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Banca IfisMIL:IF +0.53%47 3-Year Book Growth Rate is 4.70% as of Jun. 2026, which is 41% below its 10-year median of 7.95. GuruFocus rates MIL:IF with a GF Score™ of 47/100 and a GF Value™ of €22.92 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 1,493 Banks companies, Banca Ifis ranks worse than 75.89% on this metric.
During the past 12 months, Banca Ifis's average Book Value per Share Growth Rate was 0.20% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 4.70% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 3.90% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 7.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Banca Ifis was 47.70% per year. The lowest was 1.80% per year. And the median was 7.95% per year.
Banca Ifis (MIL:IF) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Banca Ifis 3-Year Book Growth Rate Related Terms
MIL:IF vs USB, PNC: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Banca Ifis's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Banca Ifis 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Banca Ifis's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Banca Ifis's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 4.70% mean?
Banca Ifis (MIL:IF) has a 3-Year Book Growth Rate of 4.70% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Banca Ifis and its competitors. This is 41% below median its historical median of 7.95. Over the past decade, Banca Ifis' 3-Year Book Growth Rate has ranged from 1.80 to 47.70. According to the industry distribution chart, Banca Ifis ranks #1133 out of 1493 companies in the Banks industry, placing it in the top 75.9%.
Is Banca Ifis' 3-Year Book Growth Rate too high?
Banca Ifis' current 3-Year Book Growth Rate of 4.70% is 41% below median its 10-year median of 7.95. Over the past 10 years, this metric has ranged from a low of 1.80 to a high of 47.70. The Banks industry median 3-Year Book Growth Rate is 8.80. Banca Ifis' value of 4.70% is 46.6% below this industry median. Based on the distribution chart, Banca Ifis ranks #1133 out of 1493 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banca Ifis has a GF Score™ of 47/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Banca Ifis' 3-Year Book Growth Rate compare to USB and PNC?
According to the Banks industry distribution chart, Banca Ifis ranks #1133 out of 1493 companies for 3-Year Book Growth Rate. This places Banca Ifis in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Banca Ifis' value of 4.70% is 46.6% below this benchmark. Historically, Banca Ifis' own 3-Year Book Growth Rate has ranged from 1.80 to 47.70 over the past decade. While the company's 10-year median is 7.95 vs. the industry median of 8.80, Banca Ifis has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,493 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banca Ifis's current 3-Year Book Growth Rate of 4.70% is 46.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Banca Ifis and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banca Ifis's current 3-Year Book Growth Rate is 4.70%, which is 41% below median its own 10-year median of 7.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banca Ifis stock overvalued right now?
Based on GuruFocus' analysis, Banca Ifis (MIL:IF) is currently considered Significantly Undervalued. The stock's GF Value™ is €22.92, compared to a current price of €15.08 — trading 34.2% below its estimated fair value. The current 3-Year Book Growth Rate is 4.70%, which is 41% below median its 10-year median of 7.95 and 46.6% below the Banks industry median of 8.80. Banca Ifis' overall GF Score™ is 47/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Banca Ifis (MIL:IF), the current 3-Year Book Growth Rate is 4.70% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Banca Ifis (MIL:IF) Overvalued in 2026?
Based on GuruFocus' analysis, Banca Ifis stock appears to be undervalued.
The current stock price of €15.08 is trading 34.2% below its estimated GF Value™ of €22.92.
GuruFocus considers Banca Ifis to be Significantly Undervalued.
Key valuation signals for MIL:IF:
3-Year Book Growth Rate: 4.70% (41% below median its 10-year median of 7.95)
GF Value™: €22.92 vs. price of €15.08 (34.2% below fair value)
Industry Position: 46.6% below the Banks median (#1133 of 1493)
No single metric tells the full story. See the MIL:IF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banca Ifis is an independent banking group specializing in the provision of banking and other financial services. It specializes in providing factoring services, managing distressed loans, servicing and managing non-performing, secured loans, and offering leasing services, among other activities. The company's operating segments are Commercial & Corporate Banking, NPL, and Governance & Services and Non-Core. A majority of its revenue is generated from the Commercial & Corporate Banking segment, which represents the Group's commercial offerings dedicated to businesses and also includes personal loans with the assignment of one-fifth of salary or pension. This segment consists of the factoring, leasing, and corporate banking & lending business areas.
47GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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