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BANCA IFIS SPA (IF.MI) Stock Fundamental Analysis

Europe - BIT:IF - IT0003188064 - Common Stock

22.8 EUR
+0.28 (+1.24%)
Last: 10/3/2025, 7:00:00 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to IF. IF was compared to 49 industry peers in the Financial Services industry. IF may be in some trouble as it scores bad on both profitability and health. IF has a valuation in line with the averages, but on the other hand it scores bad on growth. 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.
In the past 5 years IF has always been profitable.
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

The Return On Assets of IF (1.69%) is comparable to the rest of the industry.
The Return On Equity of IF (13.19%) is better than 63.27% of its industry peers.
Industry RankSector Rank
ROA 1.69%
ROE 13.19%
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 has a Profit Margin of 23.56%. This is in the better half of the industry: IF outperforms 75.51% of its industry peers.
In the last couple of years the Profit Margin of IF has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for IF so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.56%
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.
Compared to 1 year ago, IF has about the same amount of shares outstanding.
Compared to 5 years ago, IF has less shares outstanding
IF has a worse debt/assets ratio than last year.
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 2.76. This is a high value indicating a heavy dependency on external financing.
IF's Debt to Equity ratio of 2.76 is on the low side compared to the rest of the industry. IF is outperformed by 79.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.76
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.91%
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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1

3. Growth

3.1 Past

The earnings per share for IF have decreased by -3.86% in the last year.
Measured over the past 5 years, IF shows a small growth in Earnings Per Share. The EPS has been growing by 5.64% on average per year.
IF shows a decrease in Revenue. In the last year, the revenue decreased by -0.33%.
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)-3.86%
EPS 3Y17.2%
EPS 5Y5.64%
EPS Q2Q%-6.86%
Revenue 1Y (TTM)-0.33%
Revenue growth 3Y6.01%
Revenue growth 5Y4.96%
Sales Q2Q%-3.77%

3.2 Future

The Earnings Per Share is expected to decrease by -0.11% on average over the next years.
IF is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.08% yearly.
EPS Next Y-3.89%
EPS Next 2Y-0.89%
EPS Next 3Y-0.11%
EPS Next 5YN/A
Revenue Next Year-3.49%
Revenue Next 2Y-0.84%
Revenue Next 3Y-0.08%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

A Price/Earnings ratio of 5.15 indicates a rather cheap valuation of IF.
Compared to the rest of the industry, the Price/Earnings ratio of IF indicates a rather cheap valuation: IF is cheaper than 89.80% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.86. IF is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 7.38, the valuation of IF can be described as very cheap.
IF's Price/Forward Earnings ratio is rather cheap when compared to the industry. IF is cheaper than 85.71% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.32, IF is valued rather cheaply.
Industry RankSector Rank
PE 5.15
Fwd PE 7.38
IF.MI Price Earnings VS Forward Price EarningsIF.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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)0.91
EPS Next 2Y-0.89%
EPS Next 3Y-0.11%

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7

5. Dividend

5.1 Amount

IF has a Yearly Dividend Yield of 9.17%, which is a nice return.
Compared to an average industry Dividend Yield of 3.63, IF pays a better dividend. On top of this IF pays more dividend than 97.96% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, IF pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.17%

5.2 History

On average, the dividend of IF grows each year by 15.83%, which is quite nice.
Dividend Growth(5Y)15.83%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

48.02% of the earnings are spent on dividend by IF. This is a bit on the high side, but may be sustainable.
DP48.02%
EPS Next 2Y-0.89%
EPS Next 3Y-0.11%
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 (10/3/2025, 7:00:00 PM)

22.8

+0.28 (+1.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-01 2025-08-01
Earnings (Next)11-06 2025-11-06
Inst Owners12.02%
Inst Owner ChangeN/A
Ins Owners47.77%
Ins Owner ChangeN/A
Market Cap1.40B
Analysts85
Price Target25.45 (11.62%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 9.17%
Yearly Dividend2.1
Dividend Growth(5Y)15.83%
DP48.02%
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)0%
PT rev (3m)1.59%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-2.46%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.33%
Valuation
Industry RankSector Rank
PE 5.15
Fwd PE 7.38
P/S 1.4
P/FCF N/A
P/OCF N/A
P/B 0.79
P/tB 0.83
EV/EBITDA N/A
EPS(TTM)4.43
EY19.43%
EPS(NY)3.09
Fwd EY13.55%
FCF(TTM)-1.94
FCFYN/A
OCF(TTM)-0.81
OCFYN/A
SpS16.23
BVpS28.98
TBVpS27.51
PEG (NY)N/A
PEG (5Y)0.91
Profitability
Industry RankSector Rank
ROA 1.69%
ROE 13.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.56%
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-Score2
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 2.76
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 268.34%
Cap/Sales 7.01%
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-Score2
WACC5.91%
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)-3.86%
EPS 3Y17.2%
EPS 5Y5.64%
EPS Q2Q%-6.86%
EPS Next Y-3.89%
EPS Next 2Y-0.89%
EPS Next 3Y-0.11%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.33%
Revenue growth 3Y6.01%
Revenue growth 5Y4.96%
Sales Q2Q%-3.77%
Revenue Next Year-3.49%
Revenue Next 2Y-0.84%
Revenue Next 3Y-0.08%
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-125.44%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-110.02%
OCF growth 3YN/A
OCF growth 5YN/A