(Finance) – Generalfinancea company listed on Euronext Star Milan and financial intermediary specialized in Factoring to SME DISTRESED, HA Presented the industrial plan 2025-2027which is based in particular on five strategic pillars: consolidation in the Factoring market dedicated to the special situations with particular focus in the Italian Distressed area; Development of the Small Digital Lending market through the integration of Workinvoice and the consequent constitution of a new Directorate Fintech & Digital Lending; international expansion, with the entry into the Spanish and Swiss markets; diversification of the sources of financing, with stable and diversified credit/funding lines to support growth; sustainability integrated into the plan.
“The industrial plan 2025-2027 marks an acceleration in national/international growth and in the creation of sustainable value for our stakeholders – said theTo Massimo Gianolli – Innovation in the service model to customers, the digitization of operating processes, the creation of a Fintech & Digital Lending Management and the international expansion are the strategic levers on which we aim to consolidate our leadership in the factoring market dedicated to DISSSEDED companies in Italy and abroad “.
As for the core business, the Average growth of Factoring turnover relating to Italian activities, it is estimated at 11%, with a share on the potential market increasing compared to 7.6% in 2024. The 2027 intermediary turnover relating to Italian companies is estimated at over 4.2 billion euros, compared to the 3 billion euros of 2024. The turnover intermediated by the Workinvoice platform is estimated at strong growth from approximately 110 million euros of 2024 to over 400 million euros. At 2027, also including commercial synergies relating to the Small Retail portfolio currently managed by Generalfinance. Overall, the contribution in terms of turnover claimed by international activities is estimated at approximately 580 million euros to 2027, 11% of the total intermediary turnover.
In the horizon of the plan a full use of the available funding, a total of approximately 1.1 billion euros. In particular, the Revolving securitization operation will be used for increasing amounts gradually increasing amounts. A full drawing of the Pool Revolving Financing line and a further increase in reception operations to Factoring companies, both pro-solve and pro-soluto is also expected. A further optimization of the cost of the liability is expected, with an average funding spread compared to 2024.
THE main targets of the 2025-2027 plan are: intermediated turnover 2025-2027 at around 14 billion euros, of which 13 billion from Italian activities; Cumulative net profit 2025-2027 of over 83 million euros; net profit expected to 2027 to around 33 million euros, total remuneration for shareholders of over 42 million euros of dividends distributed in the period 2025-2027, equal to 32% of the current capitalization; ROE expected to 2027 at 32%; Total Capital Ratio at 2027 at 13%; Over 7 million euros of investments planned on the plan, mainly in the digital field, IT infrastructure and cybersecurity; About 130 FTE at 2027, with a significant strengthening of operating structures, business and engaged in the field of internal controls.