Generalfinance SpAMIL:GF +1.78%75 Gross Margin % is 57.58% as of Mar. 2026, which is 6% below its 10-year median of 61.36. 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 388 Credit Services companies, Generalfinance SpA ranks better than 61.34% on this metric.
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Generalfinance SpA had a gross margin of 57.58% for the quarter that ended in Mar. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Generalfinance SpA Gross Margin % Related Terms
Generalfinance SpA Gross Margin % Historical Data
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The historical data trend for Generalfinance SpA's Gross 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 Gross Margin %, along with its competitors' market caps and Gross 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Generalfinance SpA's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Generalfinance SpA's Gross 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Generalfinance SpA (MIL:GF) has a Gross Margin % of 57.58% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Generalfinance SpA and its competitors. This is near median its historical median of 61.36. Over the past decade, Generalfinance SpA's Gross Margin % has ranged from 51.76 to 71.13. According to the industry distribution chart, Generalfinance SpA ranks #150 out of 388 companies in the Credit Services industry, placing it in the top 38.7%.
Is Generalfinance SpA's Gross Margin % too high?
Generalfinance SpA's current Gross Margin % of 57.58% is near median its 10-year median of 61.36. Over the past 10 years, this metric has ranged from a low of 51.76 to a high of 71.13. The Credit Services industry median Gross Margin % is 51.85. Generalfinance SpA's value of 57.58% is 11.1% above this industry median. Based on the distribution chart, Generalfinance SpA ranks #150 out of 388 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 Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Generalfinance SpA ranks #150 out of 388 companies for Gross Margin %. This puts Generalfinance SpA in the upper half of its industry. The industry median Gross Margin % is 51.85. Generalfinance SpA's value of 57.58% is 11.1% above this benchmark. Historically, Generalfinance SpA's own Gross Margin % has ranged from 51.76 to 71.13 over the past decade. While the company's 10-year median is 61.36 vs. the industry median of 51.85, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.85, based on 388 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Generalfinance SpA's current Gross Margin % of 57.58% is 11.1% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Generalfinance SpA and its competitors. For the Credit Services industry, the median Gross Margin % is 51.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generalfinance SpA's current Gross Margin % is 57.58%, which is near median its own 10-year median of 61.36. 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 Gross Margin % is 57.58%, which is near median its 10-year median of 61.36 and 11.1% above the Credit Services industry median of 51.85. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Generalfinance SpA (MIL:GF), the current Gross Margin % is 57.58% 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:
Gross Margin %: 57.58% (near median its 10-year median of 61.36)
GF Value™: €16.21 vs. price of €28.60 (76.4% above fair value)
Industry Position: 11.1% above the Credit Services median (#150 of 388)
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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