Want to see IT:IF full AI Analyst Report?
IF Stock Chart & Stats
€23.70
€0.52(2.43%)
At close: 4:00 PM EST
€23.70
€0.52(2.43%)
Day’s Range― - ―
52-Week Range€12.02 - €27.72
Previous CloseN/A
Volume619.02K
Average Volume (3M)145.18K
Market Cap
€766.43M
Enterprise Value€5.61B
Total Cash (Recent Filing)€409.63M
Total Debt (Recent Filing)€2.87B
Price to Earnings (P/E)2.6
Beta1.16
Next Earnings
Aug 04, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield8.44%
Share Statistics
EPS (TTM)2.95
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
€15.20Price Target Upside-35.86% Downside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)1.64
Revenue Forecast (FY)€850.60M
Bulls Say, Bears Say
Bulls Say
Improved Profitability & MarginsA material rise in net income and a sharp margin expansion to 31.7% indicate meaningfully stronger core earning power and operating efficiency. Higher profitability and ROE (~15.5%) increase internal capital generation, improving ability to fund growth, cushion losses, and sustain returns over the medium term.
Specialty Finance & NPL FocusA concentrated business model in factoring, working-capital finance and NPL management creates diversified, structural revenue streams (interest, fees, recovery gains). This niche expertise yields recurring fee income and higher-yield assets that can sustain margins and create durable competitive differentiation in credit-management services.
Positive Multi-year Revenue TrajectoryA positive multi-year revenue trend through 2020–2025 suggests underlying business expansion and customer adoption of factoring and servicing solutions. Over a 2–6 month horizon this supports durable top-line potential, helping future earnings sustainability if origination and servicing volumes remain steady or grow.
Bears Say
Sharply Higher LeverageDebt more than doubled year-over-year and leverage jumped materially, reducing balance-sheet flexibility and increasing refinancing and funding risk. Elevated leverage heightens sensitivity to credit stress or higher funding costs and can constrain capital allocation and growth options over the medium term.
Negative Operating & Free Cash FlowSustained negative operating and free cash flow across two consecutive years undermines the quality of reported profits and the bank's ability to self-fund. Persistent cash deficits may force reliance on external funding, portfolio sales, or dividend reductions, weakening financial resilience if conditions worsen.
Top-line Volatility; Limited Recent GrowthRecent earnings improvement appears driven more by margin expansion than sustained revenue growth. Limited near-term top-line momentum and historical volatility mean profits could be less durable absent renewed revenue expansion, making performance sensitive to margin pressure or credit-cycle shifts.
IF FAQ
What was Banca Ifis SPA’s price range in the past 12 months?
Banca Ifis SPA lowest stock price was €12.02 and its highest was €27.72 in the past 12 months.
What is Banca Ifis SPA’s market cap?
Banca Ifis SPA’s market cap is €766.43M.
When is Banca Ifis SPA’s upcoming earnings report date?
Banca Ifis SPA’s upcoming earnings report date is Aug 04, 2026 which is in 34 days.
How were Banca Ifis SPA’s earnings last quarter?
Currently, no data Available
Is Banca Ifis SPA overvalued?
According to Wall Street analysts Banca Ifis SPA’s price is currently Overvalued.
Does Banca Ifis SPA pay dividends?
Banca Ifis SPA pays a Semiannually dividend of €0.92 which represents an annual dividend yield of 8.44%. See more information on Banca Ifis SPA dividends here
What is Banca Ifis SPA’s EPS estimate?
Banca Ifis SPA’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Banca Ifis SPA have?
Banca Ifis SPA has 61,540,455 shares outstanding.
What happened to Banca Ifis SPA’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of Banca Ifis SPA?
Currently, no hedge funds are holding shares in IT:IF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Banca Ifis SPA
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 portfolios containing non-performing loans. The institution offers a diverse array of financial products, including factoring, strategic advisory and equity investment services, sophisticated structured finance arrangements, equipment leasing, and long-term funding specifically for industrial development projects. Banca IFIS S.p.A. operates as a subsidiary under the ownership of La Scogliera S.p.A.
IF Stock 12 Month Forecast
Average Price Target
€15.20
▼(-35.86% Downside)
Technical Analysis
Banco BPM S.p.A.
―
Banco di Desio e Della Brianza SPA
―
BPER Banca S.p.A.
―
Credito Emiliano SPA Credem
―
doValue S.p.A
―
Options Prices
Currently, No data available
---


