnings released: EPS: €0.31 (vs €0.28 in 3Q 2022)Third quarter 2023 results: EPS: €0.31 (up from €0.28 in 3Q 2022). Revenue: €10.3m (up 14% from 3Q 2022). Net income: €3.97m (up 14% from 3Q 2022). Profit margin: 39% (in line with 3Q 2022).Reported Earnings • Jul 28Second quarter 2023 earnings released: EPS: €0.30 (vs €0.18 in 2Q 2022)Second quarter 2023 results: EPS: €0.30 (up from €0.18 in 2Q 2022). Revenue: €9.49m (up 13% from 2Q 2022). Net income: €3.76m (up 69% from 2Q 2022). Profit margin: 40% (up from 26% in 2Q 2022). The increase in margin was primarily driven by higher revenue. Revenue is forecast to grow 20% p.a. on average during the next 2 years, compared to a 56% decline forecast for the Diversified Financial industry in Italy.Reported Earnings • Apr 20First quarter 2023 earnings released: EPS: €0.23 (vs €0.28 in 1Q 2022)First quarter 2023 results: EPS: €0.23. Revenue: €8.70m (up 8.2% from 1Q 2022). Net income: €2.90m (up 6.5% from 1Q 2022). Profit margin: 33% (in line with 1Q 2022).Reported Earnings • Feb 20Full year 2022 earnings released: EPS: €0.86 (vs €0.96 in FY 2021)Full year 2022 results: EPS: €0.86. Revenue: €33.5m (up 25% from FY 2021). Net income: €10.9m (up 15% from FY 2021). Profit margin: 33% (down from 35% in FY 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 18% p.a. on average during the next 2 years, compared to a 75% decline forecast for the Diversified Financial industry in Italy.Reported Earnings • Nov 19Third quarter 2022 earnings releasedThird quarter 2022 results: EPS: €0.28. Net income: €3.49m (up €3.49m from 3Q 2021). Revenue is forecast to grow 18% p.a. on average during the next 3 years, compared to a 84% decline forecast for the Diversified Financial industry in Italy.Board Change • Nov 16No independent directorsFollowing the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 9 non-independent directors. was the last director to join the board, commencing their role in . The company's lack of independent directors is a risk according to the Simply Wall St Risk Model.Reported Earnings • Nov 09Third quarter 2022 earnings releasedThird quarter 2022 results: EPS: €0.27. Net income: €3.45m (up €3.45m from 3Q 2021). Revenue is forecast to grow 18% p.a. on average during the next 3 years, compared to a 87% decline forecast for the Diversified Financial industry in Italy.Reported Earnings • Aug 10Second quarter 2022 earnings releasedSecond quarter 2022 results: EPS: €0.22. Revenue: €8.46m (flat on 2Q 2021). Net income: €2.18m (up €2.18m from 2Q 2021). Profit margin: 26% (up from null in 2Q 2021).業績と収益の成長予測BIT:GF - アナリストの将来予測と過去の財務データ ( )EUR Millions日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数12/31/20289942N/AN/A112/31/20278838N/AN/A112/31/20267732N/AN/A13/31/202671293639N/A12/31/202570291113N/A9/30/202569293638N/A6/30/202563252225N/A3/31/202555221518N/A12/31/20245221108111N/A9/30/202445184649N/A6/30/202443164345N/A3/31/202442175051N/A12/31/20233915-17-16N/A9/30/202336133031N/A6/30/202335132122N/A3/31/20233411-2-1N/A12/31/20223311-3-2N/A9/30/202233111820N/A6/30/2022311101N/A3/31/202229102627N/A12/31/2021279911N/A12/31/20201851010N/A12/31/2019154N/A15N/Aもっと見るアナリストによる今後の成長予測収入対貯蓄率: GFの予測収益成長率 (年間13.8% ) は 貯蓄率 ( 3.3% ) を上回っています。収益対市場: GFの収益 ( 13.8% ) はItalian市場 ( 10.9% ) よりも速いペースで成長すると予測されています。高成長収益: GFの収益は増加すると予測されていますが、大幅には増加しません。収益対市場: GFの収益 ( 12.3% ) Italian市場 ( 5.8% ) よりも速いペースで成長すると予測されています。高い収益成長: GFの収益 ( 12.3% ) 20%よりも低い成長が予測されています。一株当たり利益成長率予想将来の株主資本利益率将来のROE: GFの 自己資本利益率 は、3年後には高くなると予測されています ( 29.1 %)成長企業の発掘7D1Y7D1Y7D1YDiversified-financials 業界の高成長企業。View Past Performance企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/22 01:41終値2026/05/22 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Generalfinance S.p.A. 2 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。2 アナリスト機関Gabriele VenturiBanca Akros S.p.A. (ESN)Davide RiminiIntesa Sanpaolo Equity Research
Major Estimate Revision • Sep 04Consensus EPS estimates increase by 10%The consensus outlook for fiscal year 2025 has been updated. 2025 EPS estimate increased from €1.89 to €2.09. Revenue forecast unchanged at €60.9m. Net income forecast to grow 26% next year vs 15% growth forecast for Diversified Financial industry in Italy. Consensus price target up from €17.85 to €20.60. Share price rose 8.1% to €18.60 over the past week.
