Finanza.tech SpA (MIL:FTC) EBITDA: €-0.58 Mil (TTM As of Dec. 2025)


MIL:FTC Finanza.tech SpA MIL:FTC
33 GF Score
Price €0.21
GF Value €0.26
Valuation Modestly Undervalued
! 8 Warning Signs
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What is Finanza.tech SpA EBITDA?

Finanza.tech SpA MIL:FTC -5.41% 33 EBITDA is €-0.58 Mil as of Dec. 2025. GuruFocus rates MIL:FTC with a GF Score™ of 33/100 and a GF Value™ of €0.26 (Modestly Undervalued). The stock has 8 warning signs investors should review.

Finanza.tech SpA's EBITDA for the six months ended in Dec. 2025 was €0.77 Mil. Its EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was €-0.58 Mil.

During the past 12 months, the average EBITDA Growth Rate of Finanza.tech SpA was -134.40% 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 EBITDA Growth Rate using EBITDA data.

During the past 7 years, the highest 3-Year average EBITDA Growth Rate of Finanza.tech SpA was 56.80% per year. The lowest was -24.00% per year. And the median was 11.60% per year.

Finanza.tech SpA's EBITDA per Share for the six months ended in Dec. 2025 was €0.06. Its EBITDA per share for the trailing twelve months (TTM) ended in Dec. 2025 was €-0.04.

During the past 12 months, the average EBITDA per Share Growth Rate of Finanza.tech SpA was -134.10% 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 EBITDA per share growth rate using EBITDA per Share data.

During the past 7 years, the highest 3-Year average EBITDA per Share Growth Rate of Finanza.tech SpA was 56.00% per year. The lowest was -24.60% per year. And the median was 10.70% per year.

Finanza.tech SpA  (MIL:FTC) EBITDA Explanation

EBITDA is a cash flow measure that ignores changes in working capital. EBITDA minus Depreciation, and Amortization (DA) equals Operating Income. Operating Income is profit before interest and taxes. Of course, Interest and taxes need to be paid.

While depreciation and amortization expenses do not need to be paid in cash, assets - especially tangible assets - do need to be replaced over time. EBITDA is not a measure of profit in any sense. EBITDA is a measure of cash generation by a business where the uses of that cash may be more or less discretionary depending on the nature of the business.

The EBITDA of a TV station is largely discretionary. Owners may use much of the EBITDA generated by a TV station as they see fit. The EBITDA of a railroad is largely non-discretionary. Owners must use much of the EBITDA generated by a railroad to replace the physical assets of the railroad or the business will literally fall apart over time.

EBITDA can be thought of as the cash a business generates that is available to:

Add more inventory
Add more receivables
Replace property, plant, and equipment
Add more property, plant, and equipment
Pay interest
Pay taxes
And finally: pay owners

EBITDA is widely used in financial analysis because Depreciation and Amortization are not present day cash expenses.. Depreciation and amortization are the spreading out of the costs of assets over the time in which those assets provide benefits. Today's depreciation and amortization expenses relate to assets bought in the past. The assets being expensed may or may not need to be replaced in the future. And the cost to replace the assets may be more or less than it was in the past. For this reason, the depreciation and amortization expenses a company records in the present year may have no relationship to the actual cash costs needed to maintain its assets in future years.

A company's depreciation expense depends on both its expectations about the assets it owns and its choice of accounting methods. Two companies owning identical assets may have different depreciation expenses because they have different expectations about the useful lives of those assets and because they make different accounting choices.

Analysts use EBITDA to remove this element of personal choice from a company's accounting statements. The use of EBITDA is an attempt to make the results of different companies more comparable and uniform.


Be Aware

Although depreciation is not a cash cost it is a real business cost because the company has to pay for the fixed assets when they purchase them. Both Warren Buffett and Charlie Munger hate the idea of EBITDA because in this calculation, depreciation is not counted as an expense.

EBITDA over Revenue is a good metric for comparing the operating efficiencies between companies because EBITDA is less vulnerable to companies' accounting choices. For this reason, EBITDA is used in ranking the Predictability of Companies. Also Price-to-EBITDA is sometimes used in valuations.


