Generalfinance SpA (MIL:GF) ROCE %: 5.32% (As of Mar. 2026)

What is Generalfinance SpA ROCE %?

Generalfinance SpA MIL:GF +1.78% 75 ROCE % is 5.32% as of Mar. 2026. 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.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Generalfinance SpA's annualized ROCE % for the quarter that ended in Mar. 2026 was 5.32%.

Generalfinance SpA (MIL:GF) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Generalfinance SpA ROCE % Related Terms

Generalfinance SpA ROCE % Historical Data

* Premium members only.

The historical data trend for Generalfinance SpA's ROCE % 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.

Generalfinance SpA ROCE % Chart

Generalfinance SpA Annual Data

Trend

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

ROCE %

Get a 7-Day Free Trial

5.48

4.74

5.09

5.50

6.22

Generalfinance SpA Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
ROCE %	Get a 7-Day Free Trial															5.95	6.66	8.34	5.04	5.32

75GF Score

Generalfinance SpA MIL:GF

ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

Generalfinance SpA ROCE % Calculation

Generalfinance SpA's annualized ROCE % for the fiscal year that ended in Dec. 2025 is calculated as:

ROCE %	=	EBIT	/	( (Capital Employed	+	Capital Employed)	/ count )
		(A: Dec. 2025 )		(A: Dec. 2024 )		(A: Dec. 2025 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(A: Dec. 2025 )		(A: Dec. 2024 )		(A: Dec. 2025 )
	=	46.456	/	( ( (769.705 - 52.141)	+	(842.137 - 67.095) )	/ 2 )
	=	46.456	/	( (717.564	+	775.042)	/ 2 )
	=	46.456	/	746.303
	=	6.22 %

Generalfinance SpA's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %	=	EBIT ⁽¹⁾	/	( (Capital Employed	+	Capital Employed)	/ count )
		(Q: Mar. 2026 )		(Q: Dec. 2025 )		(Q: Mar. 2026 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(Q: Mar. 2026 )		(Q: Dec. 2025 )		(Q: Mar. 2026 )
	=	40.876	/	( ( (842.137 - 67.095)	+	(779.142 - 17.815) )	/ 2 )
	=	40.876	/	( ( 775.042	+	761.327 )	/ 2 )
	=	40.876	/	768.1845
	=	5.32 %

(1) Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

Frequently Asked Questions Learn more about ROCE % →

What does a ROCE % of 5.32% mean?

Generalfinance SpA (MIL:GF) has a ROCE % of 5.32% as of Mar. 2026.

Is Generalfinance SpA's ROCE % too high?

Generalfinance SpA's current ROCE % is 5.32%. The Credit Services industry median ROCE % is 3.39. Generalfinance SpA's value of 5.32% is 56.9% above this industry median. 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 ROCE % compare to V and MA?

Generalfinance SpA's ROCE % of 5.32% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.39. Generalfinance SpA's value of 5.32% is 56.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROCE % for a Credit Services company?

The median ROCE % among Credit Services companies is 3.39, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Generalfinance SpA's current ROCE % of 5.32% is 56.9% 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 ROCE % mean?

A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generalfinance SpA's current ROCE % is 5.32%. 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 ROCE % is 5.32% and 56.9% above the Credit Services industry median of 3.39. 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 ROCE % calculated?

ROCE % is calculated from a company's financial statements. For Generalfinance SpA (MIL:GF), the current ROCE % is 5.32% 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:

ROCE %: 5.32%
GF Value™: €16.21 vs. price of €28.60 (76.4% above fair value)
GF Score™: 75/100 with 5 warning signs
Industry Position: 56.9% above the Credit Services median

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 Business Description

Industry Financial Services Credit Services

Comparable Companies MIL:BFF MIL:KK MIL:ISC MIL:PFI MIL:MOL V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI BOM:532810 BOM:533398 NSE:CHOLAFIN NSE:TATACAP BOM:543257

Other Exchanges VG30:Germany

Address Via Carso no. 36, Via Piave no.22, Biella, ITA, 13900

Website https://www.generalfinance.it

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

Get the complete analysis for MIL:GF

ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€28.60

Price

€16.21

GF Value

View MIL:GF Analysis

See ROCE % data for all stocks →