Price Target Changed • Sep 03Price target increased by 13% to €19.10Up from €16.85, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of €19.00. Stock is up 70% over the past year. The company is forecast to post earnings per share of €1.99 for next year compared to €1.67 last year.
Price Target Changed • Mar 03Price target increased by 13% to €15.00Up from €13.25, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of €14.80. Stock is up 49% over the past year. The company is forecast to post earnings per share of €1.66 for next year compared to €1.19 last year.
Price Target Changed • Dec 30Price target increased by 9.9% to €13.90Up from €12.65, the current price target is an average from 2 analysts. New target price is 9.9% above last closing price of €12.65. Stock is up 36% over the past year. The company posted earnings per share of €1.19 last year.
Price Target Changed • Feb 27Price target increased by 7.4% to €11.60Up from €10.80, the current price target is an average from 2 analysts. New target price is 12% above last closing price of €10.40. Stock is up 31% over the past year. The company is forecast to post earnings per share of €1.23 for next year compared to €0.97 last year.
Price Target Changed • Jan 31Price target increased by 8.1% to €11.40Up from €10.55, the current price target is an average from 2 analysts. New target price is 20% above last closing price of €9.50. Stock is up 32% over the past year. The company is forecast to post earnings per share of €1.28 for next year compared to €0.97 last year.
Recent Insider Transactions • May 17CEO & Executive Director recently bought €8.5m worth of stockOn the 12th of May, Massimo Gianolli bought around 292k shares on-market at roughly €29.10 per share. This trade did not impact their existing holding. This was the largest purchase by an insider in the last 3 months. This was Massimo's only on-market trade for the last 12 months.
Reported Earnings • May 14First quarter 2026 earnings releasedFirst quarter 2026 results: Revenue: €14.9m (up 3.0% from 1Q 2025). Net income: €5.12m (down 3.1% from 1Q 2025). Profit margin: 34% (down from 37% in 1Q 2025). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 12% p.a. on average during the next 3 years, while revenues in the Diversified Financial industry in Italy are expected to remain flat. Over the last 3 years on average, earnings per share has increased by 34% per year but the company’s share price has increased by 53% per year, which means it is tracking significantly ahead of earnings growth.
Upcoming Dividend • Apr 13Upcoming dividend of €1.36 per shareEligible shareholders must have bought the stock before 20 April 2026. Payment date: 22 April 2026. Payout ratio is a comfortable 60% but the company is paying out more than the cash it is generating. Trailing yield: 4.8%. Within top quartile of Italian dividend payers (4.6%). Lower than average of industry peers (6.5%).
New Risk • Apr 12New major risk - Financial positionThe company's debt is not well covered by operating cash flow. Operating cash flow to total debt ratio: 2.5% This is considered a major risk. If the company's operating cash flows are too small relative to the size of their debt, it increases their balance sheet risk. The company has less cash from operations to cover its expenses from servicing large debt and it increases the risk of liquidity issues. It also extends the time it would take for the company to pay back the debt in full, meaning it may not be able to easily pay it all off in a distress scenario. Currently, the following risks have been identified for the company: Major Risk Debt is not well covered by operating cash flow (2.5% operating cash flow to total debt). Minor Risk Dividend is not well covered by cash flows (160% cash payout ratio).
分析記事 • Feb 13Generalfinance (BIT:GF) Is Paying Out A Larger Dividend Than Last YearThe board of Generalfinance S.p.A. ( BIT:GF ) has announced that it will be increasing its dividend by 64% on the 22nd...
