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Generalfinance SpAMIL:GF +1.42%77 3-Year Book Growth Rate is 20.20% as of Jun. 2026, which is 44% below its 10-year median of 35.80. GuruFocus rates MIL:GF with a GF Score™ of 77/100 and a GF Value™ of €15.78 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 521 Credit Services companies, Generalfinance SpA ranks better than 81% on this metric.
During the past 12 months, Generalfinance SpA's average Book Value per Share Growth Rate was 11.00% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 20.20% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 34.20% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 8 years, the highest 3-Year average Book Value per Share Growth Rate of Generalfinance SpA was 43.30% per year. The lowest was 20.20% per year. And the median was 35.80% per year.
Generalfinance SpA (MIL:GF) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Generalfinance SpA 3-Year Book Growth Rate Related Terms
MIL:GF vs V, MA, AXP: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Generalfinance SpA's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Generalfinance SpA 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Generalfinance SpA's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Generalfinance SpA's 3-Year Book Growth Rate falls into.
Generalfinance SpA 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 20.20% mean?
Generalfinance SpA (MIL:GF) has a 3-Year Book Growth Rate of 20.20% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Generalfinance SpA and its competitors. This is 44% below median its historical median of 35.80. Over the past decade, Generalfinance SpA's 3-Year Book Growth Rate has ranged from 20.20 to 43.30. According to the industry distribution chart, Generalfinance SpA ranks #99 out of 521 companies in the Credit Services industry, placing it in the top 19%.
Is Generalfinance SpA's 3-Year Book Growth Rate too high?
Generalfinance SpA's current 3-Year Book Growth Rate of 20.20% is 44% below median its 10-year median of 35.80. Over the past 10 years, this metric has ranged from a low of 20.20 to a high of 43.30. The Credit Services industry median 3-Year Book Growth Rate is 6.10. Generalfinance SpA's value of 20.20% is 231.1% above this industry median. Based on the distribution chart, Generalfinance SpA ranks #99 out of 521 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Generalfinance SpA has a GF Score™ of 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Generalfinance SpA's 3-Year Book Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Generalfinance SpA ranks #99 out of 521 companies for 3-Year Book Growth Rate. This places Generalfinance SpA in the top 19% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 6.10. Generalfinance SpA's value of 20.20% is 231.1% above this benchmark. Historically, Generalfinance SpA's own 3-Year Book Growth Rate has ranged from 20.20 to 43.30 over the past decade. While the company's 10-year median is 35.80 vs. the industry median of 6.10, Generalfinance SpA has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 6.10, based on 521 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Generalfinance SpA's current 3-Year Book Growth Rate of 20.20% is 231.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Generalfinance SpA and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 6.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generalfinance SpA's current 3-Year Book Growth Rate is 20.20%, which is 44% below median its own 10-year median of 35.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Generalfinance SpA stock overvalued right now?
Based on GuruFocus' analysis, Generalfinance SpA (MIL:GF) is currently considered Significantly Overvalued. The stock's GF Value™ is €15.78, compared to a current price of €21.40 — trading 35.6% above its estimated fair value. The current 3-Year Book Growth Rate is 20.20%, which is 44% below median its 10-year median of 35.80 and 231.1% above the Credit Services industry median of 6.10. Generalfinance SpA's overall GF Score™ is 77/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Generalfinance SpA (MIL:GF), the current 3-Year Book Growth Rate is 20.20% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Generalfinance SpA (MIL:GF) Overvalued in 2026?
Based on GuruFocus' analysis, Generalfinance SpA stock appears to be overvalued.
The current stock price of €21.40 is trading 35.6% above its estimated GF Value™ of €15.78.
GuruFocus considers Generalfinance SpA to be Significantly Overvalued.
Key valuation signals for MIL:GF:
3-Year Book Growth Rate: 20.20% (44% below median its 10-year median of 35.80)
GF Value™: €15.78 vs. price of €21.40 (35.6% above fair value)
Industry Position: 231.1% above the Credit Services median (#99 of 521)
No single metric tells the full story. See the MIL:GF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
77GF Score
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