Generalfinance SpAMIL:GF +1.78%75 OCF Margin % is 76.53% as of Mar. 2026, which is 181% above its 10-year median of 27.27. 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 73.63% on this metric.
The historical rank and industry rank for Generalfinance SpA's OCF Margin % or its related term are showing as below:
MIL:GF'
s OCF Margin % Range Over the Past 10 Years
Min: -25.05 Med: 27.27 Max: 137.91
Current: 39.19
During the past 8 years, the highest OCF Margin % of Generalfinance SpA was 137.91%. The lowest was -25.05%. And the median was 27.27%.
MIL:GF's OCF Margin % is ranked better than 73.63% of 531
companies
in the Credit Services industry
Industry Median: 2.55
vs MIL:GF: 39.19
Generalfinance SpA OCF Margin % Related Terms
Generalfinance SpA OCF Margin % Historical Data
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The historical data trend for Generalfinance SpA's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Generalfinance SpA's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Generalfinance SpA's OCF 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 OCF Margin % of 76.53% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Generalfinance SpA and its competitors. This is 181% above median its historical median of 27.27. According to the industry distribution chart, Generalfinance SpA ranks #140 out of 531 companies in the Credit Services industry, placing it in the top 26.4%.
Is Generalfinance SpA's OCF Margin % too high?
Generalfinance SpA's current OCF Margin % of 76.53% is 181% above median its 10-year median of 27.27. The Credit Services industry median OCF Margin % is 2.55. Generalfinance SpA's value of 76.53% is 2901.2% above this industry median. Based on the distribution chart, Generalfinance SpA ranks #140 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 OCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Generalfinance SpA ranks #140 out of 531 companies for OCF Margin %. This puts Generalfinance SpA in the upper half of its industry. The industry median OCF Margin % is 2.55. Generalfinance SpA's value of 76.53% is 2901.2% above this benchmark. While the company's 10-year median is 27.27 vs. the industry median of 2.55, 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 OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.55, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Generalfinance SpA's current OCF Margin % of 76.53% is 2901.2% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Generalfinance SpA and its competitors. For the Credit Services industry, the median OCF Margin % is 2.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generalfinance SpA's current OCF Margin % is 76.53%, which is 181% above median its own 10-year median of 27.27. 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 OCF Margin % is 76.53%, which is 181% above median its 10-year median of 27.27 and 2901.2% above the Credit Services industry median of 2.55. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Generalfinance SpA (MIL:GF), the current OCF Margin % is 76.53% 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:
OCF Margin %: 76.53% (181% above median its 10-year median of 27.27)
GF Value™: €16.21 vs. price of €28.60 (76.4% above fair value)
Industry Position: 2901.2% above the Credit Services median (#140 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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