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Banca Ifis SPA
(IF)
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Rating:63Neutral
Price Target:
€16.00
▲(7.31% Upside)
Action:Reiterated
Date:06/28/26
The score is driven by very strong valuation (low P/E and very high dividend yield) and improved profitability, but it is held back by elevated financial risk from sharply higher leverage, two years of negative operating/free cash flow, and a clearly bearish technical trend with very weak momentum.
Positive Factors
Specialized SME lending and NPE credit-management model
A focused business model on SME factoring and NPE/distressed-credit management builds durable, structural revenue streams: interest and fee income from factoring plus recovery upside from purchased NPEs. This vertical expertise supports cross-selling and positions the bank in niches with persistent demand.
Negative Factors
Sharply higher leverage and debt load
A large jump in debt and leverage materially increases financial risk and reduces balance-sheet flexibility. For a bank engaged in SME lending and NPE purchases, higher leverage amplifies sensitivity to funding-cost shocks, asset-quality deterioration, and regulatory/capital constraints over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Specialized SME lending and NPE credit-management model
A focused business model on SME factoring and NPE/distressed-credit management builds durable, structural revenue streams: interest and fee income from factoring plus recovery upside from purchased NPEs. This vertical expertise supports cross-selling and positions the bank in niches with persistent demand.
Read all positive factors
Banca Ifis SPA (IF) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€902.71M
Dividend Yield13.77%
Average Volume (3M)145.18K
Price to Earnings (P/E)3.6
Beta (1Y)1.12
Revenue Growth67.89%
EPS Growth44.85%
CountryIT
Employees2,369
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.32
Shares Outstanding61,540,455
10 Day Avg. Volume166,734
30 Day Avg. Volume145,175
Financial Highlights & Ratios
PEG Ratio0.07
Price to Book (P/B)0.74
Price to Sales (P/S)1.51
P/FCF Ratio-9.41
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€15.55Price Target Upside4.29% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)0.8
Revenue Forecast (FY)€796.58M
Banca Ifis SPA Business Overview & Revenue Model
Company Description
Banca IFIS S.p.A., established in 1983 and headquartered in Mestre, Italy, specializes in providing bespoke credit services and financial solutions to businesses. A significant part of its operations involves the acquisition and management of port...
How the Company Makes Money
Banca Ifis primarily generates revenue through a mix of net interest income and fee/commission income tied to specialized banking and credit management activities.
1) Specialized lending and SME finance (core banking):
- Net interest income: The ...
Banca Ifis SPA Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
56
Neutral
Cash Flow
34
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.58B | 1.04B | 1.04B | 941.90M | 683.73M | 621.62M |
| Gross Profit | 1.14B | 922.63M | 607.08M | 598.84M | 569.49M | 507.47M |
| EBITDA | 322.53M | 413.63M | 268.60M | 255.14M | 228.71M | 167.77M |
| Net Income | 279.95M | 328.00M | 161.58M | 160.11M | 141.09M | 100.58M |
Balance Sheet | ||||||
| Total Assets | 21.14B | 21.65B | 13.83B | 14.05B | 13.26B | 12.98B |
| Cash, Cash Equivalents and Short-Term Investments | 568.05M | 814.76M | 579.01M | 883.83M | 610.36M | 708.57M |
| Total Debt | 9.14B | 7.46B | 3.67B | 5.17B | 2.74B | 2.62B |
| Total Liabilities | 19.07B | 19.51B | 12.08B | 12.36B | 11.66B | 11.35B |
| Stockholders Equity | 2.06B | 2.12B | 1.73B | 1.68B | 1.59B | 1.60B |
Cash Flow | ||||||
| Free Cash Flow | -64.04M | -165.93M | -223.72M | 400.73M | 382.38M | 52.79M |
| Operating Cash Flow | -37.31M | -118.77M | -191.52M | 445.41M | 399.95M | 73.42M |
| Investing Cash Flow | 278.90M | 94.70M | -50.66M | -105.85M | -17.51M | 73.54M |
| Financing Cash Flow | -83.16M | 306.34M | -110.34M | -85.16M | -134.69M | -83.18M |
Banca Ifis SPA Technical Analysis
Negative
14.91
Price Trends
16.70
Negative
18.81
Negative
21.15
Negative
Market Momentum
-0.27
Negative
50.88
Neutral
86.05
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:IF, the sentiment is Negative. The current price of 14.91 is below the 20-day moving average (MA) of 15.02, below the 50-day MA of 16.70, and below the 200-day MA of 21.15, indicating a neutral trend. The MACD of -0.27 indicates Negative momentum. The RSI at 50.88 is Neutral, neither overbought nor oversold. The STOCH value of 86.05 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IT:IF.
Banca Ifis SPA Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | €25.85B | 8.97 | 18.53% | 6.38% | -22.42% | -19.53% | |
71 Outperform | €6.96B | 12.42 | 11.70% | 3.96% | -1.80% | -15.66% | |
70 Outperform | €30.16B | 13.27 | 12.80% | 4.75% | 15.23% | 1.44% | |
64 Neutral | €2.20B | 17.40 | 8.62% | 4.86% | 1.80% | 13.22% | |
63 Neutral | €902.71M | 3.56 | 14.87% | 14.22% | 67.89% | 44.85% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
46 Neutral | €335.68M | -19.58 | -9.07% | 4.36% | 9.22% | 24.89% |
* General Sector Average
IT:IF
Banca Ifis SPA
15.26
-5.50
-26.50%
IT:BAMI
Banco BPM S.p.A.
16.98
6.02
54.94%
IT:BDB
Banco di Desio e Della Brianza SPA
17.26
10.21
144.96%
IT:BPE
BPER Banca S.p.A.
14.58
5.94
68.76%
IT:CE
Credito Emiliano SPA Credem
20.46
7.36
56.22%
IT:DOV
doValue S.p.A
1.87
-0.69
-26.98%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.