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BANCA IFIS SPA (IF.MI) Stock Fundamental Analysis

BIT:IF - Euronext Milan - IT0003188064 - Common Stock - Currency: EUR

23.94  +0.04 (+0.17%)

Fundamental Rating

3

Taking everything into account, IF scores 3 out of 10 in our fundamental rating. IF was compared to 50 industry peers in the Financial Services industry. IF has a bad profitability rating. Also its financial health evaluation is rather negative. IF has a valuation in line with the averages, but it does not seem to be growing. IF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year IF was profitable.
In the past year IF has reported a negative cash flow from operations.
IF had positive earnings in each of the past 5 years.
Of the past 5 years IF 4 years had a positive operating cash flow.
IF.MI Yearly Net Income VS EBIT VS OCF VS FCFIF.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M 600M

1.2 Ratios

IF has a worse Return On Assets (1.75%) than 62.00% of its industry peers.
IF has a better Return On Equity (13.95%) than 66.00% of its industry peers.
Industry RankSector Rank
ROA 1.75%
ROE 13.95%
ROIC N/A
ROA(3y)1.12%
ROA(5y)0.94%
ROE(3y)9.25%
ROE(5y)7.72%
ROIC(3y)N/A
ROIC(5y)N/A
IF.MI Yearly ROA, ROE, ROICIF.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

1.3 Margins

IF's Profit Margin of 23.77% is fine compared to the rest of the industry. IF outperforms 74.00% of its industry peers.
In the last couple of years the Profit Margin of IF has remained more or less at the same level.
IF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.77%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y10.47%
PM growth 5Y0.6%
GM growth 3YN/A
GM growth 5YN/A
IF.MI Yearly Profit, Operating, Gross MarginsIF.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50 100 150

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1

2. Health

2.1 Basic Checks

IF does not have a ROIC to compare to the WACC, probably because it is not profitable.
IF has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, IF has less shares outstanding
The debt/assets ratio for IF is higher compared to a year ago.
IF.MI Yearly Shares OutstandingIF.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
IF.MI Yearly Total Debt VS Total AssetsIF.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B

2.2 Solvency

IF has a Debt/Equity ratio of 2.80. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 2.80, IF is doing worse than 78.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.8
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.97%
IF.MI Yearly LT Debt VS Equity VS FCFIF.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
IF.MI Yearly Current Assets VS Current LiabilitesIF.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

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3

3. Growth

3.1 Past

IF shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.95%.
The Earnings Per Share has been growing slightly by 5.64% on average over the past years.
IF shows a small growth in Revenue. In the last year, the Revenue has grown by 1.42%.
Measured over the past years, IF shows a small growth in Revenue. The Revenue has been growing by 4.96% on average per year.
EPS 1Y (TTM)-0.95%
EPS 3Y17.2%
EPS 5Y5.64%
EPS Q2Q%0.03%
Revenue 1Y (TTM)1.42%
Revenue growth 3Y6.01%
Revenue growth 5Y4.96%
Sales Q2Q%-3.48%

3.2 Future

Based on estimates for the next years, IF will show a small growth in Earnings Per Share. The EPS will grow by 0.68% on average per year.
The Revenue is expected to grow by 0.25% on average over the next years.
EPS Next Y-1.47%
EPS Next 2Y0.59%
EPS Next 3Y0.68%
EPS Next 5YN/A
Revenue Next Year-1.18%
Revenue Next 2Y0.24%
Revenue Next 3Y0.25%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
IF.MI Yearly Revenue VS EstimatesIF.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
IF.MI Yearly EPS VS EstimatesIF.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

IF is valuated cheaply with a Price/Earnings ratio of 5.26.
Based on the Price/Earnings ratio, IF is valued cheaply inside the industry as 88.00% of the companies are valued more expensively.
IF is valuated cheaply when we compare the Price/Earnings ratio to 28.04, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 7.52 indicates a rather cheap valuation of IF.
Based on the Price/Forward Earnings ratio, IF is valued cheaply inside the industry as 86.00% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of IF to the average of the S&P500 Index (37.64), we can say IF is valued rather cheaply.
Industry RankSector Rank
PE 5.26
Fwd PE 7.52
IF.MI Price Earnings VS Forward Price EarningsIF.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
IF.MI Per share dataIF.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.93
EPS Next 2Y0.59%
EPS Next 3Y0.68%

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7

5. Dividend

5.1 Amount

IF has a Yearly Dividend Yield of 8.87%, which is a nice return.
IF's Dividend Yield is rather good when compared to the industry average which is at 3.60. IF pays more dividend than 98.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, IF pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.87%

5.2 History

The dividend of IF is nicely growing with an annual growth rate of 15.83%!
Dividend Growth(5Y)15.83%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

45.65% of the earnings are spent on dividend by IF. This is a bit on the high side, but may be sustainable.
IF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP45.65%
EPS Next 2Y0.59%
EPS Next 3Y0.68%
IF.MI Yearly Income VS Free CF VS DividendIF.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M 600M
IF.MI Dividend Payout.IF.MI Dividend Payout, showing the Payout Ratio.IF.MI Dividend Payout.PayoutRetained Earnings

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BANCA IFIS SPA

BIT:IF (7/25/2025, 7:00:00 PM)

23.94

+0.04 (+0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-08 2025-05-08
Earnings (Next)08-01 2025-08-01
Inst Owners12.85%
Inst Owner ChangeN/A
Ins Owners54.64%
Ins Owner ChangeN/A
Market Cap1.46B
Analysts85
Price Target25.45 (6.31%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.87%
Yearly Dividend2.1
Dividend Growth(5Y)15.83%
DP45.65%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)3.01%
PT rev (3m)3.87%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.85%
Valuation
Industry RankSector Rank
PE 5.26
Fwd PE 7.52
P/S 1.43
P/FCF N/A
P/OCF N/A
P/B 0.84
P/tB 0.89
EV/EBITDA N/A
EPS(TTM)4.55
EY19.01%
EPS(NY)3.18
Fwd EY13.3%
FCF(TTM)-3.98
FCFYN/A
OCF(TTM)-3.15
OCFYN/A
SpS16.7
BVpS28.45
TBVpS27.05
PEG (NY)N/A
PEG (5Y)0.93
Profitability
Industry RankSector Rank
ROA 1.75%
ROE 13.95%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.77%
GM N/A
FCFM N/A
ROA(3y)1.12%
ROA(5y)0.94%
ROE(3y)9.25%
ROE(5y)7.72%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y10.47%
PM growth 5Y0.6%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 2.8
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 217.65%
Cap/Sales 4.98%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC5.97%
ROIC/WACCN/A
Cap/Depr(3y)191.3%
Cap/Depr(5y)187.62%
Cap/Sales(3y)6.43%
Cap/Sales(5y)6.67%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-0.95%
EPS 3Y17.2%
EPS 5Y5.64%
EPS Q2Q%0.03%
EPS Next Y-1.47%
EPS Next 2Y0.59%
EPS Next 3Y0.68%
EPS Next 5YN/A
Revenue 1Y (TTM)1.42%
Revenue growth 3Y6.01%
Revenue growth 5Y4.96%
Sales Q2Q%-3.48%
Revenue Next Year-1.18%
Revenue Next 2Y0.24%
Revenue Next 3Y0.25%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-54.53%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-160.43%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-143%
OCF growth 3YN/A
OCF growth 5YN/A