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Generalfinance SpAMIL:GF -10.86%74 EV-to-OCF is 18.57 as of Jul. 30, 2026, which is 19% above its 10-year median of 15.59. GuruFocus rates MIL:GF with a GF Score™ of 74/100 and a GF Value™ of €15.66 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 544 Credit Services companies, Generalfinance SpA ranks worse than 79.78% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Generalfinance SpA's Enterprise Value is €727.8 Mil.
Generalfinance SpA's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was €39.2 Mil. Therefore, Generalfinance SpA's EV-to-OCF for today is 18.57.
The historical rank and industry rank for Generalfinance SpA's EV-to-OCF or its related term are showing as below:
MIL:GF'
s EV-to-OCF Range Over the Past 10 Years
Min: -531.75 Med: 15.59 Max: 303.42
Current: 19.5
During the past 8 years, the highest EV-to-OCF of Generalfinance SpA was 303.42. The lowest was -531.75. And the median was 15.59.
MIL:GF's EV-to-OCF is ranked worse than 79.78% of 544
companies
in the Credit Services industry
Industry Median: -0.62
vs MIL:GF: 19.50
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Generalfinance SpA's PE Ratio (TTM) for today is calculated as:
Generalfinance SpA's share price for today is €23.80.
Generalfinance SpA's Earnings per Share (Diluted) 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 €2.063.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Generalfinance SpA EV-to-OCF Related Terms
Generalfinance SpA EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Generalfinance SpA's EV-to-OCF 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Generalfinance SpA's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Generalfinance SpA's EV-to-OCF falls into.
Generalfinance SpA's current Enterprise Value is €727.8 Mil.
Generalfinance SpA's Cash Flow from Operations 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 €39.2 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-OCF of 18.57 as of Jul. 30, 2026. This is 19% above median its historical median of 15.59. According to the industry distribution chart, Generalfinance SpA ranks #434 out of 544 companies in the Credit Services industry, placing it in the top 79.8%.
Is Generalfinance SpA's EV-to-OCF too high?
Generalfinance SpA's current EV-to-OCF of 18.57 is 19% above median its 10-year median of 15.59. Based on the distribution chart, Generalfinance SpA ranks #434 out of 544 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Generalfinance SpA has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Generalfinance SpA's EV-to-OCF compare to V and MA?
According to the Credit Services industry distribution chart, Generalfinance SpA ranks #434 out of 544 companies for EV-to-OCF. This places Generalfinance SpA in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Generalfinance SpA's current EV-to-OCF is 18.57, which is 19% above median its own 10-year median of 15.59. 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 €15.66, compared to a current price of €23.80 — trading 52% above its estimated fair value. The current EV-to-OCF is 18.57, which is 19% above median its 10-year median of 15.59. Generalfinance SpA's overall GF Score™ is 74/100 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-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Generalfinance SpA (MIL:GF), the current EV-to-OCF is 18.57 as of Jul. 30, 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 €23.80 is trading 52% above its estimated GF Value™ of €15.66.
GuruFocus considers Generalfinance SpA to be Significantly Overvalued.
Key valuation signals for MIL:GF:
EV-to-OCF: 18.57 (19% above median its 10-year median of 15.59)
GF Value™: €15.66 vs. price of €23.80 (52% above fair value)
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.
74GF Score
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