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Generalfinance SpAMIL:GF -0.47%81 3-Year EPS without NRI Growth Rate is 31.10% as of Jun. 2026, which is 13% below its 10-year median of 35.70. GuruFocus rates MIL:GF with a GF Score™ of 81/100 and a GF Value™ of €16.01 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 427 Credit Services companies, Generalfinance SpA ranks better than 74.71% on this metric.
During the past 12 months, Generalfinance SpA's average EPS without NRI Growth Rate was 10.00% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 31.10% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 34.60% 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 EPS without NRI growth rate.
During the past 8 years, the highest 3-Year average EPS without NRI Growth Rate of Generalfinance SpA was 40.10% per year. The lowest was 29.20% per year. And the median was 35.70% per year.
Generalfinance SpA (MIL:GF) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Generalfinance SpA 3-Year EPS without NRI Growth Rate Related Terms
MIL:GF vs V, MA, AXP: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, Generalfinance SpA's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Generalfinance SpA's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Generalfinance SpA's 3-Year EPS without NRI Growth Rate falls into.
Generalfinance SpA 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 31.10% mean?
Generalfinance SpA (MIL:GF) has a 3-Year EPS without NRI Growth Rate of 31.10% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Generalfinance SpA and its competitors. This is 13% below median its historical median of 35.70. Over the past decade, Generalfinance SpA's 3-Year EPS without NRI Growth Rate has ranged from 29.20 to 40.10. According to the industry distribution chart, Generalfinance SpA ranks #108 out of 427 companies in the Credit Services industry, placing it in the top 25.3%.
Is Generalfinance SpA's 3-Year EPS without NRI Growth Rate too high?
Generalfinance SpA's current 3-Year EPS without NRI Growth Rate of 31.10% is 13% below median its 10-year median of 35.70. Over the past 10 years, this metric has ranged from a low of 29.20 to a high of 40.10. The Credit Services industry median 3-Year EPS without NRI Growth Rate is 11.40. Generalfinance SpA's value of 31.10% is 172.8% above this industry median. Based on the distribution chart, Generalfinance SpA ranks #108 out of 427 companies in the Credit Services industry, which is above the industry midpoint. Overall, Generalfinance SpA has a GF Score™ of 81/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Generalfinance SpA's 3-Year EPS without NRI Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Generalfinance SpA ranks #108 out of 427 companies for 3-Year EPS without NRI Growth Rate. This puts Generalfinance SpA in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 11.40. Generalfinance SpA's value of 31.10% is 172.8% above this benchmark. Historically, Generalfinance SpA's own 3-Year EPS without NRI Growth Rate has ranged from 29.20 to 40.10 over the past decade. While the company's 10-year median is 35.70 vs. the industry median of 11.40, 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 EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.40, based on 427 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 31.10% is 172.8% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Generalfinance SpA and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generalfinance SpA's current 3-Year EPS without NRI Growth Rate is 31.10%, which is 13% below median its own 10-year median of 35.70. 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 €16.01, compared to a current price of €21.00 — trading 31.2% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 31.10%, which is 13% below median its 10-year median of 35.70 and 172.8% above the Credit Services industry median of 11.40. Generalfinance SpA's overall GF Score™ is 81/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Generalfinance SpA (MIL:GF), the current 3-Year EPS without NRI Growth Rate is 31.10% 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 €21.00 is trading 31.2% above its estimated GF Value™ of €16.01.
GuruFocus considers Generalfinance SpA to be Significantly Overvalued.
Key valuation signals for MIL:GF:
3-Year EPS without NRI Growth Rate: 31.10% (13% below median its 10-year median of 35.70)
GF Value™: €16.01 vs. price of €21.00 (31.2% above fair value)
Industry Position: 172.8% above the Credit Services median (#108 of 427)
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.
81GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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