Generalfinance SpAMIL:GF +1.78%75 ROE % is 20.29% as of Mar. 2026, which is 19% below its 10-year median of 24.98. 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 529 Credit Services companies, Generalfinance SpA ranks better than 93.57% on this metric.
The historical rank and industry rank for Generalfinance SpA's ROE % or its related term are showing as below:
MIL:GF'
s ROE % Range Over the Past 10 Years
Min: 17.52 Med: 24.98 Max: 34.67
Current: 31.08
During the past 8 years, Generalfinance SpA's highest ROE % was 34.67%. The lowest was 17.52%. And the median was 24.98%.
MIL:GF's ROE % is ranked better than 93.57% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs MIL:GF: 31.08
Generalfinance SpA (MIL:GF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Generalfinance SpA ROE % Related Terms
Generalfinance SpA ROE % Historical Data
* Premium members only.
The historical data trend for Generalfinance SpA's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Generalfinance SpA's ROE % distribution charts can be found below:
* The bar in red indicates where Generalfinance SpA's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Generalfinance SpA (MIL:GF) has a ROE % of 20.29% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Generalfinance SpA and its competitors. This is 19% below median its historical median of 24.98. Over the past decade, Generalfinance SpA's ROE % has ranged from 17.52 to 34.67. According to the industry distribution chart, Generalfinance SpA ranks #34 out of 529 companies in the Credit Services industry, placing it in the top 6.4%.
Is Generalfinance SpA's ROE % too high?
Generalfinance SpA's current ROE % of 20.29% is 19% below median its 10-year median of 24.98. Over the past 10 years, this metric has ranged from a low of 17.52 to a high of 34.67. The Credit Services industry median ROE % is 6.61. Generalfinance SpA's value of 20.29% is 207% above this industry median. Based on the distribution chart, Generalfinance SpA ranks #34 out of 529 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Generalfinance SpA ranks #34 out of 529 companies for ROE %. This places Generalfinance SpA in the top 6% of its industry — outperforming the majority of peers. The industry median ROE % is 6.61. Generalfinance SpA's value of 20.29% is 207% above this benchmark. Historically, Generalfinance SpA's own ROE % has ranged from 17.52 to 34.67 over the past decade. While the company's 10-year median is 24.98 vs. the industry median of 6.61, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Generalfinance SpA's current ROE % of 20.29% is 207% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Generalfinance SpA and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generalfinance SpA's current ROE % is 20.29%, which is 19% below median its own 10-year median of 24.98. 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 ROE % is 20.29%, which is 19% below median its 10-year median of 24.98 and 207% above the Credit Services industry median of 6.61. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Generalfinance SpA (MIL:GF), the current ROE % is 20.29% 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:
ROE %: 20.29% (19% below median its 10-year median of 24.98)
GF Value™: €16.21 vs. price of €28.60 (76.4% above fair value)
Industry Position: 207% above the Credit Services median (#34 of 529)
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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