IF Fundamental Analysis - BANCA IFIS SPA

Fundamental Rating

Taking everything into account, IF scores 3 out of 10 in our fundamental rating. IF was compared to 58 industry peers in the Financial Services industry. IF has a bad profitability rating. Also its financial health evaluation is rather negative. IF is not valued too expensively and it also shows a decent growth rate. Finally IF also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year IF was profitable.

IF had a negative operating cash flow in the past year.

Each year in the past 5 years IF has been profitable.

Of the past 5 years IF 4 years had a positive operating cash flow.

1.2 Ratios

IF's Return On Assets of 1.69% is in line compared to the rest of the industry. IF outperforms 55.17% of its industry peers.

Looking at the Return On Equity, with a value of 13.19%, IF is in the better half of the industry, outperforming 65.52% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

IF has a better Profit Margin (23.56%) than 82.76% 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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

IF does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for IF remains at a similar level compared to 1 year ago.

The number of shares outstanding for IF has been reduced compared to 5 years ago.

IF has a worse debt/assets ratio than last year.

2.2 Solvency

IF has a Debt/Equity ratio of 2.76. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 2.76, IF is not doing good in the industry: 75.86% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	2.76
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC6.15%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

IF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 140.86%, which is quite impressive.

The Earnings Per Share has been growing slightly by 5.64% on average over the past years.

The Revenue has decreased by -0.32% in the past year.

IF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.96% yearly.

EPS 1Y (TTM)140.86%

EPS 3Y17.2%

EPS 5Y5.64%

EPS Q2Q%1057.62%

Revenue 1Y (TTM)-0.32%

Revenue growth 3Y6.01%

Revenue growth 5Y4.96%

Sales Q2Q%6.39%

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 2.76% on average per year.

Based on estimates for the next years, IF will show a small growth in Revenue. The Revenue will grow by 5.09% on average per year.

EPS Next Y-16.92%

EPS Next 2Y-1.12%

EPS Next 3Y2.76%

EPS Next 5YN/A

Revenue Next Year1.54%

Revenue Next 2Y5.8%

Revenue Next 3Y5.09%

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 stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 2.37 indicates a rather cheap valuation of IF.

Based on the Price/Earnings ratio, IF is valued cheaply inside the industry as 93.10% of the companies are valued more expensively.

The average S&P500 Price/Earnings ratio is at 26.92. IF is valued rather cheaply when compared to this.

The Price/Forward Earnings ratio is 8.52, which indicates a very decent valuation of IF.

IF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. IF is cheaper than 77.59% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 23.57, IF is valued rather cheaply.

		Industry Rank	Sector Rank
PE	2.37
Fwd PE	8.52

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.42

EPS Next 2Y-1.12%

EPS Next 3Y2.76%

More info and screens

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5. Dividend

5.1 Amount

IF has a Yearly Dividend Yield of 8.35%, which is a nice return.

Compared to an average industry Dividend Yield of 2.04, IF pays a better dividend. On top of this IF pays more dividend than 96.55% of the companies listed in the same industry.

IF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.

		Industry Rank	Sector Rank
Dividend Yield	8.35%

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

48.02% 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.

DP48.02%

EPS Next 2Y-1.12%

EPS Next 3Y2.76%

More info and screens

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BANCA IFIS SPA

BIT:IF (1/8/2026, 4:18:33 PM)

26.2

+0.26 (+1%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)11-10 2025-11-10

Earnings (Next)03-04 2026-03-04

Inst Owners12.92%

Inst Owner ChangeN/A

Ins Owners47.77%

Ins Owner ChangeN/A

Market Cap1.61B

Revenue(TTM)1.01B

Net Income(TTM)235.32M

Analysts85

Price Target27.03 (3.17%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	8.35%

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)1.92%

PT rev (3m)6.21%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)-13.56%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)5.21%

Valuation

		Industry Rank	Sector Rank
PE	2.37
Fwd PE	8.52
P/S	1.61
P/FCF	N/A
P/OCF	N/A
P/B	0.9
P/tB	0.95
EV/EBITDA	N/A

EPS(TTM)11.06

EY42.21%

EPS(NY)3.08

Fwd EY11.74%

FCF(TTM)-1.94

FCFYN/A

OCF(TTM)-0.81

OCFYN/A

SpS16.23

BVpS28.98

TBVpS27.51

PEG (NY)N/A

PEG (5Y)0.42

Graham Number84.92

Profitability

		Industry Rank	Sector 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

ROICexgc growth 3YN/A

ROICexgc 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 Rank	Sector 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

WACC6.15%

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)140.86%

EPS 3Y17.2%

EPS 5Y5.64%

EPS Q2Q%1057.62%

EPS Next Y-16.92%

EPS Next 2Y-1.12%

EPS Next 3Y2.76%

EPS Next 5YN/A

Revenue 1Y (TTM)-0.32%

Revenue growth 3Y6.01%

Revenue growth 5Y4.96%

Sales Q2Q%6.39%

Revenue Next Year1.54%

Revenue Next 2Y5.8%

Revenue Next 3Y5.09%

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

BANCA IFIS SPA / IF.MI FAQ

Can you provide the ChartMill fundamental rating for BANCA IFIS SPA?

ChartMill assigns a fundamental rating of 3 / 10 to IF.MI.

What is the valuation status for IF stock?

ChartMill assigns a valuation rating of 4 / 10 to BANCA IFIS SPA (IF.MI). This can be considered as Fairly Valued.

What is the profitability of IF stock?

BANCA IFIS SPA (IF.MI) has a profitability rating of 3 / 10.

How financially healthy is BANCA IFIS SPA?

The financial health rating of BANCA IFIS SPA (IF.MI) is 1 / 10.

Is the dividend of BANCA IFIS SPA sustainable?

The dividend rating of BANCA IFIS SPA (IF.MI) is 7 / 10 and the dividend payout ratio is 48.02%.

BANCA IFIS SPA (IF.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

BANCA IFIS SPA / IF.MI FAQ

Can you provide the ChartMill fundamental rating for BANCA IFIS SPA?

What is the valuation status for IF stock?

What is the profitability of IF stock?

How financially healthy is BANCA IFIS SPA?

Is the dividend of BANCA IFIS SPA sustainable?