Banca IFIS S.p.A. Logo

Banca IFIS S.p.A.

IF.MI

(2.8)
Stock Price

22,48 EUR

1.82% ROA

14.29% ROE

4.77x PER

Market Cap.

1.162.843.644,00 EUR

274.91% DER

9.49% Yield

17.2% NPM

Banca IFIS S.p.A. Stock Analysis

Banca IFIS S.p.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Banca IFIS S.p.A. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.54x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 ROE

ROE in an average range (9.85%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (1.2%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

6 Net Profit Growth

Throughout the last three years, this company has experienced consistent net profit growth, reflecting a robust financial performance and making it an attractive investment prospect.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 Dividend

The company's history of regular dividend distributions in the last three years showcases its ability to generate reliable income for shareholders.

9 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (77) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 DER

The stock is burdened with a heavy load of debt (158%), making it financially unstable and potentially risky for investors.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

Banca IFIS S.p.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Banca IFIS S.p.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Banca IFIS S.p.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Banca IFIS S.p.A. Revenue
Year Revenue Growth
2004 -354.000
2005 50.000 808%
2006 2.300.000 97.83%
2007 2.485.000 7.44%
2008 67.702.000 96.33%
2009 82.216.000 17.65%
2010 95.866.000 14.24%
2011 93.562.000 -2.46%
2012 246.213.000 62%
2013 265.722.534 7.34%
2014 282.020.250 5.78%
2015 402.286.000 29.9%
2016 360.035.000 -11.74%
2017 593.553.000 39.34%
2018 467.763.000 -26.89%
2019 520.728.000 10.17%
2020 489.002.000 -6.49%
2021 507.469.000 3.64%
2022 569.492.000 10.89%
2023 674.980.000 15.63%
2023 960.999.000 29.76%
2024 2.180.748.000 55.93%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Banca IFIS S.p.A. Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Banca IFIS S.p.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 10.321.000
2005 13.389.000 22.91%
2006 15.652.000 14.46%
2007 20.564.000 23.89%
2008 10.186.000 -101.88%
2009 12.356.000 17.56%
2010 13.902.000 11.12%
2011 21.527.000 35.42%
2012 15.808.000 -36.18%
2013 17.430.000 9.31%
2014 23.893.000 27.05%
2015 44.211.000 45.96%
2016 69.495.000 36.38%
2017 95.115.000 26.94%
2018 97.990.000 2.93%
2019 108.616.000 9.78%
2020 116.115.000 6.46%
2021 145.248.000 20.06%
2022 142.904.000 -1.64%
2023 212.584.000 32.78%
2023 173.131.000 -22.79%
2024 248.984.000 30.47%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Banca IFIS S.p.A. EBITDA
Year EBITDA Growth
2004 18.521.000
2005 25.364.000 26.98%
2006 26.560.000 4.5%
2007 32.753.000 18.91%
2008 79.488.000 58.8%
2009 60.997.000 -30.31%
2010 66.652.000 8.48%
2011 105.682.000 36.93%
2012 236.502.000 55.31%
2013 281.115.365 15.87%
2014 239.495.523 -17.38%
2015 290.919.000 17.68%
2016 783.796.000 62.88%
2017 367.075.000 -113.52%
2018 320.623.000 -14.49%
2019 305.906.000 -4.81%
2020 216.908.000 -41.03%
2021 280.197.000 22.59%
2022 341.646.000 17.99%
2023 217.764.000 -56.89%
2023 15.900.000 -1269.58%
2024 -2.800.000 667.86%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Banca IFIS S.p.A. Gross Profit
Year Gross Profit Growth
2004 -354.000
2005 50.000 808%
2006 2.300.000 97.83%
2007 2.485.000 7.44%
2008 67.702.000 96.33%
2009 82.216.000 17.65%
2010 95.866.000 14.24%
2011 93.562.000 -2.46%
2012 246.213.000 62%
2013 265.722.534 7.34%
2014 282.020.250 5.78%
2015 402.286.000 29.9%
2016 360.035.000 -11.74%
2017 593.553.000 39.34%
2018 467.763.000 -26.89%
2019 520.728.000 10.17%
2020 489.002.000 -6.49%
2021 507.469.000 3.64%
2022 569.492.000 10.89%
2023 674.980.000 15.63%
2023 730.671.000 7.62%
2024 2.180.748.000 66.49%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Banca IFIS S.p.A. Net Profit
Year Net Profit Growth
2004 8.734.000
2005 14.948.000 41.57%
2006 15.012.000 0.43%
2007 19.534.000 23.15%
2008 22.801.000 14.33%
2009 17.216.000 -32.44%
2010 18.626.000 7.57%
2011 26.535.000 29.81%
2012 78.076.000 66.01%
2013 83.403.440 6.39%
2014 94.396.413 11.65%
2015 161.966.000 41.72%
2016 687.945.000 76.46%
2017 180.767.000 -280.57%
