Generalfinance - Public Comps and Valuation Multiples

Generalfinance Overview

About Generalfinance

Generalfinance SpA operates is engaged in providing factoring services to small and medium-sized companies in financial difficulty. The group offers customized financing solutions to meet the needs of companies operating in the manufacturing, wholesale business, transportation, and construction.

Founded

1982

HQ

Employees

Website

generalfinance.it

Sectors

Lending Solutions

Financials

LTM Revenue $66.8M

Last FY EBITDA $39.9M

EV

$864M

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Generalfinance Financials

As of September 2025, Generalfinance reported last 12-month revenue of $66.8M.

In the same period, Generalfinance generated $45.3M in LTM gross profit and $28.9M in net income.

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Generalfinance P&L

In the most recent fiscal year, Generalfinance reported revenue of $93.5M and EBITDA of $39.9M.

Generalfinance expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$66.8M	XXX	$93.5M	XXX	XXX	XXX
Gross Profit	$45.3M	XXX	$50.4M	XXX	XXX	XXX
Gross Margin	68%	XXX	54%	XXX	XXX	XXX
EBITDA	n/a	XXX	$39.9M	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	43%	XXX	XXX	XXX
EBIT	$45.4M	XXX	$38.1M	XXX	XXX	XXX
EBIT Margin	68%	XXX	41%	XXX	XXX	XXX
Net Profit	$28.9M	XXX	$24.4M	XXX	XXX	XXX
Net Margin	43%	XXX	26%	XXX	XXX	XXX
Net Debt	XXX	XXX	$540M	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Generalfinance including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $66.8M. In the most recent fiscal year, Generalfinance achieved $93.5M in revenue and $39.9M in EBITDA.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$66.8M	Analyst estimates available to subscribers	$93.5M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	$45.3M	Analyst estimates available to subscribers	$50.4M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	67.9% gross margin	Analyst estimates available to subscribers	54.0% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	n/a	Analyst estimates available to subscribers	$39.9M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	n/a	Analyst estimates available to subscribers	42.7% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$45.4M	Analyst estimates available to subscribers	$38.1M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	67.9% EBIT margin	Analyst estimates available to subscribers	40.7% EBIT margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$28.9M	Analyst estimates available to subscribers	$24.4M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	43.3% net profit margin	Analyst estimates available to subscribers	26.1% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$540M	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Generalfinance

This financial data table provides comprehensive performance metrics for Generalfinance, a company based in Italy. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Generalfinance generated $66.8M in revenue over the last twelve months.
Gross profit for the last twelve months was $45.3M.
Net income over the last twelve months reached $28.9M.

Fiscal Year Performance

In the most recent fiscal year, Generalfinance reported $93.5M in total revenue.
Fiscal year EBITDA was $39.9M.
The company maintained a gross profit margin of 54.0% in the most recent fiscal year.
EBITDA margin for the fiscal year was 42.7%.
Net profit margin reached 26.1% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Generalfinance. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Generalfinance Stock Performance

Generalfinance has current market cap of EUR 249M (or $288M), and EV of EUR 747M (or $864M).

Market Cap Evolution

Generalfinance Stock Data

As of October 17, 2025, Generalfinance's stock price is EUR 20 (or $23).

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EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$864M	$288M	XXX	XXX	XXX	XXX	$2.29

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Generalfinance Valuation Multiples

Generalfinance's trades at 9.2x EV/Revenue multiple, and 21.6x EV/EBITDA.

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Generalfinance Financial Valuation Multiples

As of October 17, 2025, Generalfinance has market cap of $288M and EV of $864M.

Equity research analysts estimate Generalfinance's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Generalfinance has a P/E ratio of 10.0x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$288M	XXX	$288M	XXX	XXX	XXX
EV (current)	$864M	XXX	$864M	XXX	XXX	XXX
EV/Revenue	12.9x	XXX	9.2x	XXX	XXX	XXX
EV/EBITDA	n/a	XXX	21.6x	XXX	XXX	XXX
EV/EBIT	19.0x	XXX	22.7x	XXX	XXX	XXX
EV/Gross Profit	19.1x	XXX	n/a	XXX	XXX	XXX
P/E	10.0x	XXX	11.8x	XXX	XXX	XXX
EV/FCF	n/a	XXX	6.9x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Generalfinance Margins & Growth Rates

Generalfinance's last 12 month revenue growth is 16%

Generalfinance's revenue per employee in the last FY averaged $1.3M, while opex per employee averaged $0.2M for the same period.

Generalfinance's rule of 40 is 55% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Generalfinance's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Generalfinance Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	16%	XXX	-8%	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	43%	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	55%	XXX	59%	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	n/a	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$1.3M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	$0.2M	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	13%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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