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ILLIMITY BANK SPA (ILTY.MI) Stock Fundamental Analysis

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

3.47  -0.01 (-0.23%)

Fundamental Rating

2

Taking everything into account, ILTY scores 2 out of 10 in our fundamental rating. ILTY was compared to 50 industry peers in the Financial Services industry. ILTY may be in some trouble as it scores bad on both profitability and health. ILTY is valued correctly, but it does not seem to be growing. ILTY also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year ILTY was profitable.
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 0 200M -200M 400M -400M 600M

1.2 Ratios

With a Return On Assets value of 1.34%, ILTY is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 11.39%, ILTY is in line with its industry, outperforming 54.00% of the companies in the same industry.
Industry RankSector Rank
ROA 1.34%
ROE 11.39%
ROIC N/A
ROA(3y)1.34%
ROA(5y)0.85%
ROE(3y)9.47%
ROE(5y)6.16%
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 0 5 10

1.3 Margins

ILTY has a better Profit Margin (22.68%) than 64.00% of its industry peers.
ILTY's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for ILTY so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 22.68%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y26.34%
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 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 increased compared to 1 year ago.
Compared to 5 years ago, ILTY has more shares outstanding
ILTY has a better debt/assets ratio than last year.
ILTY.MI Yearly Shares OutstandingILTY.MI Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 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 2B 4B 6B

2.2 Solvency

ILTY has a Debt/Equity ratio of 2.62. This is a high value indicating a heavy dependency on external financing.
ILTY has a worse Debt to Equity ratio (2.62) than 76.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.62
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.46%
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 0 500M

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 200M 400M 600M 800M

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3

3. Growth

3.1 Past

ILTY shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -25.64%.
The Earnings Per Share has been growing by 37.49% on average over the past years. This is a very strong growth
The Revenue has decreased by -7.42% in the past year.
Measured over the past years, ILTY shows a very strong growth in Revenue. The Revenue has been growing by 114.63% on average per year.
EPS 1Y (TTM)-25.64%
EPS 3Y37.49%
EPS 5YN/A
EPS Q2Q%-64.26%
Revenue 1Y (TTM)-7.42%
Revenue growth 3Y18.51%
Revenue growth 5Y114.63%
Sales Q2Q%-30.36%

3.2 Future

Based on estimates for the next years, ILTY will show a decrease in Earnings Per Share. The EPS will decrease by -8.13% on average per year.
Based on estimates for the next years, ILTY will show a decrease in Revenue. The Revenue will decrease by -1.22% on average per year.
EPS Next Y-60.57%
EPS Next 2Y-43.4%
EPS Next 3Y-27.19%
EPS Next 5Y-8.13%
Revenue Next Year-11.01%
Revenue Next 2Y-12.5%
Revenue Next 3Y-6.81%
Revenue Next 5Y-1.22%

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.
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 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 0.5 1

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 3.15, which indicates a rather cheap valuation of ILTY.
Compared to the rest of the industry, the Price/Earnings ratio of ILTY indicates a rather cheap valuation: ILTY is cheaper than 90.00% of the companies listed in the same industry.
ILTY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.
A Price/Forward Earnings ratio of 8.72 indicates a reasonable valuation of ILTY.
ILTY's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ILTY is cheaper than 80.00% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, ILTY is valued rather cheaply.
Industry RankSector Rank
PE 3.15
Fwd PE 8.72
ILTY.MI Price Earnings VS Forward Price EarningsILTY.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
ILTY.MI Per share dataILTY.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6 8 10

4.3 Compensation for Growth

ILTY's earnings are expected to decrease with -27.19% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-43.4%
EPS Next 3Y-27.19%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.15%, ILTY is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.76, ILTY pays a better dividend. On top of this ILTY pays more dividend than 92.00% of the companies listed in the same industry.
ILTY's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 7.15%

5.2 History

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

5.3 Sustainability

19.19% of the earnings are spent on dividend by ILTY. This is a low number and sustainable payout ratio.
DP19.19%
EPS Next 2Y-43.4%
EPS Next 3Y-27.19%
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 0 200M -200M 400M -400M 600M
ILTY.MI Dividend Payout.ILTY.MI Dividend Payout, showing the Payout Ratio.ILTY.MI Dividend Payout.PayoutRetained Earnings

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ILLIMITY BANK SPA

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

3.47

-0.01 (-0.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-06 2025-02-06/amc
Earnings (Next)05-07 2025-05-07
Inst Owners15.54%
Inst Owner ChangeN/A
Ins Owners14.09%
Ins Owner ChangeN/A
Market Cap291.72M
Analysts77.78
Price Target3.88 (11.82%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.15%
Yearly Dividend0.18
Dividend Growth(5Y)N/A
DP19.19%
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)-13.64%
PT rev (3m)-25.97%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-15.29%
EPS NY rev (3m)-22.58%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-3.12%
Revenue NY rev (3m)3.16%
Valuation
Industry RankSector Rank
PE 3.15
Fwd PE 8.72
P/S 0.61
P/FCF N/A
P/OCF N/A
P/B 0.31
P/tB 0.37
EV/EBITDA N/A
EPS(TTM)1.1
EY31.7%
EPS(NY)0.4
Fwd EY11.46%
FCF(TTM)-2.33
FCFYN/A
OCF(TTM)-1.93
OCFYN/A
SpS5.71
BVpS11.36
TBVpS9.49
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.34%
ROE 11.39%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.68%
GM N/A
FCFM N/A
ROA(3y)1.34%
ROA(5y)0.85%
ROE(3y)9.47%
ROE(5y)6.16%
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 3Y26.34%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score1
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 2.62
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 133.96%
Cap/Sales 6.98%
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-Score1
WACC5.46%
ROIC/WACCN/A
Cap/Depr(3y)167.52%
Cap/Depr(5y)359.64%
Cap/Sales(3y)11.23%
Cap/Sales(5y)18.61%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-25.64%
EPS 3Y37.49%
EPS 5YN/A
EPS Q2Q%-64.26%
EPS Next Y-60.57%
EPS Next 2Y-43.4%
EPS Next 3Y-27.19%
EPS Next 5Y-8.13%
Revenue 1Y (TTM)-7.42%
Revenue growth 3Y18.51%
Revenue growth 5Y114.63%
Sales Q2Q%-30.36%
Revenue Next Year-11.01%
Revenue Next 2Y-12.5%
Revenue Next 3Y-6.81%
Revenue Next 5Y-1.22%
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 1Y-9.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-7.54%
OCF growth 3YN/A
OCF growth 5YN/A