2018 146.763.000 -23.17%
2019 123.097.000 -19.23%
2020 68.804.000 -78.91%
2021 100.582.000 31.59%
2022 141.086.000 28.71%
2023 134.820.000 -4.65%
2023 160.110.000 15.8%
2024 374.456.000 57.24%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Banca IFIS S.p.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 0
2005 1 0%
2006 0 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 0 0%
2011 1 0%
2012 1 100%
2013 2 0%
2014 2 0%
2015 3 66.67%
2016 13 76.92%
2017 3 -333.33%
2018 3 -50%
2019 2 0%
2020 1 -100%
2021 2 0%
2022 3 50%
2023 3 0%
2023 3 33.33%
2024 7 57.14%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Banca IFIS S.p.A. Free Cashflow
Year Free Cashflow Growth
2004 -1.706.000
2005 -28.977.000 94.11%
2006 7.063.000 510.26%
2007 -9.521.000 174.18%
2008 3.563.000 367.22%
2009 19.648.000 81.87%
2010 -36.883.000 153.27%
2011 2.457.000 1601.14%
2012 2.722.200.000 99.91%
2013 1.955.952.694 -39.18%
2014 -991.363.214 297.3%
2015 32.114.000 3187.01%
2016 150.537.000 78.67%
2017 43.248.000 -248.08%
2018 63.838.000 32.25%
2019 126.244.000 49.43%
2020 -17.968.000 802.6%
2021 52.789.000 134.04%
2022 382.379.000 86.19%
2023 98.780.000 -287.1%
2024 68.890.000 -43.39%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Banca IFIS S.p.A. Operating Cashflow
Year Operating Cashflow Growth
2004 3.450.000
2005 -22.207.000 115.54%
2006 15.327.000 244.89%
2007 -4.166.000 467.91%
2008 8.928.000 146.66%
2009 22.941.000 61.08%
2010 -34.691.000 166.13%
2011 12.908.000 368.76%
2012 2.725.826.000 99.53%
2013 1.960.492.017 -39.04%
2014 -977.443.240 300.57%
2015 38.084.000 2666.55%
2016 175.227.000 78.27%
2017 81.735.000 -114.38%
2018 78.159.000 -4.58%
2019 140.724.000 44.46%
2020 29.046.000 -384.49%
2021 73.422.000 60.44%
2022 399.952.000 81.64%
2023 143.464.000 -178.78%
2024 91.587.000 -56.64%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Banca IFIS S.p.A. Capital Expenditure
Year Capital Expenditure Growth
2004 5.156.000
2005 6.770.000 23.84%
2006 8.264.000 18.08%
2007 5.355.000 -54.32%
2008 5.365.000 0.19%
2009 3.293.000 -62.92%
2010 2.192.000 -50.23%
2011 10.451.000 79.03%
2012 3.626.000 -188.22%
2013 4.539.323 20.12%
2014 13.919.974 67.39%
2015 5.970.000 -133.17%
2016 24.690.000 75.82%
2017 38.487.000 35.85%
2018 14.321.000 -168.75%
2019 14.480.000 1.1%
2020 47.014.000 69.2%
2021 20.633.000 -127.86%
2022 17.573.000 -17.41%
2023 44.684.000 60.67%
2024 22.697.000 -96.87%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Banca IFIS S.p.A. Equity
Year Equity Growth
2004 54.238.000
2005 100.313.000 45.93%
2006 108.318.000 7.39%
2007 133.995.000 19.16%
2008 153.106.000 12.48%
2009 155.839.000 1.75%
2010 206.613.000 24.57%
2011 196.282.000 -5.26%
2012 309.017.000 36.48%
2013 376.240.278 17.87%
2014 433.160.678 13.14%
2015 573.467.000 24.47%
2016 1.218.783.000 52.95%
2017 1.368.719.000 10.95%
2018 1.459.000.000 6.19%
2019 1.538.953.000 5.2%
2020 1.549.962.000 0.71%
2021 1.623.888.000 4.55%
2022 1.597.781.000 -1.63%
2023 1.705.099.000 6.29%
2023 1.693.699.000 -0.67%
2024 1.736.432.000 2.46%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Banca IFIS S.p.A. Assets
Year Assets Growth
2004 508.664.000
2005 876.706.000 41.98%
2006 1.092.645.000 19.76%
2007 1.275.404.000 14.33%
2008 1.359.404.000 6.18%
2009 1.973.411.000 31.11%
2010 2.802.119.000 29.57%
2011 3.914.171.000 28.41%
2012 8.124.130.000 51.82%
2013 11.331.073.260 28.3%
2014 8.302.952.515 -36.47%
2015 6.957.720.000 -19.33%
2016 8.699.145.000 20.02%
2017 9.569.859.000 9.1%
2018 9.382.261.000 -2%
2019 10.526.024.000 10.87%
2020 12.026.196.000 12.47%
2021 12.977.891.000 7.33%
2022 13.262.377.000 2.15%
2023 13.920.393.000 4.73%
2023 14.051.361.000 0.93%
2024 13.472.786.000 -4.29%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Banca IFIS S.p.A. Liabilities
Year Liabilities Growth
2004 41.362.000
2005 35.510.000 -16.48%
2006 42.693.000 16.82%
2007 36.134.000 -18.15%
2008 91.356.000 60.45%
2009 1.817.572.000 94.97%
2010 2.595.506.000 29.97%
2011 0 0%
2012 7.815.113.000 100%
2013 10.954.832.982 28.66%
2014 7.869.791.837 -39.2%
2015 6.384.253.000 -23.27%
2016 7.480.362.000 14.65%
2017 8.201.140.000 8.79%
2018 7.923.261.000 -3.51%
2019 8.987.071.000 11.84%
2020 10.476.234.000 14.21%
2021 11.354.003.000 7.73%
2022 11.664.596.000 2.66%
2023 3.209.338.000 -263.46%
2023 12.357.662.000 74.03%
2024 11.736.354.000 -5.29%

