Logo image of ILTY.MI

ILLIMITY BANK SPA (ILTY.MI) Stock Fundamental Analysis

Europe - BIT:ILTY - IT0005359192 - Common Stock

4.05 EUR
+0.01 (+0.25%)
Last: 9/16/2025, 5:25:59 PM
Fundamental Rating

1

Overall ILTY gets a fundamental rating of 1 out of 10. We evaluated ILTY against 50 industry peers in the Financial Services industry. ILTY may be in some trouble as it scores bad on both profitability and health. ILTY has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

Quickly go to:

1

1. Profitability

1.1 Basic Checks

ILTY had negative earnings in the past year.
In the past year ILTY has reported a negative cash flow from operations.
Of the past 5 years ILTY 4 years were profitable.
The reported operating cash flow has been mixed in the past 5 years: ILTY reported negative operating cash flow in multiple years.
ILTY.MI Yearly Net Income VS EBIT VS OCF VS FCFILTY.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M

1.2 Ratios

ILTY has a worse Return On Assets (-0.23%) than 68.09% of its industry peers.
ILTY has a worse Return On Equity (-2.20%) than 70.21% of its industry peers.
Industry RankSector Rank
ROA -0.23%
ROE -2.2%
ROIC N/A
ROA(3y)0.72%
ROA(5y)0.87%
ROE(3y)5.21%
ROE(5y)5.89%
ROIC(3y)N/A
ROIC(5y)N/A
ILTY.MI Yearly ROA, ROE, ROICILTY.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

ILTY does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
ILTY.MI Yearly Profit, Operating, Gross MarginsILTY.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 -100 -200 -300

More info and screens

0

2. Health

2.1 Basic Checks

ILTY does not have a ROIC to compare to the WACC, probably because it is not profitable.
ILTY has less shares outstanding than it did 1 year ago.
The number of shares outstanding for ILTY has been increased compared to 5 years ago.
ILTY has a worse debt/assets ratio than last year.
ILTY.MI Yearly Shares OutstandingILTY.MI Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
ILTY.MI Yearly Total Debt VS Total AssetsILTY.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

A Debt/Equity ratio of 2.70 is on the high side and indicates that ILTY has dependencies on debt financing.
With a Debt to Equity ratio value of 2.70, ILTY is not doing good in the industry: 74.47% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.7
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.16%
ILTY.MI Yearly LT Debt VS Equity VS FCFILTY.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ILTY.MI Yearly Current Assets VS Current LiabilitesILTY.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

More info and screens

2

3. Growth

3.1 Past

The earnings per share for ILTY have decreased strongly by -115.09% in the last year.
Looking at the last year, ILTY shows a very negative growth in Revenue. The Revenue has decreased by -17.64% in the last year.
The Revenue has been growing by 30.20% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-115.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-219.2%
Revenue 1Y (TTM)-17.64%
Revenue growth 3Y11.76%
Revenue growth 5Y30.2%
Sales Q2Q%-27.5%

3.2 Future

ILTY is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.23% yearly.
The Revenue is expected to decrease by -2.68% on average over the next years.
EPS Next Y-54.17%
EPS Next 2Y-14%
EPS Next 3Y-1.23%
EPS Next 5YN/A
Revenue Next Year-18.8%
Revenue Next 2Y-7.73%
Revenue Next 3Y-2.68%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
ILTY.MI Yearly Revenue VS EstimatesILTY.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
ILTY.MI Yearly EPS VS EstimatesILTY.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 0.5 1

More info and screens

1

4. Valuation

4.1 Price/Earnings Ratio

ILTY reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
The Price/Forward Earnings ratio is 18.05, which indicates a rather expensive current valuation of ILTY.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ILTY is on the same level as its industry peers.
ILTY's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.55.
Industry RankSector Rank
PE N/A
Fwd PE 18.05
ILTY.MI Price Earnings VS Forward Price EarningsILTY.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 40

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ILTY.MI Per share dataILTY.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-14%
EPS Next 3Y-1.23%

More info and screens

3

5. Dividend

5.1 Amount

ILTY has a Yearly Dividend Yield of 3.35%.
ILTY's Dividend Yield is a higher than the industry average which is at 3.30.
Compared to an average S&P500 Dividend Yield of 2.37, ILTY pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.35%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

ILTY has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-106.49%
EPS Next 2Y-14%
EPS Next 3Y-1.23%
ILTY.MI Yearly Income VS Free CF VS DividendILTY.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M

More info and screens

ILLIMITY BANK SPA

BIT:ILTY (9/16/2025, 5:25:59 PM)

4.05

+0.01 (+0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-06 2025-08-06
Earnings (Next)11-10 2025-11-10
Inst Owners15.36%
Inst Owner ChangeN/A
Ins Owners88.09%
Ins Owner ChangeN/A
Market Cap340.48M
Revenue(TTM)405.41M
Net Income(TTM)-19636000
Analysts41.82
Price Target3.71 (-8.4%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.35%
Yearly Dividend0.25
Dividend Growth(5Y)N/A
DP-106.49%
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)3.81%
PT rev (3m)3.81%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-34%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.25%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 18.05
P/S 0.84
P/FCF N/A
P/OCF N/A
P/B 0.38
P/tB 0.41
EV/EBITDA N/A
EPS(TTM)-0.24
EYN/A
EPS(NY)0.22
Fwd EY5.54%
FCF(TTM)-0.32
FCFYN/A
OCF(TTM)-0.09
OCFYN/A
SpS4.82
BVpS10.64
TBVpS9.87
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.23%
ROE -2.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)0.72%
ROA(5y)0.87%
ROE(3y)5.21%
ROE(5y)5.89%
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 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 2.7
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 131.2%
Cap/Sales 4.78%
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
WACC5.16%
ROIC/WACCN/A
Cap/Depr(3y)144.27%
Cap/Depr(5y)226.52%
Cap/Sales(3y)9.94%
Cap/Sales(5y)13.18%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-115.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-219.2%
EPS Next Y-54.17%
EPS Next 2Y-14%
EPS Next 3Y-1.23%
EPS Next 5YN/A
Revenue 1Y (TTM)-17.64%
Revenue growth 3Y11.76%
Revenue growth 5Y30.2%
Sales Q2Q%-27.5%
Revenue Next Year-18.8%
Revenue Next 2Y-7.73%
Revenue Next 3Y-2.68%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y88.37%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y96.18%
OCF growth 3YN/A
OCF growth 5YN/A

ILLIMITY BANK SPA / ILTY.MI FAQ

What is the fundamental rating for ILTY stock?

ChartMill assigns a fundamental rating of 1 / 10 to ILTY.MI.


What is the valuation status of ILLIMITY BANK SPA (ILTY.MI) stock?

ChartMill assigns a valuation rating of 1 / 10 to ILLIMITY BANK SPA (ILTY.MI). This can be considered as Overvalued.


What is the profitability of ILTY stock?

ILLIMITY BANK SPA (ILTY.MI) has a profitability rating of 1 / 10.


Can you provide the financial health for ILTY stock?

The financial health rating of ILLIMITY BANK SPA (ILTY.MI) is 0 / 10.


Can you provide the dividend sustainability for ILTY stock?

The dividend rating of ILLIMITY BANK SPA (ILTY.MI) is 3 / 10 and the dividend payout ratio is -106.49%.