Generalfinance SpAMIL:GF +1.78%75 FCF Margin % is 71.17% as of Mar. 2026, which is 210% above its 10-year median of 22.97. GuruFocus rates MIL:GF with a GF Score™ of 75/100 and a GF Value™ of €16.21 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 531 Credit Services companies, Generalfinance SpA ranks better than 73.45% on this metric.
The historical rank and industry rank for Generalfinance SpA's FCF Margin % or its related term are showing as below:
MIL:GF'
s FCF Margin % Range Over the Past 10 Years
Min: -26.73 Med: 22.97 Max: 133.9
Current: 36.22
During the past 8 years, the highest FCF Margin % of Generalfinance SpA was 133.90%. The lowest was -26.73%. And the median was 22.97%.
MIL:GF's FCF Margin % is ranked better than 73.45% of 531
companies
in the Credit Services industry
Industry Median: 0.24
vs MIL:GF: 36.22
Generalfinance SpA FCF Margin % Related Terms
Generalfinance SpA FCF Margin % Historical Data
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The historical data trend for Generalfinance SpA's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Generalfinance SpA's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Generalfinance SpA's FCF Margin % falls into.
* 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 FCF Margin % of 71.17% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Generalfinance SpA and its competitors. This is 210% above median its historical median of 22.97. According to the industry distribution chart, Generalfinance SpA ranks #141 out of 531 companies in the Credit Services industry, placing it in the top 26.6%.
Is Generalfinance SpA's FCF Margin % too high?
Generalfinance SpA's current FCF Margin % of 71.17% is 210% above median its 10-year median of 22.97. The Credit Services industry median FCF Margin % is 0.24. Generalfinance SpA's value of 71.17% is 29554.2% above this industry median. Based on the distribution chart, Generalfinance SpA ranks #141 out of 531 companies in the Credit Services industry, which is above the industry midpoint. Overall, Generalfinance SpA has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Generalfinance SpA's FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Generalfinance SpA ranks #141 out of 531 companies for FCF Margin %. This puts Generalfinance SpA in the upper half of its industry. The industry median FCF Margin % is 0.24. Generalfinance SpA's value of 71.17% is 29554.2% above this benchmark. While the company's 10-year median is 22.97 vs. the industry median of 0.24, 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Generalfinance SpA's current FCF Margin % of 71.17% is 29554.2% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Generalfinance SpA and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generalfinance SpA's current FCF Margin % is 71.17%, which is 210% above median its own 10-year median of 22.97. 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 €16.21, compared to a current price of €28.60 — trading 76.4% above its estimated fair value. The current FCF Margin % is 71.17%, which is 210% above median its 10-year median of 22.97 and 29554.2% above the Credit Services industry median of 0.24. Generalfinance SpA's overall GF Score™ is 75/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Generalfinance SpA (MIL:GF), the current FCF Margin % is 71.17% 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 €28.60 is trading 76.4% above its estimated GF Value™ of €16.21.
GuruFocus considers Generalfinance SpA to be Significantly Overvalued.
Key valuation signals for MIL:GF:
FCF Margin %: 71.17% (210% above median its 10-year median of 22.97)
GF Value™: €16.21 vs. price of €28.60 (76.4% above fair value)
Industry Position: 29554.2% above the Credit Services median (#141 of 531)
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.
75GF Score
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