How does GF's PE Ratio compare to its peers?

GF is expensive based on its Price-To-Earnings Ratio (8.7x) compared to the peer average (8.5x).

How does GF's PE Ratio compare vs other companies in the European Diversified Financial Industry?

GF is good value based on its Price-To-Earnings Ratio (8.7x) compared to the European Diversified Financial industry average (11.4x).

What is GF's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

GF is good value based on its Price-To-Earnings Ratio (8.7x) compared to the estimated Fair Price-To-Earnings Ratio (10.5x).

What is the Fair Price of GF when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

GF (€12.45) is trading above our estimate of [[fair value]] (€6.56)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Target price is less than 20% higher than the current share price.

Generalfinance BIT:GF Stock Report

Last Price

€12.45

Market Cap

€159.2m

7D

-1.2%

1Y

33.9%

Updated

19 Dec, 2024

Data

Company Financials +

Generalfinance S.p.A.

BIT:GF Stock Report

Market Cap: €159.2m

GF Stock Overview

Provides factoring service for distressed companies in Italy. More details

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

Rewards

Price-To-Earnings ratio (8.7x) is below the Italian market (13.9x)

Earnings are forecast to grow 14.19% per year

Earnings grew by 37% over the past year

Risk Analysis

Debt is not well covered by operating cash flow

My Notes

Capture your thoughts, links and company narrative

Generalfinance S.p.A. Competitors

illimity Bank

BIT:ILTY

€263.3m

Banca IFIS

BIT:IF

€1.1b

BFF Bank

BIT:BFF

€1.6b

Mittel

BIT:MIT

€142.8m

Price History & Performance

Summary of share price highs, lows and changes for Generalfinance
Historical stock prices
Current Share Price	€12.45
52 Week High	€12.85
52 Week Low	€9.10
Beta	0.022
1 Month Change	13.70%
3 Month Change	11.16%
1 Year Change	33.87%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	72.92%

Recent News & Updates

Recent updates

Shareholder Returns

	GF	IT Diversified Financial	IT Market
7D	-1.2%	-1.1%	-0.9%
1Y	33.9%	-0.9%	10.7%

Return vs Industry: GF exceeded the Italian Diversified Financial industry which returned -0.9% over the past year.

Return vs Market: GF exceeded the Italian Market which returned 10.7% over the past year.

Price Volatility

Is GF's price volatile compared to industry and market?
GF volatility
GF Average Weekly Movement	4.5%
Diversified Financial Industry Average Movement	4.0%
Market Average Movement	4.3%
10% most volatile stocks in IT Market	7.8%
10% least volatile stocks in IT Market	2.5%

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

Volatility Over Time: GF's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1982	71	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?
GF fundamental statistics
Market cap	€159.20m
Earnings (TTM)	€17.98m
Revenue (TTM)	€45.47m

8.7x

P/E Ratio

3.5x

P/S Ratio

Is GF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
GF income statement (TTM)
Revenue	€45.47m
Cost of Revenue	€4.34m
Gross Profit	€41.13m
Other Expenses	€23.15m
Earnings	€17.98m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.42
Gross Margin	90.46%
Net Profit Margin	39.54%
Debt/Equity Ratio	373.3%

How did GF perform over the long term?

See historical performance and comparison

Dividends

4.7%

Current Dividend Yield

41%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/19 19:20
End of Day Share Price	2024/12/19 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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 here.

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 .

Analyst Sources

Generalfinance S.p.A. is covered by 3 analysts. 2 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)
Manuela Meroni	Intesa Sanpaolo Equity Research
Davide Rimini	Intesa Sanpaolo Equity Research