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||€10.62|
|52 Week High||€14.25|
|52 Week Low||€10.04|
|1 Month Change||-8.68%|
|3 Month Change||-9.23%|
|1 Year Change||-11.20%|
|3 Year Change||19.60%|
|5 Year Change||n/a|
|Change since IPO||45.48%|
Recent News & Updates
|ILTY||IT Diversified Financial||IT Market|
Return vs Industry: ILTY exceeded the Italian Diversified Financial industry which returned -13.4% over the past year.
Return vs Market: ILTY exceeded the Italian Market which returned -17.2% over the past year.
|ILTY Average Weekly Movement||4.1%|
|Diversified Financial Industry Average Movement||4.5%|
|Market Average Movement||5.1%|
|10% most volatile stocks in IT Market||7.1%|
|10% least volatile stocks in IT Market||3.3%|
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
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|
Is ILTY overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|ILTY income statement (TTM)|
|Cost of Revenue||€0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
Aug 02, 2022
|Earnings per share (EPS)||0.86|
|Net Profit Margin||27.90%|
How did ILTY perform over the long term?See historical performance and comparison
Is ILTY undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 3/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for ILTY?
Other financial metrics that can be useful for relative valuation.
|What is ILTY's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does ILTY's PE Ratio compare to its peers?
|ILTY PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
Price-To-Earnings vs Peers: ILTY is good value based on its Price-To-Earnings Ratio (12.3x) compared to the peer average (29.1x).
Price to Earnings Ratio vs Industry
How does ILTY's PE Ratio compare vs other companies in the Diversified Financial Industry?
Price-To-Earnings vs Industry: ILTY is expensive based on its Price-To-Earnings Ratio (12.3x) compared to the Italian Diversified Financial industry average (12.1x)
Price to Earnings Ratio vs Fair Ratio
What is ILTY's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||12.3x|
|Fair PE Ratio||27.7x|
Price-To-Earnings vs Fair Ratio: ILTY is good value based on its Price-To-Earnings Ratio (12.3x) compared to the estimated Fair Price-To-Earnings Ratio (27.7x).
Share Price vs Fair Value
What is the Fair Price of ILTY when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: ILTY (€10.62) is trading above our estimate of fair value (€7.12)
Significantly Below Fair Value: ILTY is trading above our estimate of fair value.
Price to Earnings Growth Ratio
PEG Ratio: ILTY is good value based on its PEG Ratio (0.4x)
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How is illimity Bank forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Future Growth Score5/6
Future Growth Score 5/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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 (10.2% per year).
High Growth Earnings: ILTY's earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: ILTY's revenue (25.8% per year) is forecast to grow faster than the Italian market (0.3% per year).
High Growth Revenue: ILTY's revenue (25.8% 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%).
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How has illimity Bank performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ILTY has high quality earnings.
Growing Profit Margin: ILTY's current net profit margins (27.9%) 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 (74.9%) exceeds its 5-year average (71.7% per year).
Earnings vs Industry: ILTY earnings growth over the past year (74.9%) exceeded the Diversified Financial industry 40%.
Return on Equity
High ROE: ILTY's Return on Equity (8.8%) is considered low.
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How is illimity Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score4/6
Financial Health Score 4/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
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 (45%).
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 (64%).
Low Risk Deposits: ILTY's Loans to Deposits ratio (103%) is appropriate.
Level of Bad Loans: ILTY has a high level of bad loans (30.7%).
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What is illimity Bank current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
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.
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How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Mr. Corrado Passera serves as Chief Executive Officer and Director of illimity Bank SpA (formerly known as Banca Interprovinciale SpA).
Experienced Board: ILTY's board of directors are not considered experienced ( 1.3 years average tenure), which suggests a new board.
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
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 7.9%.
illimity Bank S.p.A.'s employee growth, exchange listings and data sources
- Name: illimity Bank S.p.A.
- Ticker: ILTY
- Exchange: BIT
- Founded: NaN
- Industry: Specialized Finance
- Sector: Diversified Financials
- Implied Market Cap: €842.563m
- Shares outstanding: 79.34m
- Website: https://www.illimity.com
Number of Employees
- illimity Bank S.p.A.
- Via Soperga 9
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/24 00:00|
|End of Day Share Price||2022/06/24 00:00|
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.