Banca IFIS S.p.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
26.96
Net Income per Share
4.64
Price to Earning Ratio
4.77x
Price To Sales Ratio
0.82x
POCF Ratio
8
PFCF Ratio
12.57
Price to Book Ratio
0.68
EV to Sales
3.73
EV Over EBITDA
85.78
EV to Operating CashFlow
36.37
EV to FreeCashFlow
57.09
Earnings Yield
0.21
FreeCashFlow Yield
0.08
Market Cap
1,16 Bil.
Enterprise Value
5,28 Bil.
Graham Number
58.47
Graham NetNet
-235.56

Income Statement Metrics

Net Income per Share
4.64
Income Quality
0.89
ROE
0.14
Return On Assets
0.02
Return On Capital Employed
0.02
Net Income per EBT
0.66
EBT Per Ebit
1.91
Ebit per Revenue
0.14
Effective Tax Rate
0.33

Margins

Sales, General, & Administrative to Revenue
0.15
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.94
Operating Profit Margin
0.14
Pretax Profit Margin
0.26
Net Profit Margin
0.17

Dividends

Dividend Yield
0.09
Dividend Yield %
9.49
Payout Ratio
0.46
Dividend Per Share
2.1

Operating Metrics

Operating Cashflow per Share
2.76
Free CashFlow per Share
1.76
Capex to Operating CashFlow
0.36
Capex to Revenue
0.04
Capex to Depreciation
2.64
Return on Invested Capital
0.02
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
1

Balance Sheet

Cash per Share
-12,13
Book Value per Share
33,06
Tangible Book Value per Share
31.54
Shareholders Equity per Share
32.77
Interest Debt per Share
90.08
Debt to Equity
2.75
Debt to Assets
0.35
Net Debt to EBITDA
66.9
Current Ratio
0.59
Tangible Asset Value
1,66 Bil.
Net Current Asset Value
-11,06 Bil.
Invested Capital
-228324000
Working Capital
-0,46 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
4.07

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Banca IFIS S.p.A. Dividends
Year Dividends Growth
1999 37
2000 22 -63.64%
2001 22 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2012 0 0%
2013 0 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2021 1 0%
2022 2 0%
2023 2 0%
2024 1 0%

Banca IFIS S.p.A. Profile

About Banca IFIS S.p.A.

Banca IFIS S.p.A. provides credit services and solutions for enterprises. It engages in the purchase/management of non-performing loan portfolios. It offers factoring, advisory and equity investment, structured finance, leasing, and long-term financing for industrial investments. The company was founded in 1983 and is based in Mestre, Italy. Banca IFIS S.p.A. is a subsidiary of La Scogliera S.p.A.

CEO
Engineer Frederik Herman Geert
Employee
1.979
Address
Via Terraglio 63
Mestre, 30174

Banca IFIS S.p.A. Executives & BODs

Banca IFIS S.p.A. Executives & BODs
# Name Age
1 Mr. Roberto Ferrari
Chief Financial Officer
70
2 Mr. Andrea Martino Da Rio
Investor Relations & Corporate Development Director
70
3 Ms. Lucia Martinoli
Group Legal and Corporate Affairs Director
70
4 Ms. Rosalba Benedetto
Chief of Chairman Staff and Chief Comm, Marketing, Public Affairs & Sust Officer
70
5 Mr. Mauro Baracchi
Human Resources Director
70
6 Mr. Raffaele Zingone
Co-General Manager & Chief Commercial Officer
70
7 Mr. Fabio Lanza
Co-General Manager & Chief Operating Officer
70
8 Engineer Frederik Herman Geertman
Chief Executive Officer & Director
70
9 Mr. Francesco Peluso
Head of Compliance
70
10 Mr. Alberto Staccione
Chief Lending Officer
70

Banca IFIS S.p.A. Competitors

Banca Generali S.p.A. Logo
Banca Generali S.p.A.

BGN.MI

(1.8)
Anima Holding SpA Logo
Anima Holding SpA

ANIM.MI

(2.8)
BFF Bank S.p.A. Logo
BFF Bank S.p.A.

BFF.MI

(2.2)
Biesse S.p.A. Logo
Biesse S.p.A.

BSS.MI

(1.8)
Azimut Holding S.p.A. Logo
Azimut Holding S.p.A.

AZM.MI

(2.5)