VG30 Stock Overview

Provides factoring service for distressed companies in Italy. More details

VG30 fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	3/6
Past Performance	5/6
Financial Health	2/6
Dividends	4/6

Rewards

Price-To-Earnings ratio (9.2x) is below the German market (19.3x)

Earnings are forecast to grow 14.62% per year

Earnings grew by 40% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Debt is not well covered by operating cash flow

Community vs My Fair Value

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Generalfinance S.p.A. Competitors

ALBIS Leasing

XTRA:ALG

€59.3m

Grenke

XTRA:GLJ

€622.0m

FORIS

XTRA:FRS

€18.7m

DF Deutsche Forfait

XTRA:DFTK

€17.7m

Price History & Performance

Summary of share price highs, lows and changes for Generalfinance
Historical stock prices
Current Share Price	€14.95
52 Week High	€16.15
52 Week Low	€10.25
Beta	-0.098
1 Month Change	1.36%
3 Month Change	18.65%
1 Year Change	33.48%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	113.11%

Recent updates

Shareholder Returns

	VG30	DE Diversified Financial	DE Market
7D	2.4%	3.2%	1.4%
1Y	33.5%	-6.2%	12.6%

Return vs Industry: VG30 exceeded the German Diversified Financial industry which returned -4.9% over the past year.

Return vs Market: VG30 exceeded the German Market which returned 13.8% over the past year.

Price Volatility

Is VG30's price volatile compared to industry and market?
VG30 volatility
VG30 Average Weekly Movement	5.6%
Diversified Financial Industry Average Movement	5.8%
Market Average Movement	6.5%
10% most volatile stocks in DE Market	12.8%
10% least volatile stocks in DE Market	3.1%

Stable Share Price: VG30 has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: VG30's weekly volatility (6%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1982	77	Massimo Gianolli	www.generalfinance.it

Generalfinance S.p.A. provides factoring service for distressed companies in Italy. Generalfinance S.p.A. was formerly known as Prestoleasing S.p.A. and changed its name to Generalfinance S.p.A. in 1990. The company was incorporated in 1982 and is based in Milan, Italy.

Generalfinance S.p.A. Fundamentals Summary

How do Generalfinance's earnings and revenue compare to its market cap?
VG30 fundamental statistics
Market cap	€193.95m
Earnings (TTM)	€21.10m
Revenue (TTM)	€52.42m

9.2x

P/E Ratio

3.7x

P/S Ratio

Is VG30 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
VG30 income statement (TTM)
Revenue	€52.42m
Cost of Revenue	€4.85m
Gross Profit	€47.58m
Other Expenses	€26.48m
Earnings	€21.10m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.67
Gross Margin	90.76%
Net Profit Margin	40.25%
Debt/Equity Ratio	784.6%

How did VG30 perform over the long term?

See historical performance and comparison

Dividends

5.4%

Current Dividend Yield

50%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/14 14:06
End of Day Share Price	2025/05/14 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Generalfinance S.p.A. is covered by 5 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Luigi Tramontana	Banca Akros S.p.A. (ESN)
Gabriele Venturi	Banca Akros S.p.A. (ESN)
Manuela Meroni	Intesa Sanpaolo Equity Research