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ILLIMITY BANK SPA (ILTY.MI) Stock Fundamental Analysis

Europe - Euronext Milan - 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 53 industry peers in the Financial Services industry. ILTY has a bad profitability rating. Also its financial health evaluation is rather negative. ILTY is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

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.
Of the past 5 years ILTY 4 years were profitable.
In multiple years ILTY reported negative operating cash flow during the last 5 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 Return On Assets of -0.23%. This is in the lower half of the industry: ILTY underperforms 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. 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.
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

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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3. Growth

3.1 Past

ILTY shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -115.09%.
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 decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.23% yearly.
ILTY is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.68% yearly.
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

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4. Valuation

4.1 Price/Earnings Ratio

ILTY reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
ILTY is valuated rather expensively with a Price/Forward Earnings ratio of 18.05.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ILTY is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of ILTY to the average of the S&P500 Index (34.45), we can say ILTY is valued slightly 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 30 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%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.35%, ILTY has a reasonable but not impressive dividend return.
ILTY's Dividend Yield is a higher than the industry average which is at 3.54.
ILTY's Dividend Yield is a higher than the S&P500 average which is at 2.41.
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

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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)-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 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%.