Finanza.tech SpA EBITDA Related Terms


Finanza.tech SpA EBITDA Historical Data

* Premium members only.

The historical data trend for Finanza.tech SpA's EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Finanza.tech SpA EBITDA Chart

Finanza.tech SpA Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBITDA
Get a 7-Day Free Trial 1.22 0.20 1.96 1.70 -0.58

Finanza.tech SpA Semi-Annual Data
Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.33 1.63 0.69 -1.36 0.77

MIL:FTC vs VRSK, EFX, BAH: EBITDA Comparison

For the Consulting Services subindustry, Finanza.tech SpA's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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.


Finanza.tech SpA EV-to-EBITDA vs Business Services Industry

For the Business Services industry and Industrials sector, Finanza.tech SpA's EV-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Finanza.tech SpA's EV-to-EBITDA falls into.


MIL:FTC
33GF Score
Finanza.tech SpA MIL:FTC
EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.

Finanza.tech SpA's EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Finanza.tech SpA's EBITDA was directly provided by GuruFocus' data source Morningstar. For the fiscal year ended in Dec. 2025, Finanza.tech SpA's EBITDA was €-0.58 Mil.

Finanza.tech SpA's EBITDA for the quarter that ended in Dec. 2025 is calculated as

Finanza.tech SpA's EBITDA was directly provided by GuruFocus' data source Morningstar. For the quarter ended in Dec. 2025, Finanza.tech SpA's EBITDA was €0.77 Mil.

EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was €-0.58 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Sometimes companies may have already deducted Depreciation and Amortization from Gross Profit. In this case Depreciation and Amortization needs to be added back when calculating EBITDA.

Frequently Asked Questions Learn more about EBITDA →
What does a EBITDA of €-0.58 Mil mean?
Finanza.tech SpA (MIL:FTC) has a EBITDA of €-0.58 Mil as of Dec. 2025. Ebitda is the difference between operating revenue and operating expenses not including depreciation and amortization. View historical data on Finanza.tech SpA.
Is Finanza.tech SpA's EBITDA too high?
Finanza.tech SpA's current EBITDA is €-0.58 Mil. Overall, Finanza.tech SpA has a GF Score™ of 33/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Finanza.tech SpA's EBITDA compare to VRSK and EFX?
Finanza.tech SpA's EBITDA of €-0.58 Mil can be compared against companies in the Business Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA for a Business Services company?
A good EBITDA depends on the Business Services industry context. However, EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA mean?
A high EBITDA can signal that a stock is expensive relative to its fundamentals. Ebitda is the difference between operating revenue and operating expenses not including depreciation and amortization. View historical data on Finanza.tech SpA. Finanza.tech SpA's current EBITDA is €-0.58 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finanza.tech SpA stock overvalued right now?
Based on GuruFocus' analysis, Finanza.tech SpA (MIL:FTC) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.26, compared to a current price of €0.21 — trading 19.2% below its estimated fair value. The current EBITDA is €-0.58 Mil. Finanza.tech SpA's overall GF Score™ is 33/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA calculated?
EBITDA is calculated from a company's financial statements. For Finanza.tech SpA (MIL:FTC), the current EBITDA is €-0.58 Mil as of Dec. 2025. 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 Finanza.tech SpA (MIL:FTC) Overvalued in 2026?

Based on GuruFocus' analysis, Finanza.tech SpA stock appears to be undervalued. The current stock price of €0.21 is trading 19.2% below its estimated GF Value™ of €0.26. GuruFocus considers Finanza.tech SpA to be Modestly Undervalued.

Key valuation signals for MIL:FTC:

  • EBITDA: €-0.58 Mil
  • GF Value™: €0.26 vs. price of €0.21 (19.2% below fair value)
  • GF Score™: 33/100 with 8 warning signs

No single metric tells the full story. See the MIL:FTC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Finanza.tech SpA Business Description

Address Via Santa Maria Fulcorina, 19, Milan, ITA, 20123
Finanza.tech SpA is a fintech operator. It provides consultancy activities in extraordinary finance operations and support for ordinary corporate financial management.
33GF Score

Get the complete analysis for MIL:FTC

EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.21
Price
€0.26
GF Value