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1. Company Snapshot

1.a. Company Description

Banca IFIS S.p.A. provides credit services and solutions for enterprises.It engages in the purchase/management of non-performing loan portfolios.It offers factoring, advisory and equity investment, structured finance, leasing, and long-term financing for industrial investments.


The company was founded in 1983 and is based in Mestre, Italy.Banca IFIS S.p.A. is a subsidiary of La Scogliera S.p.A.

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1.b. Last Insights on IF

Banca IFIS S.p.A.'s recent performance was bolstered by its ability to navigate a challenging environment with resilience, as evident from its steady net income in Q4 2024. The company's focus on digital transformation and strategic financial management enabled it to mitigate the impact of market volatility. Furthermore, Banca IFIS's commitment to prudent financial management is reflected in its robust capital position, which provides a solid foundation for future growth.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (3.00%)

6. Segments

Non-performing Loans

Expected Growth: 2.5%

Banca IFIS S.p.A.'s 2.5% growth in Non-Performing Loans (NPLs) is driven by a combination of factors, including a moderate economic growth in Italy, increased lending activities, and a slight relaxation in credit standards. Additionally, the bank's focus on acquiring and managing NPLs from other institutions has contributed to the growth. Furthermore, the bank's provisioning policies and risk management practices have also played a role in the NPL growth.

Commercial & Corporate Banking - Factoring

Expected Growth: 3.5%

Banca IFIS S.p.A.'s 3.5% growth in Commercial & Corporate Banking - Factoring is driven by increasing demand for working capital solutions, expansion into new markets, and strategic partnerships. Additionally, the bank's digitalization efforts and efficient risk management practices have contributed to its growth.

Commercial & Corporate Banking - Corporate Banking & Lending

Expected Growth: 3.2%

The 3.2% growth in Commercial & Corporate Banking - Corporate Banking & Lending at Banca IFIS S.p.A. is driven by increasing demand for working capital and investment financing from Italian SMEs, expansion into new regions, and strategic partnerships with corporates and financial institutions, as well as effective risk management and optimized lending processes.

Governance & Services and Non Core

Expected Growth: 2.8%

Banca IFIS S.p.A.'s 2.8% growth in Governance & Services and Non-Core segments is driven by efficient cost management, optimized operational processes, and strategic partnerships. The bank's focus on digital transformation and innovation also contributes to growth, while its diversified revenue streams and robust risk management practices ensure sustainability.

Commercial & Corporate Banking - Leasing

Expected Growth: 3.8%

The 3.8% growth in Commercial & Corporate Banking - Leasing at Banca IFIS S.p.A. is driven by increasing demand for equipment and vehicle financing, expansion into new markets, and strategic partnerships. Additionally, the bank's focus on digitalization and process efficiency has improved customer experience, leading to higher volumes and revenue growth.

7. Detailed Products

Factoring

A financial service that allows companies to receive immediate payment for their outstanding invoices, improving their cash flow and reducing the risk of non-payment.

Invoice Discounting

A financial service that allows companies to receive immediate payment for their outstanding invoices, while maintaining control over their sales ledger.

Asset-Based Lending

A financial service that allows companies to use their assets (e.g. inventory, equipment, or property) as collateral to secure a loan.

Leasing

A financial service that allows companies to use assets (e.g. equipment, vehicles, or real estate) without having to purchase them outright.

Credit Management

A financial service that allows companies to outsource their credit management activities, including credit checks, invoicing, and debt collection.

Digital Banking

A digital platform that allows individuals and businesses to manage their finances, make payments, and access financial services online.

8. Banca IFIS S.p.A.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Banca IFIS S.p.A. is medium due to the presence of alternative financial institutions and digital payment systems.

Bargaining Power Of Customers

The bargaining power of customers for Banca IFIS S.p.A. is low due to the bank's strong brand reputation and customer loyalty.

Bargaining Power Of Suppliers

The bargaining power of suppliers for Banca IFIS S.p.A. is medium due to the bank's dependence on technology providers and other third-party vendors.

Threat Of New Entrants

The threat of new entrants for Banca IFIS S.p.A. is high due to the increasing trend of fintech startups and digital banking platforms.

Intensity Of Rivalry

The intensity of rivalry for Banca IFIS S.p.A. is high due to the competitive nature of the banking industry and the presence of established players.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 79.09%
Debt Cost 7.90%
Equity Weight 20.91%
Equity Cost 10.14%
WACC 8.36%
Leverage 378.24%

11. Quality Control: Banca IFIS S.p.A. passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Bank of Georgia

A-Score: 8.2/10

Value: 9.6

Growth: 9.9

Quality: 7.9

Yield: 6.2

Momentum: 10.0

Volatility: 5.3

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Arbuthnot Banking

A-Score: 7.1/10

Value: 9.3

Growth: 9.0

Quality: 6.3

Yield: 8.1

Momentum: 4.0

Volatility: 5.7

1-Year Total Return ->

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Sparebanken Vest

A-Score: 7.1/10

Value: 7.9

Growth: 5.1

Quality: 7.6

Yield: 8.8

Momentum: 6.5

Volatility: 6.7

1-Year Total Return ->

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Banca IFIS

A-Score: 6.4/10

Value: 7.3

Growth: 4.1

Quality: 5.4

Yield: 10.0

Momentum: 4.0

Volatility: 7.7

1-Year Total Return ->

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Thurgauer KB

A-Score: 5.9/10

Value: 5.0

Growth: 2.0

Quality: 5.5

Yield: 3.8

Momentum: 9.0

Volatility: 10.0

1-Year Total Return ->

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Bank of Cyprus

A-Score: 4.6/10

Value: 6.8

Growth: 5.1

Quality: 7.0

Yield: 2.5

Momentum: 4.0

Volatility: 2.3

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

24.14$

Current Price

24.14$

Potential

-0.00%

Expected Cash-Flows