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Generalfinance SpAMIL:GF -4.93%79 3-Year EBITDA Growth Rate is 32.90% as of Mar. 2026, which is 9% below its 10-year median of 36.20. GuruFocus rates MIL:GF with a GF Score™ of 79/100 and a GF Value™ of €15.48 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 319 Credit Services companies, Generalfinance SpA ranks better than 74.61% on this metric.
During the past 12 months, Generalfinance SpA's average EBITDA Per Share Growth Rate was 30.20% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 32.90% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 36.00% 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 EBITDA per share growth rate.
During the past 8 years, the highest 3-Year average EBITDA Per Share Growth Rate of Generalfinance SpA was 40.30% per year. The lowest was 32.00% per year. And the median was 36.20% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Generalfinance SpA 3-Year EBITDA Growth Rate Related Terms
MIL:GF vs V, MA, AXP: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, Generalfinance SpA's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA 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 EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Generalfinance SpA's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Generalfinance SpA's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA 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 EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 32.90% mean?
Generalfinance SpA (MIL:GF) has a 3-Year EBITDA Growth Rate of 32.90% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Generalfinance SpA and its competitors. This is near median its historical median of 36.20. Over the past decade, Generalfinance SpA's 3-Year EBITDA Growth Rate has ranged from 32.00 to 40.30. According to the industry distribution chart, Generalfinance SpA ranks #81 out of 319 companies in the Credit Services industry, placing it in the top 25.4%.
Is Generalfinance SpA's 3-Year EBITDA Growth Rate too high?
Generalfinance SpA's current 3-Year EBITDA Growth Rate of 32.90% is near median its 10-year median of 36.20. Over the past 10 years, this metric has ranged from a low of 32.00 to a high of 40.30. The Credit Services industry median 3-Year EBITDA Growth Rate is 9.10. Generalfinance SpA's value of 32.90% is 261.5% above this industry median. Based on the distribution chart, Generalfinance SpA ranks #81 out of 319 companies in the Credit Services industry, which is above the industry midpoint. Overall, Generalfinance SpA has a GF Score™ of 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Generalfinance SpA's 3-Year EBITDA Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Generalfinance SpA ranks #81 out of 319 companies for 3-Year EBITDA Growth Rate. This puts Generalfinance SpA in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.10. Generalfinance SpA's value of 32.90% is 261.5% above this benchmark. Historically, Generalfinance SpA's own 3-Year EBITDA Growth Rate has ranged from 32.00 to 40.30 over the past decade. While the company's 10-year median is 36.20 vs. the industry median of 9.10, 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 EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.10, based on 319 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA 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 EBITDA Growth Rate of 32.90% is 261.5% 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 EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Generalfinance SpA and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generalfinance SpA's current 3-Year EBITDA Growth Rate is 32.90%, which is near median its own 10-year median of 36.20. 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 €15.48, compared to a current price of €21.20 — trading 37% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 32.90%, which is near median its 10-year median of 36.20 and 261.5% above the Credit Services industry median of 9.10. Generalfinance SpA's overall GF Score™ is 79/100 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 EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Generalfinance SpA (MIL:GF), the current 3-Year EBITDA Growth Rate is 32.90% as of Mar. 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 €21.20 is trading 37% above its estimated GF Value™ of €15.48.
GuruFocus considers Generalfinance SpA to be Significantly Overvalued.
Key valuation signals for MIL:GF:
3-Year EBITDA Growth Rate: 32.90% (near median its 10-year median of 36.20)
GF Value™: €15.48 vs. price of €21.20 (37% above fair value)
Industry Position: 261.5% above the Credit Services median (#81 of 319)
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.
79GF Score
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