ILLIMITY BANK SPA (ILTY.MI) Stock Fundamental Analysis

BIT:ILTY • IT0005359192

4.05 EUR
+0.01 (+0.25%)
Last: Sep 16, 2025, 05:25 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to ILTY. ILTY was compared to 56 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

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1. Profitability

1.1 Basic Checks

  • ILTY had negative earnings in the past year.
  • ILTY had a negative operating cash flow in the past year.
  • 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

  • The Return On Assets of ILTY (-0.23%) is worse 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. Health

2.1 Basic Checks

  • ILTY does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, ILTY has less shares outstanding
  • 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

  • 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

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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%.
  • Looking at the last year, ILTY shows a very negative growth in Revenue. The Revenue has decreased by -17.64% in the last year.
  • ILTY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 30.20% yearly.
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

  • Based on estimates for the next years, ILTY will show a decrease in Earnings Per Share. The EPS will decrease by -1.23% on average per year.
  • 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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Find the best growth stocksShow best growing peers

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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.
  • With a Price/Forward Earnings ratio of 18.05, ILTY is valued on the expensive side.
  • ILTY's Price/Forward Earnings ratio is in line with the industry average.
  • ILTY is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.02, which is the current average of the S&P500 Index.
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%

More info and screens

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

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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 2.21.
  • Compared to an average S&P500 Dividend Yield of 1.81, 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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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 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%.