ScoreWhy is Banca IFIS SpA ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 13.89% signifying inadequate buffers against its risk based assets
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 13.89% signifying inadequate buffers against its risk based assets
- A high ratio signifies bank has weaker due diligence systems when giving out loans
2
Flat results in Jun 25
- OPERATING CASH FLOW(Y) Lowest at EUR 315.87 MM
- NII(Q) Lowest at EUR 193.74 MM
- CASH AND EQV(HY) Lowest at EUR 409.63 MM
3
Below par performance in long term as well as near term
- Along with generating -2.15% 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
68.92%
Pledged Shares
0
Institutional Holding
0.10%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
0.69
EV to EBIT
25.36
EV to EBITDA
24.28
EV to Capital Employed
0.92
EV to Sales
11.33
PEG Ratio
NA
Dividend Yield
9.33%
ROCE (Latest)
3.62%
ROE (Latest)
10.31%
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 Trend0What is working for the Company
NO KEY POSITIVE TRIGGERS
-7What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at EUR 315.87 MM
NII(Q)
Lowest at EUR 193.74 MM
CASH AND EQV(HY)
Lowest at EUR 409.63 MM
Here's what is working for Banca IFIS SpA
Depreciation
Highest at EUR 13.63 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 13.63 MM has Grown at 9.41%
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)
CASA
Highest at 16.53%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Banca IFIS SpA
NII
Lowest at EUR 193.74 MM and Fallen
In each period in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (EUR MM)
Operating Cash Flow
Lowest at EUR 315.87 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)
Cash and Eqv
Lowest at EUR 409.63 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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