Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
IF.MI
HOLDREMOVEBanca IFIS S.p.A. · Financial Services · Italy · $1.5B · Avg Vol: $8M/d
Banca IFIS is a specialized Italian financial institution focused on non-performing loans and factoring. It is highly cyclical, lacks global scale, and does not align with our high-conviction macro themes.
COMPANY DESCRIPTION
Banca IFIS S.p.A. is a specialty finance bank in Italy focused on commercial credit (factoring and leasing) for small and medium enterprises (SMEs) and the acquisition of non-performing loan (NPL) portfolios. The bank's competitive moat lies in its proprietary credit risk assessment models and dominant position in the Italian SME factoring market. Banca IFIS operates as a highly profitable, niche financial institution with a diversified revenue base.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|
| Revenue | 651.2M | 684.8M | 694.2M | 820.1M | 8.0% |
| EPS | 3.06 | 3.49 | 3.51 | 6.14 | 26.1% |
| Shares | 53.8M | 53.8M | 53.8M | 61.8M | +14.9% |
| Debt | 3.1B | 4.3B | 4.2B | 5.1B | 17.4% |
| Equity | 1.8B | 1.9B | 2.0B | 2.4B | 10.2% |
| Op CF | 457.3M | 509.3M | -219.0M | 101.1M | -39.5% |
| Inv CF | -20.0M | -121.0M | -57.9M | 146.9M | — |
| Fin CF | -154.0M | -97.4M | -126.2M | 74.7M | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of IF.MI are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| IF.MI | Banca IFIS S.p.A.(you) | $1.5B | 35 | HOLD |
| BDB.MI | Banco di Desio e della Brianza S.p.A. | $1.8B | 66 | BUY |
| CE.MI | Credito Emiliano S.p.A. | $6.6B | 53 | HOLD |
| BST.MI | Banca Sistema S.p.A. | $153M | 36 | HOLD |
| FBK.MI | FinecoBank Banca Fineco S.p.A. | $16.1B | 37 | HOLD |
| BGN.MI | Banca Generali S.p.A. | $8.6B | 54 | HOLD |
| PRO.MI | Banca Profilo S.p.A. | $123M | 25 | SELL |
| MB.MI | Mediobanca Banca di Credito Finanziario S.p.A. | $24.1B | 50 | HOLD |
| BMED.MI | Banca Mediolanum S.p.A. | $18.8B | 62 | HOLD |
| BAMI.MI | Banco BPM S.p.A. | $27.1B | 59 | HOLD |
Peer medians: ROE 13.7% · P/E 10.7x · Gross margin 0.0%