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"banca Finnat Euramerica S.p.a." E, IN Forma Abbreviata "banca Finnat S.p.a." O Anche "banca Euramerica S.p.a." financial health, profit and balance sheet · Scorvest

Italy

"banca Finnat Euramerica S.p.a." E, IN Forma Abbreviata "banca Finnat S.p.a." O Anche "banca Euramerica S.p.a."

Fiscal year ends in December · Figures in EUR

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In short"banca Finnat Euramerica S.p.a." E, IN Forma Abbreviata "banca Finnat S.p.a." O Anche "banca Euramerica S.p.a." is profitable.

Financial health

Solid

Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.

How is this score calculated? →

Profitability14

Operating marginShare of each sale left after running the business, before interest and tax.	–	n/a
Net marginShare of each sale left as profit after every cost, interest and tax.	–	n/a
Return on equityProfit earned on the money shareholders put in. Above 15% is strong.	2.7%	14/100

Weight in the score: 25%

Balance sheet96
Equity / assets 11.7% 96/100
Weight in the score: 25%

Equity / assets	11.7%	96/100

Cash generation–

Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt.	–	n/a
Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy.	7.71×	n/a
Years with positive free cash flow (last 5)	2 of 2	n/a

Weight in the score: 20%

Stability100
Profitable years (last 5) 2 of 2 100/100
Years of revenue decline (last 5) – n/a
Revenue growth volatility – n/a
Operating margin volatility – n/a
Weight in the score: 20%
Growth–
Revenue growth, 3-year average – n/a
EPS growth, 3-year average – n/a
Weight in the score: 10%

Profitable years (last 5)	2 of 2	100/100
Years of revenue decline (last 5)	–	n/a
Revenue growth volatility	–	n/a
Operating margin volatility	–	n/a

Revenue growth, 3-year average	–	n/a
EPS growth, 3-year average	–	n/a

Fiscal year 2021 · change vs prior year

Revenue: –; –
Net income: €6.1M; ▲ 20.4%
Total assets: €1.9B; ▲ 5.6%
Operating margin: –; –
Cash & investments: €115.4M; –
Total debt: –; –
Diluted EPS: –; –
Return on equity: 2.7%; –

European data comes from annual reports in ESEF format (since 2020). Industry and ticker are not provided by this source.

Trends

Annual figures as reported. Hover a bar or point for the exact value.

Revenue and net income

RevenueNet income

Margins

No data reported.

Cash versus debt

Cash & investmentsTotal debt

Statements

The last 2 fiscal years from the company's annual reports.

EUR millions; negative values in parentheses.

Fiscal year	FY20	FY21
Interest expense	2.3	3.5
Pre-tax income	12	12
Income tax	3.8	3.5
Net income	5.1	6.1

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Risk checks

Altman Z'' score

Not computed: the model does not apply to banks and insurers.

Piotroski F-score

Not computed: it needs two consecutive complete years.

Sources

Annual reportPeriod ending Dec 31, 2021Open the report ↗

All figures: filings.xbrl.org (ESEF). Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works

Latest annual report: Dec 31, 2021 · Data updated Dec 31, 2021