ILLIMITY BANK SPA (ILTY.MI) Fundamental Analysis & Valuation

BIT:ILTY • IT0005359192

Current stock price

4.05 EUR
+0.01 (+0.25%)
Last:

This ILTY.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. ILTY.MI Profitability Analysis

1.1 Basic Checks

  • In the past year ILTY has reported negative net income.
  • In the past year ILTY has reported a negative cash flow from operations.
  • ILTY had positive earnings in 4 of the past 5 years.
  • 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

  • The Return On Assets of ILTY (-0.23%) is worse than 68.09% of its industry peers.
  • Looking at the Return On Equity, with a value of -2.20%, ILTY is doing worse than 70.21% of the companies in the same industry.
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. ILTY.MI Health Analysis

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.
  • ILTY has more shares outstanding than it did 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

  • ILTY has a Debt/Equity ratio of 2.70. This is a high value indicating a heavy dependency on external financing.
  • ILTY has a worse Debt to Equity ratio (2.70) than 74.47% of its industry peers.
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

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. ILTY.MI Growth Analysis

3.1 Past

  • The earnings per share for ILTY have decreased strongly by -115.09% in the last year.
  • ILTY shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -17.64%.
  • Measured over the past years, ILTY shows a very strong growth in Revenue. The Revenue has been growing by 30.20% on average per year.
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

  • 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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1

4. ILTY.MI Valuation Analysis

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.
  • ILTY's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, ILTY is valued a bit cheaper.
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 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-14%
EPS Next 3Y-1.23%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. ILTY.MI Dividend Analysis

5.1 Amount

  • ILTY has a Yearly Dividend Yield of 3.35%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.44, ILTY pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, ILTY pays a better dividend.
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

  • 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-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

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ILTY.MI Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)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)-19.64M
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 Fundamental Analysis 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 for ILTY 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.


Is the dividend of ILLIMITY BANK SPA sustainable?

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