Declared Dividend • Feb 12Dividend increased to €1.36Dividend of €1.36 is 64% higher than last year. Ex-date: 20th April 2026 Payment date: 22nd April 2026 Dividend yield will be 5.3%, which is higher than the industry average of 3.5%. Sustainability & Growth Dividend is well covered by both earnings (37% earnings payout ratio) and cash flows (29% cash payout ratio). The dividend has increased by an average of 25% per year over the past 3 years and payments have been stable during that time. EPS is expected to grow by 48% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
分析記事 • Feb 11Industry Analysts Just Upgraded Their Generalfinance S.p.A. (BIT:GF) Revenue Forecasts By 12%Generalfinance S.p.A. ( BIT:GF ) shareholders will have a reason to smile today, with the analysts making substantial...
お知らせ • Feb 11Generalfinance S.p.A. announces Annual dividend, payable on April 22, 2026Generalfinance S.p.A. announced Annual dividend of EUR 1.3600 per share payable on April 22, 2026, ex-date on April 20, 2026 and record date on April 21, 2026.
お知らせ • Jan 16Generalfinance S.p.A. announced that it has received €20 million in fundingGeneralfinance S.p.A. has announced that it has received €20 million in a round of funding on January 15, 2026. The transaction included participation from new investor Nick Mackenzie. The company has provided unsecured bonds in the transaction. The bond will be maturing in April 2028 and bearing a fixed-rate coupon of 5.5% per annum. The bonds were issued at a price equal to 100.7% of their nominal value.
分析記事 • Jan 09There's No Escaping Generalfinance S.p.A.'s (BIT:GF) Muted EarningsGeneralfinance S.p.A.'s ( BIT:GF ) price-to-earnings (or "P/E") ratio of 10.4x might make it look like a buy right now...
New Risk • Nov 17New major risk - Financial positionThe company's debt is not well covered by operating cash flow. Operating cash flow to total debt ratio: 7.9% This is considered a major risk. If the company's operating cash flows are too small relative to the size of their debt, it increases their balance sheet risk. The company has less cash from operations to cover its expenses from servicing large debt and it increases the risk of liquidity issues. It also extends the time it would take for the company to pay back the debt in full, meaning it may not be able to easily pay it all off in a distress scenario. This is currently the only risk that has been identified for the company.
Reported Earnings • Nov 10Third quarter 2025 earnings released: EPS: €0.69 (vs €0.44 in 3Q 2024)Third quarter 2025 results: EPS: €0.69 (up from €0.44 in 3Q 2024). Revenue: €19.3m (up 49% from 3Q 2024). Net income: €8.68m (up 55% from 3Q 2024). Profit margin: 45% (up from 43% in 3Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 5.0% p.a. on average during the next 3 years, while revenues in the Diversified Financial industry in Italy are expected to remain flat. Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has increased by 40% per year, which means it is tracking significantly ahead of earnings growth.
Reported Earnings • Sep 12Second quarter 2025 earnings released: EPS: €0.56 (vs €0.25 in 2Q 2024)Second quarter 2025 results: EPS: €0.56 (up from €0.25 in 2Q 2024). Revenue: €17.5m (up 76% from 2Q 2024). Net income: €7.03m (up 126% from 2Q 2024). Profit margin: 40% (up from 31% in 2Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 9.4% p.a. on average during the next 3 years, compared to a 1.6% decline forecast for the Diversified Financial industry in Italy. Over the last 3 years on average, earnings per share has increased by 26% per year but the company’s share price has increased by 41% per year, which means it is tracking significantly ahead of earnings growth.
Major Estimate Revision • Sep 04Consensus EPS estimates increase by 10%The consensus outlook for fiscal year 2025 has been updated. 2025 EPS estimate increased from €1.89 to €2.09. Revenue forecast unchanged at €60.9m. Net income forecast to grow 26% next year vs 15% growth forecast for Diversified Financial industry in Italy. Consensus price target up from €17.85 to €20.60. Share price rose 8.1% to €18.60 over the past week.
分析記事 • Sep 04Insufficient Growth At Generalfinance S.p.A. (BIT:GF) Hampers Share PriceWith a price-to-earnings (or "P/E") ratio of 11.2x Generalfinance S.p.A. ( BIT:GF ) may be sending bullish signals at...
