IF.MI
HoldBargain BinBanca IFIS S.p.A. · Financial Services · Italy · $1.0B
EUR 10.75 -5.1% · close 2 Oct · scored 3 Oct
Bargain Bin: Looks like a bargain; the quality and the trend say why it is in the bin.
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
ABOUT BANCA IFIS S.P.A.
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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 (EUR)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 569.5M | 598.8M | 607.1M | 717.2M | 8.0% | 678.4M | 854.8M | 869.1M | 10.1% |
| EPS (EUR) | 2.68 | 3.05 | 3.07 | 5.37 | 26.1% | 4.24 | — | — | — |
| Shares | 52.4M | 52.5M | 52.6M | 61.1M | +16.5% | 61.1M | — | — | — |
| Debt | 2.7B | 3.8B | 3.7B | 4.4B | 17.4% | 8.3B | — | — | — |
| Equity | 1.6B | 1.7B | 1.7B | 2.1B | 10.2% | — | — | — | — |
| Op CF | 400.0M | 445.4M | -191.5M | 88.5M | -39.5% | -133.2M | — | — | — |
| Inv CF | -17.5M | -105.9M | -50.7M | 128.5M | — | — | — | — | — |
| Fin CF | -134.7M | -85.2M | -110.3M | 65.3M | — | — | — | — | — |
Swung more than 64% of stocks we rank over the past year (50% a year).
How this is worked out
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
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) | $1.0B | 57 | Hold |
| BDB.MI | Banco di Desio e della Brianza S.p.A. | $2.8B | 51 | Hold |
| BGN.MI | Banca Generali S.p.A. | $8.5B | 60 | Hold |
| CE.MI | Credito Emiliano S.p.A. | $8.2B | 64 | Hold |
| BST.MI | Banca Sistema S.p.A. | $146M | 44 | Hold |
| PRO.MI | Banca Profilo S.p.A. | $121M | 43 | Hold |
| FBK.MI | FinecoBank Banca Fineco S.p.A. | $15.6B | 50 | Hold |
| BMED.MI | Banca Mediolanum S.p.A. | $19.7B | 63 | Hold |
| BAMI.MI | Banco BPM S.p.A. | $28.2B | 61 | Hold |
| MB.MI | Mediobanca Banca di Credito Finanziario S.p.A. | $26.5B | 65 | Hold |
Peer medians: ROE 14.8% · P/E 12.1x · Gross margin 50.7%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.