Added to YB: 2026-04-13
Pitch date: 2026-04-12
GF.MI [bullish]
Generalfinance S.p.A.
Author Info
No bio for this author
Company Info
Generalfinance S.p.A. provides factoring service for distressed companies in Italy. It operates in two segments, Corporate and Retail.
Market Cap
EUR 362.6M
Pitch Price
N/A
Price Target
41.00
Dividend
N/A
EV/EBITDA
N/A
P/E
N/A
EV/Sales
N/A
Sector
Financial Services
Category
growth
Microcap beats Alphabet on ROE & Margins!
GF.MI: Italian factoring for SMEs w/ 44yr moat via automated invoice processing (500k/yr across 20k debtors). Superior credit intelligence = 1% NPL vs 5% industry, enabling 41% ROE, 29% margins, 32% NI CAGR. Rev +30% 3yrs, guided €37M NI 2027. 9.5x FY27 P/E, 5% div yield. 14-16x fair = €41-47 (+46-67%). Risks: Italy macro, €9.3M Leali litigation, key man, BFF 7.68% stake liquidation risk.
Read full article (7 min)