Price Target Changed • Sep 03Price target increased by 13% to €19.10Up from €16.85, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of €19.00. Stock is up 70% over the past year. The company is forecast to post earnings per share of €1.99 for next year compared to €1.67 last year.
Reported Earnings • May 22First quarter 2025 earnings releasedFirst quarter 2025 results: Revenue: €14.5m (up 24% from 1Q 2024). Net income: €5.29m (up 8.4% from 1Q 2024). Profit margin: 37% (down from 42% in 1Q 2024). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 13% p.a. on average during the next 3 years, compared to a 3.7% decline forecast for the Diversified Financial industry in Italy.
Upcoming Dividend • Apr 07Upcoming dividend of €0.83 per shareEligible shareholders must have bought the stock before 14 April 2025. Payment date: 16 April 2025. Payout ratio is a comfortable 41% and this is well supported by cash flows. Trailing yield: 3.8%. Lower than top quartile of Italian dividend payers (5.9%). Lower than average of industry peers (6.9%).
分析記事 • Mar 27Market Might Still Lack Some Conviction On Generalfinance S.p.A. (BIT:GF) Even After 25% Share Price BoostDespite an already strong run, Generalfinance S.p.A. ( BIT:GF ) shares have been powering on, with a gain of 25% in the...
分析記事 • Mar 07Generalfinance (BIT:GF) Is Paying Out A Larger Dividend Than Last YearGeneralfinance S.p.A.'s ( BIT:GF ) periodic dividend will be increasing on the 16th of April to €0.83, with investors...
Declared Dividend • Mar 06Dividend increased to €0.83Dividend of €0.83 is 41% higher than last year. Ex-date: 14th April 2025 Payment date: 16th April 2025 Dividend yield will be 5.8%, which is higher than the industry average of 3.5%. Sustainability & Growth Dividend is well covered by both earnings (41% earnings payout ratio) and cash flows (16% cash payout ratio). The dividend has increased by an average of 17% per year over the past 2 years and payments have been stable during that time. EPS is expected to grow by 53% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Mar 05Generalfinance S.p.A. announces Annual dividend, payable on April 16, 2025Generalfinance S.p.A. announced Annual dividend of EUR 0.8300 per share payable on April 16, 2025, ex-date on April 14, 2025 and record date on April 15, 2025.
お知らせ • Mar 04Generalfinance S.p.A., Annual General Meeting, Apr 10, 2025Generalfinance S.p.A., Annual General Meeting, Apr 10, 2025, at 11:00 W. Europe Standard Time.
Price Target Changed • Mar 03Price target increased by 13% to €15.00Up from €13.25, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of €14.80. Stock is up 49% over the past year. The company is forecast to post earnings per share of €1.66 for next year compared to €1.19 last year.
Valuation Update With 7 Day Price Move • Mar 03Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €14.80, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 9x in the Diversified Financial industry in Italy. Total returns to shareholders of 57% over the past year.
Price Target Changed • Dec 30Price target increased by 9.9% to €13.90Up from €12.65, the current price target is an average from 2 analysts. New target price is 9.9% above last closing price of €12.65. Stock is up 36% over the past year. The company posted earnings per share of €1.19 last year.
New Risk • Nov 20New major risk - Financial positionThe company's debt is not well covered by operating cash flow. Operating cash flow to total debt ratio: 18% This is considered a major risk. If the company's operating cash flows are too small relative to the size of their debt, it increases their balance sheet risk. The company has less cash from operations to cover its expenses from servicing large debt and it increases the risk of liquidity issues. It also extends the time it would take for the company to pay back the debt in full, meaning it may not be able to easily pay it all off in a distress scenario. This is currently the only risk that has been identified for the company.
Reported Earnings • Nov 13Third quarter 2024 earnings released: EPS: €0.44 (vs €0.31 in 3Q 2023)Third quarter 2024 results: EPS: €0.44 (up from €0.31 in 3Q 2023). Revenue: €12.9m (up 26% from 3Q 2023). Net income: €5.62m (up 42% from 3Q 2023). Profit margin: 43% (up from 39% in 3Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 12% p.a. on average during the next 3 years, compared to a 1.7% growth forecast for the Diversified Financial industry in Italy.
Reported Earnings • Jul 28Second quarter 2024 earnings releasedSecond quarter 2024 results: Revenue: €23.2m (up 145% from 2Q 2023). Net income: €3.10m (down 18% from 2Q 2023). Profit margin: 13% (down from 40% in 2Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 10.0% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Diversified Financial industry in Italy.
