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illimity Bank SpA

  • Market Cap: N/A
  • Industry: Regional Banks
  • ISIN: IT0005359192
EUR
4.04
0.00 (0.00%)

Sep 16

MIL

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Banco di Desio e della Brianza SpA
Banca IFIS SpA
Mediobanca Banca di Credito Finanziario SpA
Banca Sistema SpA
illimity Bank SpA
Banca Monte dei Paschi di Siena SpA
Poste Italiane SpA
Why is illimity Bank SpA ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 15.99% signifying inadequate buffers against its risk based assets
  • Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 15.99% signifying inadequate buffers against its risk based assets
  • A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2
With ROA of -2.00%, it has a Very Expensive valuation with a 0.44 Price to Book Value
  • The stock is trading at a discount compared to its peers' average historical valuations
  • Over the past year, while the stock has generated a return of -10.26%, its profits have fallen by -274.4%
3
Consistent Underperformance against the benchmark over the last 3 years
  • Along with generating -10.26% returns in the last 1 year, the stock has also underperformed Italy FTSE MIB in each of the last 3 annual periods
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. 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

Is illimity Bank SpA for you?

Medium Risk, Low Return

Absolute
Risk Adjusted
Volatility
illimity Bank SpA
-10.26%
-0.54
33.21%
Italy FTSE MIB
24.83%
1.17
19.20%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
30.27%
EBIT Growth (5y)
-218.62%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.44
EV to EBIT
-8.00
EV to EBITDA
-8.83
EV to Capital Employed
0.78
EV to Sales
3.80
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-9.75%
ROE (Latest)
-20.43%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
Bullish
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bearish
No Trend
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

Icon
Not enough Data to analyse Financial Trend
Icon
Not enough Data to analyse Financial Trend
Here's what is working for illimity Bank SpA
Profit Before Tax less Other Income (PBT) - Quarterly
At EUR 8 MM has Grown at 360.73 %
Year on Year (YoY)
MOJO Watch
Near term PBT trend is very positive

PBT less Other Income (EUR MM)

Interest Earned - Quarterly
Highest at EUR 110 MM and Grown
in each of the last 5 periods
MOJO Watch
Near term sales trend is very positive

Interest Earned (EUR MM)

Gross NPA - Quarterly
Lowest at 0.00 %
in the last five periods
MOJO Watch
Proportion of stressed loans given by the bank are falling

Gross NPA (%)

Profit After Tax (PAT) - Nine Monthly
At EUR 95.92 MM has Grown at 59.80 %
Year on Year (YoY)
MOJO Watch
Near term PAT trend is positive

PAT (EUR MM)

Profit After Tax (PAT) - Nine Monthly
Higher at EUR 95.92 MM
than preceding 12 month period ended Dec 2023 of EUR 67.81 MM
MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months

PAT (EUR MM)

Here's what is not working for illimity Bank SpA
Earnings per Share (EPS) - Quarterly
Lowest at EUR 0.00
in the last five periods
MOJO Watch
Declining profitability; company has created lower earnings for shareholders

EPS (EUR)

Dividend Payout Ratio (DPR) - Annually
Lowest at 0.00 %
in the last five years
MOJO Watch
Company is distributing lower proportion of profits generated as dividend

DPR (%)

CAR - Quarterly
Lowest at 0.00 %
in the last five periods
MOJO Watch
The Bank's capital base vs its risk assets is deteriorating.

CAR (%)

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