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General Capital Ltd.
(GEN)
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Rating:53Neutral
Price Target:
$0.26
Action:N/A
Date:10/05/26
The score is held back primarily by financial risk—especially very high and rising leverage and sharply negative/volatile cash flow in the latest year. Valuation is a meaningful offset with a low P/E and solid dividend yield, while technicals are neutral-to-slightly-bearish with price below key moving averages and a negative MACD.
Positive Factors
Strong operating growth
The FY26 expansion in assets and revenue indicates that General Capital is scaling its lending and deposit activities. Continued business growth can improve operating leverage, deepen market presence, and support stronger earnings capacity if credit and funding discipline remain intact.
Negative Factors
Very high and rising leverage
Leverage is elevated and moving higher, leaving the company more sensitive to funding costs, credit conditions, and changes in asset performance. Although equity has grown, debt and assets have expanded faster, keeping capital buffers relatively thin and limiting financial flexibility.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong operating growth
The FY26 expansion in assets and revenue indicates that General Capital is scaling its lending and deposit activities. Continued business growth can improve operating leverage, deepen market presence, and support stronger earnings capacity if credit and funding discipline remain intact.
Read all positive factors
General Capital Ltd. (GEN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$22.08M
Dividend Yield4.78%
Average Volume (3M)2.08K
Price to Earnings (P/E)8.1
Beta (1Y)0.68
Revenue Growth18.24%
EPS Growth-3.88%
CountryNZ
Employees2
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)0.03
Shares Outstanding92,015,076
10 Day Avg. Volume2,986
30 Day Avg. Volume2,075
Financial Highlights & Ratios
PEG Ratio-2.64
Price to Book (P/B)0.82
Price to Sales (P/S)0.96
P/FCF Ratio-1.04
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
General Capital Ltd. Business Overview & Revenue Model
Company Description
General Capital Limited is a New Zealand-based firm offering diverse financial services. Its operations are segmented into two key divisions: Finance, and Research and Advisory. Within its Finance division, the company accepts deposits and extends...
How the Company Makes Money
General Capital Ltd. primarily makes money by earning interest and fees from its lending activities. Key revenue streams typically include: (1) net interest income, which is the difference between interest earned on loans and the cost of funds use...
General Capital Ltd. Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
38
Negative
Cash Flow
27
Negative
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 26.76M | 225.24K | 9.02M | 7.91M | 4.98M |
| Gross Profit | 10.55M | 207.14K | 9.00M | 7.91M | 4.98M |
| EBITDA | 4.50M | 15.67M | 11.71M | 126.43K | 156.23K |
| Net Income | 2.72M | 2.81M | 2.63M | 2.26M | 1.34M |
Balance Sheet | |||||
| Total Assets | 283.73M | 218.18M | 163.33M | 136.09M | 102.90M |
| Cash, Cash Equivalents and Short-Term Investments | 35.83M | 61.03M | 28.02M | 14.07M | 16.66M |
| Total Debt | 248.02M | 184.68M | 135.12M | 109.89M | 174.36K |
| Total Liabilities | 252.43M | 188.94M | 136.52M | 111.84M | 89.37M |
| Stockholders Equity | 31.30M | 29.24M | 26.81M | 24.25M | 13.53M |
Cash Flow | |||||
| Free Cash Flow | -24.60M | 40.92M | 4.01M | -3.46M | 5.97M |
| Operating Cash Flow | -24.59M | 41.39M | 4.18M | -3.45M | 5.99M |
| Investing Cash Flow | 12.05M | -20.20M | -2.95M | -7.50M | 820.05K |
| Financing Cash Flow | -631.84K | -499.92K | 0.00 | 8.36M | 32.58M |
General Capital Ltd. Technical Analysis
Negative
―
Price Trends
0.26
Negative
0.27
Negative
0.27
Negative
Market Momentum
>-0.01
Positive
39.44
Neutral
22.22
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NZ:GEN, the sentiment is Negative. The current price of undefined is equal to the 20-day moving average (MA) of 0.26, equal to the 50-day MA of 0.26, and equal to the 200-day MA of 0.27, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 39.44 is Neutral, neither overbought nor oversold. The STOCH value of 22.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for NZ:GEN.
General Capital Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
64 Neutral | $588.44M | 19.23 | ― | 8.42% | -5.72% | 44.44% | |
62 Neutral | $1.08B | 14.38 | ― | 4.85% | 13.17% | -26.72% | |
62 Neutral | $136.24M | 14.80 | ― | 5.84% | 5.06% | -36.77% | |
59 Neutral | $377.62M | 12.02 | ― | 6.28% | 6.42% | -17.97% | |
57 Neutral | $1.49B | 29.58 | 2.74% | 6.86% | 2.85% | -13.56% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
53 Neutral | $22.08M | 8.08 | ― | 4.78% | 18.24% | -3.88% |
* General Sector Average
NZ:GEN
General Capital Ltd.
0.24
-0.02
-6.98%
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1.01
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Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.