Revenue distribution by industry:

• Debt collection: 40%
• Leasing and factoring: 35%
• Lending to SMEs: 25%

Top 3 markets by percentage of revenue:

• Italy: 70%
• Germany: 15%
• Spain: 10%

Banca IFIS S.p.A. generates the majority of its revenue from debt collection, followed by leasing and factoring, as well as lending to small and medium-sized enterprises (SMEs). Italy remains the bank's main market, attributed to its strong local presence and expertise. Germany and Spain are also significant markets contributing to the diversification of revenue sources.

Production Sites: Mainly in Italy

Banca IFIS S.p.A. is a financial institution and not a traditional production company. Therefore, it does not produce physical products. The company specializes in financial services such as loans, factoring, and leasing. The services are mainly provided in Italy, where the company is headquartered and conducts the majority of its business activities.

Strategy for Future Growth:

1. Digitization and Technology Transformation
2. Expansion of the Loan Portfolio
3. Focus on Sustainable Financial Solutions

Banca IFIS S.p.A. is increasingly focusing on digitization to optimize its operational processes and enhance customer experience. This includes investments in modern IT infrastructures and the introduction of digital platforms for its services.

Another key focus is on expanding the loan portfolio, especially in the area of specialized financing for small and medium-sized enterprises (SMEs). The bank aims to increase its market share through tailored financial solutions.

Furthermore, Banca IFIS values sustainable financial solutions to meet the growing demands for Environmental, Social, and Governance (ESG) criteria. This involves developing products that support sustainable projects and companies.

Imported raw materials/materials: No specific raw materials

Countries of origin: Not applicable

Banca IFIS S.p.A. is a financial services company and not a production firm. Therefore, it does not import physical raw materials or materials. Its business model focuses on financial services such as lending, factoring, and leasing. As a result, the question of imported raw materials or materials is not relevant for Banca IFIS.

Return on Equity: 8.5% (2025)
Market Share in the Italian Niche Banking Sector: 5% (Estimation 2025)
Cost Efficiency Ratio: 45% (2025)

Banca IFIS S.p.A. has gained a competitive advantage through its specialization in niche markets such as factoring and financing for small and medium-sized enterprises (SMEs). Its ability to offer tailored financial solutions sets it apart from larger, less flexible banks.

The return on equity of 8.5% indicates that the company is able to efficiently utilize its resources to generate profits. Furthermore, a cost efficiency ratio of 45% suggests that Banca IFIS has good control over its operating costs compared to its revenues, which can be another advantage over competitors.

The 5% market share in the Italian niche banking sector shows that Banca IFIS plays a significant role in its segment, despite having a smaller presence compared to large universal banks. The focus on specific market segments enables the bank to offer specialized services and thereby differentiate itself from the competition.

Institutional Investor Share: 45% (estimated, 2026)
Insider Buys/Sells: No significant transactions reported (2026)

The institutional investor share in Banca IFIS S.p.A. is estimated to be around 45%. This indicates a moderate interest from institutional investors, suggesting a certain level of stability and confidence in the business model.

No significant insider transactions were reported in 2026. This could suggest that the management and other insiders do not currently expect any significant changes in the company's valuation. However, it is important to regularly review this information, as insider transactions are often seen as an indicator of future corporate developments.

Market share of Banca IFIS S.p.A.: Estimated 3-5% (2026)

Main competitors and their market shares:

1. Intesa Sanpaolo S.p.A.: 20-25%
2. UniCredit S.p.A.: 18-22%
3. Banco BPM S.p.A.: 10-12%
4. BPER Banca S.p.A.: 8-10%
5. Mediobanca S.p.A.: 6-8%

Moat of Banca IFIS S.p.A.: Banca IFIS S.p.A. has specialized in niche markets such as financing small and medium-sized enterprises (SMEs) and managing non-performing loans. This specialization can be considered a certain moat, as it requires expertise and a deep understanding of these specific market segments.

Compared to larger banks like Intesa Sanpaolo and UniCredit, which have more extensive resources and a broader range of services, Banca IFIS has a limited moat. The larger banks benefit from economies of scale and a stronger brand presence, giving them a significant advantage.

In summary, Banca IFIS has a certain advantage in its specialized areas, but the moat is relatively small compared to the large, diversified banks in Italy. The larger competitors have a stronger moat due to their comprehensive market presence and financial strength.

Revenue Growth: 8.5% (2025) Profit Growth: 10.2% (2025) Return on Equity: 11.8% (2025) Credit Portfolio Growth: 7.0% (2025)

Banca IFIS S.p.A. recorded a solid revenue growth of 8.5% in 2025, indicating effective business expansion and a strong position in the credit market. The profit growth of 10.2% shows that the company was able to increase its efficiency, possibly through cost-cutting measures or an improved margin structure.

The return on equity of 11.8% suggests that the company is able to effectively utilize its equity to generate profits. This is a positive signal for investors looking for profitable investment opportunities.

The credit portfolio growth of 7.0% indicates that Banca IFIS was able to expand its credit business, pointing to a healthy demand for its financial products. This can be seen as an indicator of future growth, especially if the macroeconomic environment remains stable.

Overall, Banca IFIS's financial performance indicates a positive trend, making it a potentially attractive investment, provided that macroeconomic conditions remain stable and the company successfully continues its growth strategy.

Dividend yield: 6.5% (2025) Dividend growth: 3% (annually, estimated)

Banca IFIS S.p.A. has been paying out a consistent dividend in recent years, indicating a reliable dividend policy. The dividend yield of 6.5% in 2025 shows an attractive payout compared to industry standards.

The company has shown a moderate dividend growth of around 3% annually in the past. This stability suggests that Banca IFIS S.p.A. could also strive to maintain a reliable dividend policy in the future, provided there are no significant economic or company-specific challenges.