New Risk • Jun 02New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended September 2023. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risk Debt is not well covered by operating cash flow (12% operating cash flow to total debt). Minor Risks Latest financial reports are more than 6 months old (reported September 2023 fiscal period end). Short dividend paying track record (1 year of continuous dividend payments).
Upcoming Dividend • Apr 08Upcoming dividend of €0.59 per shareEligible shareholders must have bought the stock before 15 April 2024. Payment date: 17 April 2024. Payout ratio is a comfortable 41% and this is well supported by cash flows. Trailing yield: 5.9%. Within top quartile of Italian dividend payers (5.6%). Lower than average of industry peers (8.6%).
Price Target Changed • Feb 27Price target increased by 7.4% to €11.60Up from €10.80, the current price target is an average from 2 analysts. New target price is 12% above last closing price of €10.40. Stock is up 31% over the past year. The company is forecast to post earnings per share of €1.23 for next year compared to €0.97 last year.
Price Target Changed • Jan 31Price target increased by 8.1% to €11.40Up from €10.55, the current price target is an average from 2 analysts. New target price is 20% above last closing price of €9.50. Stock is up 32% over the past year. The company is forecast to post earnings per share of €1.28 for next year compared to €0.97 last year.
Reported Earnings • Nov 13Third quarter 2023 earnings released: EPS: €0.31 (vs €0.28 in 3Q 2022)Third quarter 2023 results: EPS: €0.31 (up from €0.28 in 3Q 2022). Revenue: €10.3m (up 14% from 3Q 2022). Net income: €3.97m (up 14% from 3Q 2022). Profit margin: 39% (in line with 3Q 2022).
Reported Earnings • Jul 28Second quarter 2023 earnings released: EPS: €0.30 (vs €0.18 in 2Q 2022)Second quarter 2023 results: EPS: €0.30 (up from €0.18 in 2Q 2022). Revenue: €9.49m (up 13% from 2Q 2022). Net income: €3.76m (up 69% from 2Q 2022). Profit margin: 40% (up from 26% in 2Q 2022). The increase in margin was primarily driven by higher revenue. Revenue is forecast to grow 20% p.a. on average during the next 2 years, compared to a 56% decline forecast for the Diversified Financial industry in Italy.
Reported Earnings • Apr 20First quarter 2023 earnings released: EPS: €0.23 (vs €0.28 in 1Q 2022)First quarter 2023 results: EPS: €0.23. Revenue: €8.70m (up 8.2% from 1Q 2022). Net income: €2.90m (up 6.5% from 1Q 2022). Profit margin: 33% (in line with 1Q 2022).
Reported Earnings • Feb 20Full year 2022 earnings released: EPS: €0.86 (vs €0.96 in FY 2021)Full year 2022 results: EPS: €0.86. Revenue: €33.5m (up 25% from FY 2021). Net income: €10.9m (up 15% from FY 2021). Profit margin: 33% (down from 35% in FY 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 18% p.a. on average during the next 2 years, compared to a 75% decline forecast for the Diversified Financial industry in Italy.
Reported Earnings • Nov 19Third quarter 2022 earnings releasedThird quarter 2022 results: EPS: €0.28. Net income: €3.49m (up €3.49m from 3Q 2021). Revenue is forecast to grow 18% p.a. on average during the next 3 years, compared to a 84% decline forecast for the Diversified Financial industry in Italy.
Board Change • Nov 16No independent directorsFollowing the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 9 non-independent directors. was the last director to join the board, commencing their role in . The company's lack of independent directors is a risk according to the Simply Wall St Risk Model.
Reported Earnings • Nov 09Third quarter 2022 earnings releasedThird quarter 2022 results: EPS: €0.27. Net income: €3.45m (up €3.45m from 3Q 2021). Revenue is forecast to grow 18% p.a. on average during the next 3 years, compared to a 87% decline forecast for the Diversified Financial industry in Italy.
Reported Earnings • Aug 10Second quarter 2022 earnings releasedSecond quarter 2022 results: EPS: €0.22. Revenue: €8.46m (flat on 2Q 2021). Net income: €2.18m (up €2.18m from 2Q 2021). Profit margin: 26% (up from null in 2Q 2021).