Snowflake Score | |
---|---|
Valuation | 2/6 |
Future Growth | 5/6 |
Past Performance | 4/6 |
Financial Health | 4/6 |
Dividends | 0/6 |
ILTY Stock Overview
illimity Bank S.p.A. provides private banking, and investment and trading services in Italy.
illimity Bank Competitors
Price History & Performance
Historical stock prices | |
---|---|
Current Share Price | €11.45 |
52 Week High | €14.25 |
52 Week Low | €9.77 |
Beta | 1.06 |
1 Month Change | -8.55% |
3 Month Change | -12.86% |
1 Year Change | 17.68% |
3 Year Change | 37.95% |
5 Year Change | n/a |
Change since IPO | 56.85% |
Recent News & Updates
Shareholder Returns
ILTY | IT Diversified Financial | IT Market | |
---|---|---|---|
7D | -3.8% | 1.3% | 0.7% |
1Y | 17.7% | -4.4% | -5.5% |
Return vs Industry: ILTY exceeded the Italian Diversified Financial industry which returned -4.4% over the past year.
Return vs Market: ILTY exceeded the Italian Market which returned -5.5% over the past year.
Price Volatility
ILTY volatility | |
---|---|
ILTY Average Weekly Movement | 4.4% |
Diversified Financial Industry Average Movement | 6.4% |
Market Average Movement | 6.2% |
10% most volatile stocks in IT Market | 8.6% |
10% least volatile stocks in IT Market | 4.0% |
Stable Share Price: ILTY is less volatile than 75% of Italian stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: ILTY's weekly volatility (4%) has been stable over the past year.
About the Company
Founded | Employees | CEO | Website |
---|---|---|---|
n/a | 725 | Corrado Passera | https://www.illimity.com |
illimity Bank S.p.A. provides private banking, and investment and trading services in Italy. The company operates through Growth Credit, Distressed Credit, and Direct Banking divisions. The Growth Credit division is involved in the financing of the supply chains of the operators of Italian chains and industrial districts through the activity of recourse and non-recourse purchasing of customers' trade receivables; and financing to businesses; and financing solutions for acquisition activities.
illimity Bank Fundamentals Summary
ILTY fundamental statistics | |
---|---|
Market Cap | €907.99m |
Earnings (TTM) | €68.44m |
Revenue (TTM) | €251.91m |
13.3x
P/E Ratio3.6x
P/S RatioIs ILTY overvalued?
See Fair Value and valuation analysisEarnings & Revenue
ILTY income statement (TTM) | |
---|---|
Revenue | €251.91m |
Cost of Revenue | €0 |
Gross Profit | €251.91m |
Other Expenses | €183.48m |
Earnings | €68.44m |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
Aug 02, 2022
Earnings per share (EPS) | 0.86 |
Gross Margin | 100.00% |
Net Profit Margin | 27.17% |
Debt/Equity Ratio | 118.0% |
How did ILTY perform over the long term?
See historical performance and comparisonValuation
Is illimity Bank undervalued compared to its fair value and its price relative to the market?
Valuation Score
2/6Valuation Score 2/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PEG Ratio
PB vs Industry
13.27x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: ILTY (€11.45) is trading above our estimate of fair value (€7.15)
Significantly Below Fair Value: ILTY is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: ILTY is poor value based on its PE Ratio (13.3x) compared to the Italian Diversified Financial industry average (11.5x).
PE vs Market: ILTY is good value based on its PE Ratio (13.3x) compared to the Italian market (17.3x).
Price to Earnings Growth Ratio
PEG Ratio: ILTY is good value based on its PEG Ratio (0.4x)
Price to Book Ratio
PB vs Industry: ILTY is overvalued based on its PB Ratio (1.2x) compared to the IT Diversified Financial industry average (1x).
Future Growth
How is illimity Bank forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Future Growth Score
5/6Future Growth Score 5/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
34.8%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ILTY's forecast earnings growth (34.8% per year) is above the savings rate (1.7%).
Earnings vs Market: ILTY's earnings (34.8% per year) are forecast to grow faster than the Italian market (9.7% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: ILTY's revenue (25.5% per year) is forecast to grow faster than the Italian market (-0.03% per year).
High Growth Revenue: ILTY's revenue (25.5% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: ILTY's Return on Equity is forecast to be low in 3 years time (19.3%).
Past Performance
How has illimity Bank performed over the past 5 years?
Past Performance Score
4/6Past Performance Score 4/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
71.7%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ILTY has high quality earnings.
Growing Profit Margin: ILTY's current net profit margins (27.2%) are higher than last year (20.8%).
Past Earnings Growth Analysis
Earnings Trend: ILTY's earnings have grown significantly by 71.7% per year over the past 5 years.
Accelerating Growth: ILTY's earnings growth over the past year (74.8%) exceeds its 5-year average (71.7% per year).
Earnings vs Industry: ILTY earnings growth over the past year (74.8%) underperformed the Diversified Financial industry 74.8%.
Return on Equity
High ROE: ILTY's Return on Equity (8.8%) is considered low.
Financial Health
How is illimity Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
4/6Financial Health Score 4/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: ILTY's Assets to Equity ratio (6.3x) is low.
Allowance for Bad Loans: ILTY has a low allowance for bad loans (3%).
Low Risk Liabilities: 74% of ILTY's liabilities are made up of primarily low risk sources of funding.
Loan Level: ILTY has an appropriate level of Loans to Assets ratio (58%).
Low Risk Deposits: ILTY's Loans to Deposits ratio (92%) is appropriate.
Level of Bad Loans: ILTY has a high level of bad loans (36.3%).
Dividend
What is illimity Bank current dividend yield, its reliability and sustainability?
Dividend Score
0/6Dividend Score 0/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
3.92%
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate ILTY's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate ILTY's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if ILTY's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ILTY's dividend payments have been increasing.
Current Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of ILTY's dividend in 3 years as they are not forecast to pay a notable one for the Italian market.
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
1.3yrs
Average board tenure
CEO
Corrado Passera
no data
Tenure
Mr. Corrado Passera serves as Chief Executive Officer and Director of illimity Bank SpA (formerly known as Banca Interprovinciale SpA).
Board Members
Experienced Board: ILTY's board of directors are not considered experienced ( 1.3 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 8%.
Top Shareholders
Company Information
illimity Bank S.p.A.'s employee growth, exchange listings and data sources
Key Information
- Name: illimity Bank S.p.A.
- Ticker: ILTY
- Exchange: BIT
- Founded: NaN
- Industry: Specialized Finance
- Sector: Diversified Financials
- Implied Market Cap: €907.986m
- Shares outstanding: 79.30m
- Website: https://www.illimity.com
Number of Employees
Location
- illimity Bank S.p.A.
- Via Soperga 9
- Milan
- Milan
- 20124
- Italy
Listings
Company Analysis and Financial Data Status
Data | Last Updated (UTC time) |
---|---|
Company Analysis | 2022/05/21 00:00 |
End of Day Share Price | 2022/05/20 00:00 |
Earnings | 2022/03/31 |
Annual Earnings | 2021/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.