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BANCA IFIS SPA (IF.MI) Stock Fundamental Analysis

BIT:IF - IT0003188064 - Common Stock

23.34 EUR
+0.32 (+1.39%)
Last: 9/9/2025, 7:00:00 PM
Fundamental Rating

3

IF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 46 industry peers in the Financial Services industry. Both the profitability and financial health of IF have multiple concerns. IF is valued correctly, but it does not seem to be growing. Finally 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.
IF had a positive operating cash flow in 4 of the past 5 years.
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

With a Return On Assets value of 1.69%, IF perfoms like the industry average, outperforming 45.65% of the companies in the same industry.
IF has a Return On Equity of 13.19%. This is in the better half of the industry: IF outperforms 63.04% 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

The Profit Margin of IF (23.56%) is better than 73.91% of its industry peers.
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) 23.56%
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.
IF has about the same amout of shares outstanding than it did 1 year ago.
IF has less shares outstanding than it did 5 years ago.
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 76.09% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.76
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.94%
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.
The Earnings Per Share has been growing slightly by 5.64% on average over the past years.
IF shows a decrease in Revenue. In the last year, the revenue decreased by -0.33%.
IF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.96% yearly.
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.
Based on estimates for the next years, IF will show a decrease in Revenue. The Revenue will decrease by -0.08% on average per year.
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

Based on the Price/Earnings ratio of 5.27, the valuation of IF can be described as very cheap.
Based on the Price/Earnings ratio, IF is valued cheaper than 86.96% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.07, IF is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.55, 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 84.78% of the companies in the same industry.
IF is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.59, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 5.27
Fwd PE 7.55
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)0.93
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 9.25%, which is a nice return.
IF's Dividend Yield is rather good when compared to the industry average which is at 3.52. IF pays more dividend than 97.83% of the companies in the same industry.
IF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.46.
Industry RankSector Rank
Dividend Yield 9.25%

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.
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 (9/9/2025, 7:00:00 PM)

23.34

+0.32 (+1.39%)

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 Owners12.85%
Inst Owner ChangeN/A
Ins Owners54.64%
Ins Owner ChangeN/A
Market Cap1.44B
Analysts85
Price Target25.45 (9.04%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 9.25%
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)3.01%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.46%
EPS NY rev (3m)-2.46%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.81%
Revenue NY rev (3m)-2.33%
Valuation
Industry RankSector Rank
PE 5.27
Fwd PE 7.55
P/S 1.44
P/FCF N/A
P/OCF N/A
P/B 0.8
P/tB 0.85
EV/EBITDA N/A
EPS(TTM)4.43
EY18.98%
EPS(NY)3.09
Fwd EY13.24%
FCF(TTM)-1.94
FCFYN/A
OCF(TTM)-0.81
OCFYN/A
SpS16.24
BVpS29
TBVpS27.53
PEG (NY)N/A
PEG (5Y)0.93
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
WACC5.94%
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