IF Fundamental Analysis - BANCA IFIS SPA

Fundamental Rating

Overall IF gets a fundamental rating of 3 out of 10. We evaluated IF against 47 industry peers in the Financial Services industry. Both the profitability and financial health of IF have multiple concerns. IF has a valuation in line with the averages, but on the other hand it scores bad on growth. 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.

IF had positive earnings in each of the past 5 years.

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

1.2 Ratios

IF's Return On Assets of 1.75% is in line compared to the rest of the industry. IF outperforms 42.55% of its industry peers.

The Return On Equity of IF (13.95%) is better than 68.09% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

Looking at the Profit Margin, with a value of 23.77%, IF is in the better half of the industry, outperforming 74.47% of the companies in the same industry.

IF's Profit Margin has been stable in the last couple of years.

IF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector 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

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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.

Compared to 1 year ago, IF has about the same amount of shares outstanding.

Compared to 5 years ago, IF has less shares outstanding

Compared to 1 year ago, IF has a worse debt to assets ratio.

2.2 Solvency

A Debt/Equity ratio of 2.80 is on the high side and indicates that IF has dependencies on debt financing.

IF has a Debt to Equity ratio of 2.80. This is in the lower half of the industry: IF underperforms 74.47% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.8
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.62%

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

The earnings per share for IF have decreased by -0.95% in the last year.

IF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.64% yearly.

Looking at the last year, IF shows a small growth in Revenue. The Revenue has grown by 1.42% in the last 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)-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

The Earnings Per Share is expected to grow by 0.68% on average over the next years.

IF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.25% yearly.

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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 4.75, which indicates a rather cheap valuation of IF.

Based on the Price/Earnings ratio, IF is valued cheaply inside the industry as 87.23% of the companies are valued more expensively.

IF is valuated cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 6.79, the valuation of IF can be described as very cheap.

85.11% of the companies in the same industry are more expensive than IF, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of IF to the average of the S&P500 Index (22.19), we can say IF is valued rather cheaply.

		Industry Rank	Sector Rank
PE	4.75
Fwd PE	6.79

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)0.84

EPS Next 2Y0.59%

EPS Next 3Y0.68%

More info and screens

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 9.71%, IF is a good candidate for dividend investing.

IF's Dividend Yield is rather good when compared to the industry average which is at 4.00. IF pays more dividend than 95.74% of the companies in the same industry.

IF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	9.71%

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

IF pays out 45.65% of its income as dividend. 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%

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BANCA IFIS SPA

BIT:IF (6/18/2025, 7:00:00 PM)

21.62

-0.08 (-0.37%)

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 Cap1.16B

Analysts84.62

Price Target24.7 (14.25%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	9.71%

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)0.83%

PT rev (3m)1%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)-2.35%

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 Rank	Sector Rank
PE	4.75
Fwd PE	6.79
P/S	1.14
P/FCF	N/A
P/OCF	N/A
P/B	0.67
P/tB	0.71
EV/EBITDA	N/A

EPS(TTM)4.55

EY21.05%

EPS(NY)3.18

Fwd EY14.72%

FCF(TTM)-4.5

FCFYN/A

OCF(TTM)-3.56

OCFYN/A

SpS18.9

BVpS32.19

TBVpS30.6

PEG (NY)N/A

PEG (5Y)0.84

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC5.62%

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

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