Intrinsiqq

Generalfinance S.p.A. (GF.XMIL) Quality Score

GF.XMIL
Quality52

Business quality is the primary weakness (avg 23/100). Valuation is the relative bright spot.

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
100/100
8.3x

Under 20x, reasonable relative to earnings

Cash Flow Multiple
90/100
10.8x

Under 20x cash flow, well covered

Revenue Growth
100/100
24.9%

Above 10% CAGR, strong compounder

Cash Flow Growth
0/100
-57.0%

Below 2%, essentially flat

Business Quality & Capital Allocation

Share Dilution
0/100
12.3%

Heavy dilution above 5%

Margin Trend
90/100
+1.0pp

Expanded 1–3pp, steady progress

Capital Structure
0/100
€538M

Net debt/FCF of 26.9x, high leverage

2022
€44M
€344M
2023
€22M
€390M
2024
€101M
€571M
2025
€108M
€646M
Return on Capital
0/100
4.4%

Below 8%, may not cover cost of capital

Customize WeightsPremiumUpgrade

Generalfinance S.p.A. (GF.XMIL) quality: score, margins and returns

Generalfinance S.p.A. (GF.XMIL) scores 52/100 on Intrinsiqq's quality score (a mixed business), a weighted blend of 8 metrics each scored 0 to 100, on 45.4% operating margins and 4.4% ROIC. Every metric is computed from company filings; this is analysis, not investment advice.

Frequently asked

Is Generalfinance S.p.A. (GF.XMIL) a high-quality business?+

Generalfinance S.p.A. scores 52 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a mixed business on these measures. Recent figures include a 45.4% operating margin and a 4.4% return on invested capital. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Generalfinance S.p.A.'s quality score measure?+

Intrinsiqq's quality score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, change in share count, and balance-sheet strength, each computed from GF.XMIL's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Generalfinance S.p.A. scores well and where it falls behind.

What is Generalfinance S.p.A.'s return on invested capital (ROIC)?+

Generalfinance S.p.A. earns about 4.4% on its invested capital, which is weak. ROIC measures how much profit a company generates per dollar put to work; sustained ROIC above its cost of capital is one of the clearest signs of a real competitive moat. Compare it to GF.XMIL's margins and growth on this scorecard to judge durability.

How profitable is Generalfinance S.p.A.?+

Generalfinance S.p.A. runs an operating margin of about 45.4% and a net margin of about 25.8%. Revenue has grown at roughly 35.2% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from company filings, not investment advice.

How the market compares: US profitability statistics

Related stocks: Credit Services

Spot a number that looks wrong?

Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

SectorsPrivacyTerms© 2026 Intrinsiqq

Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.