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BANCA IFIS SPA (IF.MI) Stock Fundamental Analysis

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

23.96  -0.02 (-0.08%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to IF. 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 is valued correctly, 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.
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 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.
The Return On Equity of IF (13.95%) is better 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

Looking at the Profit Margin, with a value of 23.77%, IF is in the better half of the industry, outperforming 74.00% of the companies in the same industry.
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

A Debt/Equity ratio of 2.80 is on the high side and indicates that IF has dependencies on debt financing.
IF's Debt to Equity ratio of 2.80 is on the low side compared to the rest of the industry. IF is outperformed by 78.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.8
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.98%
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%.
IF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.64% yearly.
IF shows a small growth in Revenue. In the last year, the Revenue has grown by 1.42%.
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

IF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.68% yearly.
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

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

Based on the Price/Earnings ratio of 5.27, the valuation of IF can be described as very cheap.
IF's Price/Earnings ratio is rather cheap when compared to the industry. IF is cheaper than 88.00% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.69, IF is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.53, the valuation of IF can be described as very cheap.
88.00% of the companies in the same industry are more expensive than IF, based on the Price/Forward Earnings ratio.
IF is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.36, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 5.27
Fwd PE 7.53
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 8.85%, which is a nice return.
IF's Dividend Yield is rather good when compared to the industry average which is at 3.62. IF pays more dividend than 98.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, IF pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.85%

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.
The dividend of IF is growing, but the earnings are growing slower. 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 (7/23/2025, 7:00:00 PM)

23.96

-0.02 (-0.08%)

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 (6.22%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.85%
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 5.27
Fwd PE 7.53
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
EY18.99%
EPS(NY)3.18
Fwd EY13.29%
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
WACC5.98%
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