illimity Bank Valuation

Is ILTY undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

6/6

Valuation Score 6/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

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 (€4.48) is trading below our estimate of fair value (€10.36)

Significantly Below Fair Value: ILTY is trading below fair value by more than 20%.


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.

ILTY key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio0.6x

Price to Earnings Ratio vs Peers

How does ILTY's PE Ratio compare to its peers?

The above table shows the PE ratio for ILTY vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average7.5x
IF Banca IFIS
6.9x2.0%€1.1b
GF Generalfinance
8.3x16.3%€136.5m
BFF BFF Bank
7x4.0%€1.8b
AUR NB Aurora SICAF-RAIF
7.7xn/a€330.4m
ILTY illimity Bank
4.9x8.3%€371.6m

Price-To-Earnings vs Peers: ILTY is good value based on its Price-To-Earnings Ratio (4.9x) compared to the peer average (7.5x).


Price to Earnings Ratio vs Industry

How does ILTY's PE Ratio compare vs other companies in the European Diversified Financial Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a32.1%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a32.1%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: ILTY is good value based on its Price-To-Earnings Ratio (4.9x) compared to the European Diversified Financial industry average (12.4x).


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.

ILTY PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio4.9x
Fair PE Ratio11.1x

Price-To-Earnings vs Fair Ratio: ILTY is good value based on its Price-To-Earnings Ratio (4.9x) compared to the estimated Fair Price-To-Earnings Ratio (11.1x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst ILTY forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€4.48
€5.66
+26.5%
7.0%€6.00€5.00n/a4
Sep ’25€4.88
€5.66
+16.1%
7.0%€6.00€5.00n/a4
Aug ’25€4.63
€5.71
+23.4%
5.5%€6.00€5.20n/a4
Jul ’25€4.86
€5.79
+19.2%
3.5%€6.00€5.50n/a4
Jun ’25€5.22
€5.79
+11.0%
3.5%€6.00€5.50n/a4
May ’25€5.23
€5.79
+10.8%
3.5%€6.00€5.50n/a4
Apr ’25€4.86
€6.16
+26.8%
7.6%€6.70€5.50n/a4
Mar ’25€4.63
€6.16
+33.1%
7.6%€6.70€5.50n/a4
Feb ’25€5.03
€6.90
+37.3%
14.1%€8.50€5.90n/a4
Jan ’25€5.46
€7.30
+33.8%
10.8%€8.50€6.50n/a4
Dec ’24€5.33
€7.30
+37.1%
10.8%€8.50€6.50n/a4
Nov ’24€4.88
€7.90
+61.8%
12.3%€8.90€6.50n/a4
Oct ’24€5.27
€8.03
+52.3%
9.9%€8.90€7.00€4.554
Sep ’24€5.99
€8.03
+34.0%
9.9%€8.90€7.00€4.884
Aug ’24€5.92
€8.10
+36.8%
8.7%€8.90€7.30€4.634
Jul ’24€6.35
€8.55
+34.6%
7.3%€9.10€7.50€4.864
Jun ’24€6.35
€8.55
+34.6%
7.3%€9.10€7.50€5.224
May ’24€6.40
€9.05
+41.5%
11.6%€10.20€7.50€5.234
Apr ’24€6.15
€9.05
+47.2%
11.6%€10.20€7.50€4.864
Mar ’24€6.61
€9.55
+44.6%
18.1%€12.20€7.50€4.634
Feb ’24€7.70
€11.04
+43.3%
11.0%€12.30€9.65€5.034
Jan ’24€6.90
€11.56
+67.6%
9.1%€12.30€9.75€5.464
Dec ’23€7.50
€11.84
+57.8%
11.0%€13.30€9.75€5.334
Nov ’23€6.97
€11.84
+70.0%
11.0%€13.30€9.75€4.884
Oct ’23€6.92
€13.33
+92.7%
8.1%€15.00€12.00€5.274

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.


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