(IF) Banca IFIS - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: MI (Italy) | Market Cap: 1.178m EUR | Total Return: -9.2% in 12m
Avg Turnover: 5.43M
Rev. Trend: -8.2%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Banca IFIS S.p.A. is an Italian financial institution based in Mestre that specializes in credit services for small and medium-sized enterprises (SMEs). Its core business model integrates commercial banking functions, such as factoring and leasing, with a significant focus on the acquisition and management of non-performing loan (NPL) portfolios.
The company operates within the specialized finance sector, providing structured finance, M&A advisory, and salary-backed loans alongside traditional corporate banking products. Factoring remains a critical component of its operations, a business model where a firm sells its accounts receivable to a third party at a discount to meet immediate cash flow needs. In the Italian market, the NPL segment is particularly relevant as banks continue to deleverage balance sheets by selling distressed debt to specialized recovery firms like IFIS.
For a deeper look into the companys valuation metrics and historical performance, consider reviewing the data available on ValueRay.
- Growth in NPL portfolio acquisition and management drives recurring fee income
- Net interest margin sensitivity to European Central Bank monetary policy shifts
- Expansion of SME factoring and leasing services increases core interest income
- Asset quality stability hinges on Italian macroeconomic recovery and corporate solvency
- Digital transformation initiatives reduce operational costs and improve efficiency ratios
| Net Income: 744.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 1.93 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.01 > 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: 6.43% > 50% (prev 4.42%; Δ 2.01% > 0%) |
| Interest Coverage Ratio: 1.75 > 6 (EBITDA TTM 874.1m / Interest Expense TTM 474.6m) |
As of May 24, 2026, the stock is trading at EUR 19.43 with a total of 275,771 shares traded.
Over the past week, the price has changed by -2.46%,
over one month by -11.41%,
over three months by -18.13% and
over the past year by -9.15%.
Banca IFIS has no consensus analysts rating.
P/E Trailing = 3.6173
P/E Forward = 6.7889
P/S = 1.6448
P/B = 0.5942
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 = 703.6m EUR (1.18b + (null Debt) - CCE 474.0m)
Interest Coverage Ratio = 1.75 (Ebit TTM 832.3m / Interest Expense TTM 474.6m)
EV/FCF = 35.62x (Enterprise Value 703.6m / FCF TTM 19.8m)
FCF Yield = 2.81% (FCF TTM 19.8m / Enterprise Value 703.6m)
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 = 0.05 (Enterprise Value 703.6m / Total Assets 13.6b)
Interest Expense / Debt = unknown (Interest Expense 474.6m / Debt none)
Taxrate = 37.95% (19.2m / 50.5m)
NOPAT = 516.4m (EBIT 832.3m * (1 - 37.95%))
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 = 5.48% (Net Income 744.4m / Total Assets 13.6b)
RoE = 34.79% (Net Income TTM 744.4m / Total Stockholder Equity 2.14b)
RoCE = 12.67% (EBIT 832.3m / Capital Employed (Equity 2.14b + L.T.Debt 4.43b))
RoIC = unknown (NOPAT 516.4m, Invested Capital 0.0, EBIT 832.3m)
WACC = 7.55% (E(1.18b)/V(1.18b) * Re(7.55%) + (debt-free company))
Discount Rate = 7.55% (= 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=2.03 | Chg30d=-18.62% | Revisions=-20% | GrowthEPS=+0.0% | GrowthRev=+26.9%
EPS next Year (2027-12-31): EPS=3.30 | Chg30d=-1.98% | Revisions=-20% | GrowthEPS=+62.8% | GrowthRev=+8.7%
[Analyst] Revisions Ratio: -20%