IF Stock Analysis: Banca IFIS | MI
Banks - Regional | MI, Italy | Market Cap: 776m EUR | 12M Return: -38% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.71M
Rev. Trend: -8.2%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Banca IFIS S.p.A. is an Italian financial services group listed on Borsa Italiana (ticker: IF) and classified within the GICS Specialized Finance sub-industry. Founded in 1983 and headquartered in Mestre, the company focuses on providing financial solutions primarily to enterprises, with a business model built around three main pillars: commercial banking services (factoring, leasing, structured finance, and medium/long-term loans), retail credit (salary-backed loans, or cessione del quinto), and the purchase and management of non-performing loan (NPL) portfolios.
The company offers a broad product range, including savings and current accounts, time deposits, and insurance for clients; factoring, advisory, equity investment, structured finance, leasing, and industrial investment loans for businesses; salary-backed loan servicing technology; and financial advisory and M&A services. It also operates in cross-border trade finance, providing import/export factoring and foreign banking services.
Banca IFISs factoring and NPL management activities place it in segments that have historically been important in Italy, where SMEs form the backbone of the economy and where the secondary market for non-performing loans developed significantly following the European banking sectors cleanup of legacy distressed assets in the 2010s. Salary-backed loans, meanwhile, represent a distinct Italian consumer credit product guaranteed by the borrowers employer, typically repaid through direct deduction from the paycheck.
- Italian SME factoring demand drives core segment loan growth
- NPL portfolio acquisitions expand with rising distressed debt supply
- ECB rate hikes expand net interest margin on core banking book
| Net Income: 744.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 1.88 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.00 > 3% & CFO 88.5m > Net Income 744.4m |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (61.1m) vs 12m ago 16.18% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 5.06% > 50% (prev 4.42%; Δ 0.64% > 0%) |
| Interest Coverage Ratio: 1.75 > 6 (EBIT TTM 832.3m / Interest Expense TTM 474.6m) |
As of July 08, 2026, the stock is trading at EUR 12.96 with a total of 907,148 shares traded. Over the past week, the price has changed by +1.97%, over one month by -37.63%, over three months by -37.74% and over the past year by -38.01%.
Current recommended Stop Loss: 11.70 (which is 9.7% or 1.2 ATR below the current price).
Banca IFIS has no consensus analysts rating.
P/E Trailing = 2.3846
P/E Forward = 6.7889
P/S = 1.0843
P/B = 0.3491
Revenue TTM = 873.5m EUR
EBIT TTM = 832.3m EUR
EBITDA TTM = 874.1m EUR
Long Term Debt = 4.43b EUR (from longTermDebt, last fiscal year)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 302.3m EUR (776.3m + (null Debt) - CCE 474.0m)
Interest Coverage Ratio = 1.75 (Ebit TTM 832.3m / Interest Expense TTM 474.6m)
EV/FCF = 15.30x (Enterprise Value 302.3m / FCF TTM 19.8m)
FCF Yield = 6.53% (FCF TTM 19.8m / Enterprise Value 302.3m)
FCF Margin = 2.26% (FCF TTM 19.8m / Revenue TTM 873.5m)
Net Margin = 85.23% (Net Income TTM 744.4m / Revenue TTM 873.5m)
Gross Margin = unknown ((Revenue TTM 873.5m - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.01 (Enterprise Value 302.3m / Total Assets 20.9b)
Interest Expense / Debt = unknown (Interest Expense 474.6m / Debt none)
Taxrate = 10.42% (86.7m / 832.3m)
NOPAT = 745.6m (EBIT 832.3m * (1 - 10.42%))
Current Ratio = unknown (Total Current Assets 474.0m / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 874.1m)
Debt / FCF = unknown (Net Debt none / FCF TTM 19.8m)
Total Stockholder Equity = 2.10b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.31% (Net Income 744.4m / Total Assets 20.9b)
RoE = 35.49% (Net Income TTM 744.4m / Total Stockholder Equity 2.10b)
RoCE = 12.75% (EBIT 832.3m / Capital Employed (Equity 2.10b + L.T.Debt 4.43b))
RoIC = unknown (NOPAT 745.6m, Invested Capital 0.0, EBIT 832.3m)
WACC = 6.74% (E(776.3m)/V(776.3m) * Re(6.74%) + (debt-free company))
Discount Rate = 6.74% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -2.33 | Cagr: -0.63%
[DCF] Terminal Value 75.44% ; FCFF base≈19.8m ; Y1≈19.8m ; Y5≈21.0m
[DCF] Fair Price = 5.35 (EV 326.8m - Net Debt 0.0 = Equity 326.8m / Shares 61.1m; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
Revenue Correlation: -8.25 | Revenue CAGR: -2.41% | SUE: 0.12 | # QB: 0
EPS current Year (2026-12-31): EPS=2.19 | Chg30d=+8.27% | Revisions=-25% | GrowthEPS=+16.7% | GrowthRev=+23.1%
EPS next Year (2027-12-31): EPS=2.55 | Chg30d=-21.69% | Revisions=-25% | GrowthEPS=+16.3% | GrowthRev=+5.4%
[Analyst] Revisions Ratio: -40% (up=0, down=2)