ScoreWhy is Banca IFIS SpA ?
1
Weak Long Term Fundamental Strength as the company has not declared results in the last 6 months
2
Below par performance in long term as well as near term
- Along with generating -39.35% returns in the last 1 year, the stock has also underperformed Italy FTSE MIB in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.86%
EBIT Growth (5y)
16.67%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
36.69%
Pledged Shares
0
Institutional Holding
0.10%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
4
Industry P/E
Price to Book Value
0.38
EV to EBIT
35.10
EV to EBITDA
33.61
EV to Capital Employed
0.87
EV to Sales
15.68
PEG Ratio
NA
Dividend Yield
14.05%
ROCE (Latest)
2.47%
ROE (Latest)
8.67%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
ROCE(HY)
Highest at 1.85%
NII(Q)
Highest at EUR 271.19 MM
NET SALES(Q)
Highest at EUR 553.83 MM
OPERATING PROFIT(Q)
Highest at EUR 252.26 MM
OPERATING PROFIT MARGIN(Q)
Highest at 45.55 %
PRE-TAX PROFIT(Q)
Highest at EUR 251.35 MM
NET PROFIT(Q)
Highest at EUR 242.14 MM
EPS(Q)
Highest at EUR 4.09
-8What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at EUR 36.78 MM
ROCE(HY)
Lowest at 1.85%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 22.27%
CREDIT DEPOSIT RATIO(HY)
Lowest at 194.43%
Here's what is working for Banca IFIS SpA
Net Profit
At EUR 242.14 MM has Grown at 256.23%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (EUR MM)
Pre-Tax Profit
At EUR 251.35 MM has Grown at 146.66%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (EUR MM)
NII
Highest at EUR 271.19 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (EUR MM)
Net Sales
Highest at EUR 553.83 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (EUR MM)
Net Sales
At EUR 553.83 MM has Grown at 35.81%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (EUR MM)
Operating Profit
Highest at EUR 252.26 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (EUR MM)
Operating Profit Margin
Highest at 45.55 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at EUR 251.35 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (EUR MM)
Net Profit
Highest at EUR 242.14 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (EUR MM)
EPS
Highest at EUR 4.09
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (EUR)
Depreciation
Highest at EUR 23.19 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (EUR MM)
Depreciation
At EUR 23.19 MM has Grown at 70.14%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (EUR MM)
Here's what is not working for Banca IFIS SpA
Operating Cash Flow
Lowest at EUR 36.78 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (EUR MM)
Credit Deposit Ratio
Lowest at 194.43%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Lowest at 22.27%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Capital Adequacy Ratio
Lowest at 13%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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