Generalfinance S.p.A (GF) Fair Value & Analysis
Financial Services · IT · Market cap €341M
Fair value as of: Jun 26, 2026
From 20 valuation models · updated 3 days ago
Share price +4.1% over the past month.
Price vs Fair Value (12 months)
12‑month range €14.34 – €31.12 · fair‑value band €21.12 – €41.86 · the €28.40 price screens above the €21.12 fair value. As of Jun 26, 2026.
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Generalfinance S.p.A (GF) currently trades at €28.40, while our model-based Fair Value estimate is €21.12 — implying the stock looks roughly 25.6% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Generalfinance S.p.A generated revenue of €70.9M at a net margin of 40.3%. Revenue grew 3.0% year over year. It earns a return on equity of 30.3%. Net debt stands at €535M. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
Generalfinance S.p.A. provides factoring service for distressed companies in Italy. It operates in two segments, Corporate and Retail. 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.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Generalfinance S.p.A reported revenue of €100M in FY2025 versus €30.0M in FY2021, a compound +35.2%/yr. Reported net income was €28.8M in FY2025, compounding +32.1%/yr from FY2021.
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6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
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|---|---|---|---|
| Visa Inc V | 5,663 MXN | 3,063 MXN | -46% |
| Mastercard Incorporated MA | C$29.95 | C$17.84 | -40% |
| M4I M4I | €430.50 | €367.81 | -15% |
| American Express Company AXP | C$28.87 | C$17.03 | -41% |
| Capital One Financial Corporation COF | $183.20 | $122.33 | -33% |
| Bajaj Finance Limited BAJFINANCE | ₹968.30 | ₹720.78 | -26% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.