BANCA IFIS SPA (IF.MI) Stock Fundamental Analysis

BIT:IF • IT0003188064

24.6 EUR
0 (0%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Overall IF gets a fundamental rating of 3 out of 10. We evaluated IF against 55 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.


Dividend Valuation Growth Profitability Health

3

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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M 600M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.69%, IF is in line with its industry, outperforming 56.36% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 13.19%, IF is in the better half of the industry, outperforming 69.09% of the companies in the same industry.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

1.3 Margins

  • With an excellent Profit Margin value of 23.56%, IF belongs to the best of the industry, outperforming 81.82% 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 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 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.
  • The number of shares outstanding for IF remains at a similar level compared to 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B

2.2 Solvency

  • A Debt/Equity ratio of 2.76 is on the high side and indicates that IF has dependencies on debt financing.
  • The Debt to Equity ratio of IF (2.76) is worse than 74.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.76
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.05%
IF.MI Yearly LT Debt VS Equity VS FCFIF.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 140.86% over the past 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 -0.32%.
  • The Revenue has been growing slightly by 4.96% on average over the past years.
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 6.55% on average per year.
  • Based on estimates for the next years, IF will show a small growth in Revenue. The Revenue will grow by 7.77% on average per year.
EPS Next Y-16.92%
EPS Next 2Y-1.12%
EPS Next 3Y2.76%
EPS Next 5Y6.55%
Revenue Next Year1.53%
Revenue Next 2Y3.48%
Revenue Next 3Y3.54%
Revenue Next 5Y7.77%

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 stable.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
IF.MI Yearly Revenue VS EstimatesIF.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M
IF.MI Yearly EPS VS EstimatesIF.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3 4

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 2.22, the valuation of IF can be described as very cheap.
  • 92.73% of the companies in the same industry are more expensive than IF, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.07. IF is valued rather cheaply when compared to this.
  • IF is valuated cheaply with a Price/Forward Earnings ratio of 8.00.
  • Based on the Price/Forward Earnings ratio, IF is valued a bit cheaper than 70.91% of the companies in the same industry.
  • IF is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.05, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 2.22
Fwd PE 8
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)0.39
EPS Next 2Y-1.12%
EPS Next 3Y2.76%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 8.62%, IF is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.26, IF pays a better dividend. On top of this IF pays more dividend than 98.18% 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 1.82.
Industry RankSector Rank
Dividend Yield 8.62%

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 48.02% 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.
DP48.02%
EPS Next 2Y-1.12%
EPS Next 3Y2.76%
IF.MI Yearly Income VS Free CF VS DividendIF.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 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

More info and screens

Find the best dividend stocksShow peers with best dividend

BANCA IFIS SPA

BIT:IF (2/27/2026, 7:00:00 PM)

24.6

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-10
Earnings (Next)03-12
Inst Owners12.92%
Inst Owner ChangeN/A
Ins Owners47.77%
Ins Owner ChangeN/A
Market Cap1.51B
Revenue(TTM)1.01B
Net Income(TTM)235.32M
Analysts85
Price Target27.67 (12.48%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.62%
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)2.36%
PT rev (3m)4.33%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-13.5%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)5.31%
Valuation
Industry RankSector Rank
PE 2.22
Fwd PE 8
P/S 1.52
P/FCF N/A
P/OCF N/A
P/B 0.85
P/tB 0.89
EV/EBITDA N/A
EPS(TTM)11.06
EY44.96%
EPS(NY)3.08
Fwd EY12.5%
FCF(TTM)-1.94
FCFYN/A
OCF(TTM)-0.81
OCFYN/A
SpS16.23
BVpS28.98
TBVpS27.51
PEG (NY)N/A
PEG (5Y)0.39
Graham Number84.92
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
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 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
WACC6.05%
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 5Y6.55%
Revenue 1Y (TTM)-0.32%
Revenue growth 3Y6.01%
Revenue growth 5Y4.96%
Sales Q2Q%6.39%
Revenue Next Year1.53%
Revenue Next 2Y3.48%
Revenue Next 3Y3.54%
Revenue Next 5Y7.77%
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 5 / 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%.