Generalfinance Valuation

Is GF undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

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

Below Fair Value: GF (€11.1) is trading above our estimate of fair value (€10.09)

Significantly Below Fair Value: GF is trading above our estimate of fair value.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for GF?

Other financial metrics that can be useful for relative valuation.

GF key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio0.5x

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for GF vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average8.1x
ILTY illimity Bank
4.4x4.0%€265.5m
IF Banca IFIS
7.2x2.4%€1.2b
BFF BFF Bank
6.2x2.8%€1.5b
MIT Mittel
14.6xn/a€128.5m
GF Generalfinance
7.8x14.6%€140.2m

Price-To-Earnings vs Peers: GF is good value based on its Price-To-Earnings Ratio (7.8x) compared to the peer average (8.1x).


Price to Earnings Ratio vs Industry

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

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a26.8%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a26.8%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: GF is good value based on its Price-To-Earnings Ratio (7.8x) compared to the European Diversified Financial industry average (10.9x).


Price to Earnings Ratio vs Fair Ratio

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 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio7.8x
Fair PE Ratio10.4x

Price-To-Earnings vs Fair Ratio: GF is good value based on its Price-To-Earnings Ratio (7.8x) compared to the estimated Fair Price-To-Earnings Ratio (10.4x).


Analyst Price Targets

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

The above table shows the analyst GF forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€11.10
€12.65
+14.0%
1.2%€12.80€12.50n/a2
Nov ’25€11.80
€12.65
+7.2%
1.2%€12.80€12.50n/a2
Oct ’25€11.00
€12.65
+15.0%
1.2%€12.80€12.50n/a2
Sep ’25€11.35
€12.65
+11.5%
1.2%€12.80€12.50n/a2
Aug ’25€11.00
€12.70
+15.5%
1.6%€12.90€12.50n/a2
Jul ’25€11.10
€12.25
+10.4%
5.3%€12.90€11.60n/a2
Jun ’25€10.85
€12.25
+12.9%
5.3%€12.90€11.60n/a2
May ’25€10.80
€12.05
+11.6%
3.7%€12.50€11.60n/a2
Apr ’25€9.95
€11.95
+20.1%
4.6%€12.50€11.40n/a2
Mar ’25€10.10
€11.95
+18.3%
4.6%€12.50€11.40n/a2
Feb ’25€9.45
€11.40
+20.6%
3.5%€11.80€11.00n/a2
Jan ’25€9.30
€10.80
+16.1%
9.3%€11.80€9.80n/a2
Dec ’24€9.30
€10.55
+13.4%
7.1%€11.30€9.80n/a2
Nov ’24€8.20
€10.55
+28.7%
7.1%€11.30€9.80€11.802
Oct ’24€7.75
€10.55
+36.1%
7.1%€11.30€9.80€11.002
Sep ’24€8.00
€10.55
+31.9%
7.1%€11.30€9.80€11.352
Aug ’24€7.95
€10.50
+32.1%
6.7%€11.20€9.80€11.002
Jul ’24€8.05
€10.50
+30.4%
6.7%€11.20€9.80€11.102
Jun ’24€8.00
€10.50
+31.3%
6.7%€11.20€9.80€10.852
May ’24€8.00
€10.50
+31.3%
6.7%€11.20€9.80€10.802
Apr ’24€8.36
€10.55
+26.2%
7.1%€11.30€9.80€9.952
Mar ’24€7.82
€10.55
+34.9%
7.1%€11.30€9.80€10.102
Feb ’24€7.18
€9.95
+38.6%
1.5%€10.10€9.80€9.452
Jan ’24€7.20
€9.95
+38.2%
1.5%€10.10€9.80€9.302
Dec ’23€7.10
€9.95
+40.1%
1.5%€10.10€9.80€9.302
Nov ’23€7.08
€9.50
+34.2%
7.4%€10.20€8.80€8.202

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


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