BANCA IFIS SPA (IF.MI) Stock Fundamental Analysis

BIT:IF • IT0003188064

25.5 EUR
+0.24 (+0.95%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

IF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 59 industry peers in the Financial Services industry. Both the profitability and financial health of IF have multiple concerns. IF has a correct valuation and a medium 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.
  • In the past year IF has reported a negative cash flow from operations.
  • 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

  • With a Return On Assets value of 1.69%, IF perfoms like the industry average, outperforming 55.93% 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 67.80% 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 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 79.66% of its industry peers.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Compared to 1 year ago, IF has a worse debt to assets ratio.
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.
  • IF has a worse Debt to Equity ratio (2.76) than 76.27% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.76
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.14%
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

5

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.
  • The Revenue has decreased by -0.32% in the past year.
  • Measured over the past years, IF shows a small growth in Revenue. The Revenue has been growing by 4.96% on average per year.
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

  • IF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.55% yearly.
  • Based on estimates for the next years, IF will show a quite strong growth in Revenue. The Revenue will grow by 8.08% on average per year.
EPS Next Y-16.92%
EPS Next 2Y-1.12%
EPS Next 3Y2.76%
EPS Next 5Y6.55%
Revenue Next Year1.54%
Revenue Next 2Y5.8%
Revenue Next 3Y5.09%
Revenue Next 5Y8.08%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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 1B
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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4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 2.31, which indicates a rather cheap valuation of IF.
  • Based on the Price/Earnings ratio, IF is valued cheaply inside the industry as 93.22% of the companies are valued more expensively.
  • IF is valuated cheaply when we compare the Price/Earnings ratio to 27.97, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 8.29, which indicates a very decent valuation of IF.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of IF indicates a somewhat cheap valuation: IF is cheaper than 67.80% of the companies listed in the same industry.
  • IF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.96.
Industry RankSector Rank
PE 2.31
Fwd PE 8.29
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)0.41
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 8.39%, IF is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.24, IF pays a better dividend. On top of this IF pays more dividend than 96.61% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.84, IF pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.39%

5.2 History

  • On average, the dividend of IF grows each year by 15.83%, which is quite nice.
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

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BANCA IFIS SPA

BIT:IF (2/13/2026, 7:00:00 PM)

25.5

+0.24 (+0.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-11
Earnings (Next)05-07
Inst Owners12.92%
Inst Owner ChangeN/A
Ins Owners47.77%
Ins Owner ChangeN/A
Market Cap1.57B
Revenue(TTM)1.01B
Net Income(TTM)235.32M
Analysts85
Price Target27.54 (8%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.39%
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)1.89%
PT rev (3m)5.57%
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%
Revenue NY rev (3m)5.33%
Valuation
Industry RankSector Rank
PE 2.31
Fwd PE 8.29
P/S 1.57
P/FCF N/A
P/OCF N/A
P/B 0.88
P/tB 0.93
EV/EBITDA N/A
EPS(TTM)11.06
EY43.37%
EPS(NY)3.08
Fwd EY12.06%
FCF(TTM)-1.94
FCFYN/A
OCF(TTM)-0.81
OCFYN/A
SpS16.23
BVpS28.98
TBVpS27.51
PEG (NY)N/A
PEG (5Y)0.41
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
WACC6.14%
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 Year1.54%
Revenue Next 2Y5.8%
Revenue Next 3Y5.09%
Revenue Next 5Y8.08%
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%.