Generalfinance S.p.A. (BIT:GF)
Italy
· Delayed Price · Currency is EUR 20.40
-0.30 (-1.45%)
At close: Dec 5, 2025
Generalfinance Income Statement
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 |
| Interest and Dividend Income | 45.13 | 39.79 | 30.59 | 14.01 | 9.2 | 5.72 | Upgrade
|
| Total Interest Expense | 27.36 | 27.31 | 21.61 | 6.75 | 2.97 | 1.63 | Upgrade
|
| Net Interest Income | 17.77 | 12.47 | 8.98 | 7.27 | 6.23 | 4.09 | Upgrade
|
| Commissions and Fees | 54.43 | 41.15 | 31.71 | 27.43 | 20.8 | 14.75 | Upgrade
|
| Gain (Loss) on Sale of Investments | -0.04 | -0.03 | -0 | 0 | 0 | -0 | Upgrade
|
| Other Revenue | -0 | -0 | 0 | -0 | -0 | -0 | Upgrade
|
| Revenue Before Loan Losses | 72.16 | 53.59 | 40.69 | 34.69 | 27.03 | 18.84 | Upgrade
|
| Provision for Loan Losses | 3.13 | 1.17 | 1.26 | 1.21 | 0.22 | 0.71 | Upgrade
|
| Revenue | 69.03 | 52.42 | 39.43 | 33.49 | 26.82 | 18.13 | Upgrade
|
| Revenue Growth (YoY) | 51.82% | 32.97% | 17.73% | 24.88% | 47.94% | 23.95% | Upgrade
|
| Salaries & Employee Benefits | 10.29 | 9.1 | 7.2 | 6.75 | 5.24 | 4.27 | Upgrade
|
| Cost of Services Provided | 15.33 | 11.68 | 11.01 | 9.99 | 6.44 | 4.49 | Upgrade
|
| Other Operating Expenses | -0.67 | -1.19 | -0.52 | -0.2 | -0.22 | -0.49 | Upgrade
|
| Total Operating Expenses | 26.78 | 21.21 | 18.93 | 17.61 | 12.39 | 9.13 | Upgrade
|
| Operating Income | 42.25 | 31.22 | 20.49 | 15.87 | 14.42 | 9 | Upgrade
|
| EBT Excluding Unusual Items | 42.25 | 31.22 | 20.49 | 15.87 | 14.42 | 9 | Upgrade
|
| Gain (Loss) on Sale of Investments | -0.04 | -0.07 | - | - | - | - | Upgrade
|
| Other Unusual Items | 0.35 | 0.35 | 1.13 | 0.07 | -0.54 | -0.08 | Upgrade
|
| Pretax Income | 42.6 | 31.54 | 22 | 16.47 | 13.93 | 8.11 | Upgrade
|
| Income Tax Expense | 14.1 | 10.44 | 6.93 | 5.58 | 4.47 | 2.78 | Upgrade
|
| Net Income | 28.5 | 21.1 | 15.07 | 10.89 | 9.45 | 5.33 | Upgrade
|
| Net Income to Common | 28.5 | 21.1 | 15.07 | 10.89 | 9.45 | 5.33 | Upgrade
|
| Net Income Growth | 58.54% | 40.03% | 38.42% | 15.15% | 77.43% | 27.24% | Upgrade
|
| Shares Outstanding (Basic) | 13 | 13 | 13 | 11 | 10 | 10 | Upgrade
|
| Shares Outstanding (Diluted) | 13 | 13 | 13 | 11 | 10 | 10 | Upgrade
|
| Shares Change (YoY) | - | - | 12.31% | 14.48% | - | - | Upgrade
|
| EPS (Basic) | 2.26 | 1.67 | 1.19 | 0.97 | 0.96 | 0.54 | Upgrade
|
| EPS (Diluted) | 2.26 | 1.67 | 1.19 | 0.97 | 0.96 | 0.54 | Upgrade
|
| EPS Growth | 58.54% | 40.03% | 23.25% | 0.58% | 77.43% | - | Upgrade
|
| Free Cash Flow | 36.73 | 109.06 | -15.78 | -2.11 | 10.38 | 9.99 | Upgrade
|
| Free Cash Flow Per Share | 2.91 | 8.63 | -1.25 | -0.19 | 1.06 | 1.02 | Upgrade
|
| Dividend Per Share | 0.830 | 0.830 | 0.590 | 0.430 | - | - | Upgrade
|
| Dividend Growth | 40.68% | 40.68% | 37.21% | - | - | - | Upgrade
|
| Operating Margin | 61.21% | 59.55% | 51.98% | 47.40% | 53.79% | 49.65% | Upgrade
|
| Profit Margin | 41.29% | 40.25% | 38.22% | 32.51% | 35.25% | 29.39% | Upgrade
|
| Free Cash Flow Margin | 53.21% | 208.03% | -40.02% | -6.30% | 38.72% | 55.09% | Upgrade
|
| Effective Tax Rate | 33.09% | 33.11% | 31.52% | 33.91% | 32.12% | 34.30% | Upgrade
|
Source: S&P Capital IQ. Financial Services template. Financial Sources.