Generalfinance SpA (MIL:GF) 3-Year RORE % : 23.71% (As of Mar. 2026)


MIL:GF Generalfinance SpA MIL:GF
70 GF Score
Price €29.20
GF Value €16.04
Valuation Significantly Overvalued
! 9 Warning Signs
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What is Generalfinance SpA 3-Year RORE %?

Generalfinance SpA MIL:GF -2.01% 70 3-Year RORE % is 23.71 as of Mar. 2026. GuruFocus rates MIL:GF with a GF Score™ of 70/100 and a GF Value™ of €16.04 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 518 Credit Services companies, Generalfinance SpA ranks better than 69.31% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. Generalfinance SpA's 3-Year RORE % for the quarter that ended in Mar. 2026 was 23.71%.

The industry rank for Generalfinance SpA's 3-Year RORE % or its related term are showing as below:

MIL:GF's 3-Year RORE % is ranked better than
69.31% of 518 companies
in the Credit Services industry
Industry Median: 8.58 vs MIL:GF: 23.71

Generalfinance SpA  (MIL:GF) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


Generalfinance SpA 3-Year RORE % Related Terms


Generalfinance SpA 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Generalfinance SpA's 3-Year RORE % 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 3-Year RORE % Chart

Generalfinance SpA Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial 27.78 25.61 18.73 29.87 33.12

Generalfinance SpA Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 28.33 41.27 42.57 33.12 23.71

MIL:GF vs V, MA, AXP: 3-Year RORE % Comparison

For the Credit Services subindustry, Generalfinance SpA's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Generalfinance SpA's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where Generalfinance SpA's 3-Year RORE % falls into.


MIL:GF
70GF Score
Generalfinance SpA MIL:GF
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Generalfinance SpA 3-Year RORE % Calculation

Generalfinance SpA's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 2.263-1.342 )/( 5.302-1.418 )
=0.921/3.884
=23.71 %

* 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 23.71 mean?
Generalfinance SpA (MIL:GF) has a 3-Year RORE % of 23.71 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Generalfinance SpA and its competitors. According to the industry distribution chart, Generalfinance SpA ranks #159 out of 518 companies in the Credit Services industry, placing it in the top 30.7%.
Is Generalfinance SpA's 3-Year RORE % too high?
Generalfinance SpA's current 3-Year RORE % is 23.71. The Credit Services industry median 3-Year RORE % is 8.58. Generalfinance SpA's value of 23.71 is 176.3% above this industry median. Based on the distribution chart, Generalfinance SpA ranks #159 out of 518 companies in the Credit Services industry, which is above the industry midpoint. Overall, Generalfinance SpA has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Generalfinance SpA's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Generalfinance SpA ranks #159 out of 518 companies for 3-Year RORE %. This puts Generalfinance SpA in the upper half of its industry. The industry median 3-Year RORE % is 8.58. Generalfinance SpA's value of 23.71 is 176.3% 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 3-Year RORE % for a Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.58, based on 518 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Generalfinance SpA's current 3-Year RORE % of 23.71 is 176.3% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Generalfinance SpA and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generalfinance SpA's current 3-Year RORE % is 23.71. 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 €16.04, compared to a current price of €29.20 — trading 82% above its estimated fair value. The current 3-Year RORE % is 23.71 and 176.3% above the Credit Services industry median of 8.58. Generalfinance SpA's overall GF Score™ is 70/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Generalfinance SpA (MIL:GF), the current 3-Year RORE % is 23.71 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 €29.20 is trading 82% above its estimated GF Value™ of €16.04. GuruFocus considers Generalfinance SpA to be Significantly Overvalued.

Key valuation signals for MIL:GF:

  • 3-Year RORE %: 23.71
  • GF Value™: €16.04 vs. price of €29.20 (82% above fair value)
  • GF Score™: 70/100 with 9 warning signs
  • Industry Position: 176.3% above the Credit Services median (#159 of 518)

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

Other Exchanges VG30:Germany
Address Via Carso no. 36, Via Piave no.22, Biella, ITA, 13900
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.
70GF Score

Get the complete analysis for MIL:GF

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

€29.20
Price
€16.04
GF Value