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ILLIMITY BANK SPA (ILTY.MI) Stock Fundamental Analysis

BIT:ILTY - Euronext Milan - IT0005359192 - Common Stock - Currency: EUR

3.658  +0.02 (+0.61%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to ILTY. ILTY was compared to 50 industry peers in the Financial Services industry. Both the profitability and financial health of ILTY have multiple concerns. ILTY does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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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 74.00% of its industry peers.
The Return On Equity of ILTY (-2.20%) is worse than 74.00% 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

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0

2. Health

2.1 Basic Checks

ILTY does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for ILTY has been reduced compared to 1 year ago.
The number of shares outstanding for ILTY has been increased compared to 5 years ago.
The debt/assets ratio for ILTY is higher compared to a year ago.
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.
ILTY has a Debt to Equity ratio of 2.70. This is in the lower half of the industry: ILTY underperforms 72.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.7
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.08%
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

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3

3. Growth

3.1 Past

The earnings per share for ILTY have decreased strongly by -115.09% in the last year.
The Revenue for ILTY has decreased by -17.64% in the past year. This is quite bad
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 small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.03% yearly.
Based on estimates for the next years, ILTY will show a decrease in Revenue. The Revenue will decrease by -2.30% on average per year.
EPS Next Y-30.56%
EPS Next 2Y-8.52%
EPS Next 3Y1.03%
EPS Next 5YN/A
Revenue Next Year-19%
Revenue Next 2Y-8.35%
Revenue Next 3Y-2.3%
Revenue Next 5YN/A

3.3 Evolution

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.
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

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2

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 10.76, which indicates a very decent valuation of ILTY.
ILTY's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ILTY is cheaper than 72.00% of the companies in the same industry.
ILTY is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.17, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 10.76
ILTY.MI Price Earnings VS Forward Price EarningsILTY.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20

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-8.52%
EPS Next 3Y1.03%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.68%, ILTY is a good candidate for dividend investing.
ILTY's Dividend Yield is rather good when compared to the industry average which is at 3.80. ILTY pays more dividend than 92.00% of the companies in the same industry.
ILTY's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 6.68%

5.2 History

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

5.3 Sustainability

The earnings of ILTY are negative and hence is the payout ratio. ILTY will probably not be able to sustain this dividend level.
DP-106.49%
EPS Next 2Y-8.52%
EPS Next 3Y1.03%
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

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ILLIMITY BANK SPA

BIT:ILTY (6/4/2025, 7:00:00 PM)

3.658

+0.02 (+0.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-07 2025-05-07
Earnings (Next)N/A N/A
Inst Owners15.54%
Inst Owner ChangeN/A
Ins Owners14.09%
Ins Owner ChangeN/A
Market Cap307.53M
Analysts77.78
Price Target3.67 (0.33%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.68%
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)0%
PT rev (3m)-6.09%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-14.53%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.34%
Revenue NY rev (3m)-5.86%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 10.76
P/S 0.76
P/FCF N/A
P/OCF N/A
P/B 0.34
P/tB 0.37
EV/EBITDA N/A
EPS(TTM)-0.24
EYN/A
EPS(NY)0.34
Fwd EY9.29%
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
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
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 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
WACC5.08%
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-30.56%
EPS Next 2Y-8.52%
EPS Next 3Y1.03%
EPS Next 5YN/A
Revenue 1Y (TTM)-17.64%
Revenue growth 3Y11.76%
Revenue growth 5Y30.2%
Sales Q2Q%-27.5%
Revenue Next Year-19%
Revenue Next 2Y-8.35%
Revenue Next 3Y-2.3%
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