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BANCA IFIS SPA (IF.MI) Stock Fundamental Analysis

BIT:IF - Euronext Milan - IT0003188064 - Common Stock - Currency: EUR

21.26  -0.06 (-0.28%)

Fundamental Rating

3

IF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 50 industry peers in the Financial Services industry. Both the profitability and financial health of IF have multiple concerns. IF has a decent growth rate and is not valued too expensively. IF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year IF was profitable.
In the past 5 years IF has always been profitable.
IF had a positive operating cash flow in 4 of the past 5 years.
IF.MI Yearly Net Income VS EBIT VS OCF VS FCFIF.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

1.2 Ratios

IF has a Return On Assets of 2.43%. This is comparable to the rest of the industry: IF outperforms 54.00% of its industry peers.
With a decent Return On Equity value of 19.36%, IF is doing good in the industry, outperforming 72.00% of the companies in the same industry.
Industry RankSector Rank
ROA 2.43%
ROE 19.36%
ROIC N/A
ROA(3y)1.12%
ROA(5y)0.94%
ROE(3y)9.25%
ROE(5y)7.72%
ROIC(3y)N/A
ROIC(5y)N/A
IF.MI Yearly ROA, ROE, ROICIF.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

1.3 Margins

IF's Profit Margin of 23.49% is fine compared to the rest of the industry. IF outperforms 66.00% of its industry peers.
In the last couple of years the Profit Margin of IF has declined.
IF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.49%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.5%
PM growth 5Y-2.7%
GM growth 3YN/A
GM growth 5YN/A
IF.MI Yearly Profit, Operating, Gross MarginsIF.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50 100 150

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1

2. Health

2.1 Basic Checks

IF does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for IF remains at a similar level compared to 1 year ago.
IF has less shares outstanding than it did 5 years ago.
The debt/assets ratio for IF has been reduced compared to a year ago.
IF.MI Yearly Shares OutstandingIF.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
IF.MI Yearly Total Debt VS Total AssetsIF.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B

2.2 Solvency

IF has a Debt/Equity ratio of 1.82. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of IF (1.82) is worse than 70.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.82
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.92%
IF.MI Yearly LT Debt VS Equity VS FCFIF.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
IF.MI Yearly Current Assets VS Current LiabilitesIF.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

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4

3. Growth

3.1 Past

IF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 38.74%, which is quite impressive.
IF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.97% yearly.
The Revenue has grown by 44.68% in the past year. This is a very strong growth!
Measured over the past years, IF shows a quite strong growth in Revenue. The Revenue has been growing by 8.52% on average per year.
EPS 1Y (TTM)38.74%
EPS 3Y17.8%
EPS 5Y5.97%
EPS Q2Q%133.41%
Revenue 1Y (TTM)44.68%
Revenue growth 3Y12.07%
Revenue growth 5Y8.52%
Sales Q2Q%142.24%

3.2 Future

Based on estimates for the next years, IF will show a small growth in Earnings Per Share. The EPS will grow by 0.66% on average per year.
Based on estimates for the next years, IF will show a decrease in Revenue. The Revenue will decrease by 0.00% on average per year.
EPS Next Y0.9%
EPS Next 2Y1.85%
EPS Next 3Y0.66%
EPS Next 5YN/A
Revenue Next Year0.68%
Revenue Next 2Y1.12%
Revenue Next 3Y0%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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.
IF.MI Yearly Revenue VS EstimatesIF.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
IF.MI Yearly EPS VS EstimatesIF.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 3.35 indicates a rather cheap valuation of IF.
IF's Price/Earnings ratio is rather cheap when compared to the industry. IF is cheaper than 88.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of IF to the average of the S&P500 Index (29.35), we can say IF is valued rather cheaply.
A Price/Forward Earnings ratio of 6.70 indicates a rather cheap valuation of IF.
Based on the Price/Forward Earnings ratio, IF is valued cheaper than 90.00% of the companies in the same industry.
IF is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 3.35
Fwd PE 6.7
IF.MI Price Earnings VS Forward Price EarningsIF.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
IF.MI Per share dataIF.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.72
PEG (5Y)0.56
EPS Next 2Y1.85%
EPS Next 3Y0.66%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 9.94%, IF is a good candidate for dividend investing.
IF's Dividend Yield is rather good when compared to the industry average which is at 3.76. IF pays more dividend than 96.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.33, IF pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.94%

5.2 History

On average, the dividend of IF grows each year by 14.46%, which is quite nice.
Dividend Growth(5Y)14.46%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

The dividend of IF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y1.85%
EPS Next 3Y0.66%
IF.MI Yearly Income VS Free CF VS DividendIF.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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BANCA IFIS SPA

BIT:IF (3/7/2025, 7:00:00 PM)

21.26

-0.06 (-0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-06 2025-03-06/amc
Earnings (Next)05-08 2025-05-08
Inst Owners13.84%
Inst Owner ChangeN/A
Ins Owners53.84%
Ins Owner ChangeN/A
Market Cap1.14B
Analysts84.62
Price Target24.46 (15.05%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 9.94%
Yearly Dividend1.62
Dividend Growth(5Y)14.46%
DP0%
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)1.01%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-2.47%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.2%
Revenue NY rev (3m)-1.81%
Valuation
Industry RankSector Rank
PE 3.35
Fwd PE 6.7
P/S 0.8
P/FCF N/A
P/OCF N/A
P/B 0.66
P/tB 0.69
EV/EBITDA N/A
EPS(TTM)6.35
EY29.87%
EPS(NY)3.17
Fwd EY14.93%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS26.53
BVpS32.19
TBVpS30.6
PEG (NY)3.72
PEG (5Y)0.56
Profitability
Industry RankSector Rank
ROA 2.43%
ROE 19.36%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.49%
GM N/A
FCFM N/A
ROA(3y)1.12%
ROA(5y)0.94%
ROE(3y)9.25%
ROE(5y)7.72%
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 3Y4.5%
PM growth 5Y-2.7%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 1.82
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
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-ScoreN/A
WACC5.92%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)38.74%
EPS 3Y17.8%
EPS 5Y5.97%
EPS Q2Q%133.41%
EPS Next Y0.9%
EPS Next 2Y1.85%
EPS Next 3Y0.66%
EPS Next 5YN/A
Revenue 1Y (TTM)44.68%
Revenue growth 3Y12.07%
Revenue growth 5Y8.52%
Sales Q2Q%142.24%
Revenue Next Year0.68%
Revenue Next 2Y1.12%
Revenue Next 3Y0%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A