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Generalfinance SpAMIL:GF -1.45%81 EV-to-EBIT is 16.62 as of Jul. 20, 2026, which is 7% below its 10-year median of 17.94. GuruFocus rates MIL:GF with a GF Score™ of 81/100 and a GF Value™ of €15.78 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 312 Credit Services companies, Generalfinance SpA ranks better than 58.97% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Generalfinance SpA's Enterprise Value for the quarter that ended in Mar. 2026 was €761.9 Mil.
Generalfinance SpA's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €46.4 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.
Generalfinance SpA EV-to-EBIT Related Terms
Generalfinance SpA EV-to-EBIT Historical Data
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The historical data trend for Generalfinance SpA's EV-to-EBIT 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.
For the Credit Services subindustry, Generalfinance SpA's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Generalfinance SpA's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where Generalfinance SpA's EV-to-EBIT falls into.
Generalfinance SpA's current Enterprise Value is €770.8 Mil.
Generalfinance SpA's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €46.4 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.
Generalfinance SpA (MIL:GF) has a EV-to-EBIT of 16.62 as of Jul. 20, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Generalfinance SpA and its competitors. This is near median its historical median of 17.94. Over the past decade, Generalfinance SpA's EV-to-EBIT has ranged from 12.59 to 22.59. According to the industry distribution chart, Generalfinance SpA ranks #128 out of 312 companies in the Credit Services industry, placing it in the top 41%.
Is Generalfinance SpA's EV-to-EBIT too high?
Generalfinance SpA's current EV-to-EBIT of 16.62 is near median its 10-year median of 17.94. Over the past 10 years, this metric has ranged from a low of 12.59 to a high of 22.59. The Credit Services industry median EV-to-EBIT is 23.66. Generalfinance SpA's value of 16.62 is 29.8% below this industry median. Based on the distribution chart, Generalfinance SpA ranks #128 out of 312 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 EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, Generalfinance SpA ranks #128 out of 312 companies for EV-to-EBIT. This puts Generalfinance SpA in the upper half of its industry. The industry median EV-to-EBIT is 23.66. Generalfinance SpA's value of 16.62 is 29.8% below this benchmark. Historically, Generalfinance SpA's own EV-to-EBIT has ranged from 12.59 to 22.59 over the past decade. While the company's 10-year median is 17.94 vs. the industry median of 23.66, Generalfinance SpA has consistently been below 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 23.66, based on 312 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Generalfinance SpA's current EV-to-EBIT of 16.62 is 29.8% below 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Generalfinance SpA and its competitors. For the Credit Services industry, the median EV-to-EBIT is 23.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generalfinance SpA's current EV-to-EBIT is 16.62, which is near median its own 10-year median of 17.94. 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 €27.20 — trading 72.4% above its estimated fair value. The current EV-to-EBIT is 16.62, which is near median its 10-year median of 17.94 and 29.8% below the Credit Services industry median of 23.66. 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 EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Generalfinance SpA (MIL:GF), the current EV-to-EBIT is 16.62 as of Jul. 20, 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 €27.20 is trading 72.4% above its estimated GF Value™ of €15.78.
GuruFocus considers Generalfinance SpA to be Significantly Overvalued.
Key valuation signals for MIL:GF:
EV-to-EBIT: 16.62 (near median its 10-year median of 17.94)
GF Value™: €15.78 vs. price of €27.20 (72.4% above fair value)
Industry Position: 29.8% below the Credit Services median (#128 of 312)
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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