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Banca IfisMIL:IF +0.80%63 Debt-to-Equity is 2.21 as of Mar. 2026, which is 44% above its 10-year median of 1.54. GuruFocus rates MIL:IF with a GF Score™ of 63/100 and a GF Value™ of €23.10 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,425 Banks companies, Banca Ifis ranks worse than 86.88% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Banca Ifis's Debt-to-Equity or its related term are showing as below:
MIL:IF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.9 Med: 1.54 Max: 2.24
Current: 2.21
During the past 13 years, the highest Debt-to-Equity Ratio of Banca Ifis was 2.24. The lowest was 0.90. And the median was 1.54.
MIL:IF's Debt-to-Equity is ranked worse than 86.88% of 1425
companies
in the Banks industry
Industry Median: 0.56
vs MIL:IF: 2.21
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Banca Ifis Debt-to-Equity Related Terms
Banca Ifis Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Banca Ifis's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Banca Ifis's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Banca Ifis's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Banca Ifis's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Banca Ifis (MIL:IF) has a Debt-to-Equity of 2.21 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Banca Ifis and its competitors. This is 44% above median its historical median of 1.54. Over the past decade, Banca Ifis' Debt-to-Equity has ranged from 0.90 to 2.24. According to the industry distribution chart, Banca Ifis ranks #1238 out of 1425 companies in the Banks industry, placing it in the top 86.9%.
Is Banca Ifis' Debt-to-Equity too high?
Banca Ifis' current Debt-to-Equity of 2.21 is 44% above median its 10-year median of 1.54. Over the past 10 years, this metric has ranged from a low of 0.90 to a high of 2.24. The Banks industry median Debt-to-Equity is 0.56. Banca Ifis' value of 2.21 is 294.6% above this industry median. Based on the distribution chart, Banca Ifis ranks #1238 out of 1425 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banca Ifis has a GF Score™ of 63/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Banca Ifis' Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Banca Ifis ranks #1238 out of 1425 companies for Debt-to-Equity. This places Banca Ifis in the lower half of its industry. The industry median Debt-to-Equity is 0.56. Banca Ifis' value of 2.21 is 294.6% above this benchmark. Historically, Banca Ifis' own Debt-to-Equity has ranged from 0.90 to 2.24 over the past decade. While the company's 10-year median is 1.54 vs. the industry median of 0.56, Banca Ifis has consistently been above 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,425 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banca Ifis's current Debt-to-Equity of 2.21 is 294.6% above 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Banca Ifis and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banca Ifis's current Debt-to-Equity is 2.21, which is 44% above median its own 10-year median of 1.54. 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 €23.10, compared to a current price of €15.20 — trading 34.2% below its estimated fair value. The current Debt-to-Equity is 2.21, which is 44% above median its 10-year median of 1.54 and 294.6% above the Banks industry median of 0.56. Banca Ifis' overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Banca Ifis (MIL:IF), the current Debt-to-Equity is 2.21 as of Mar. 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 €15.20 is trading 34.2% below its estimated GF Value™ of €23.10.
GuruFocus considers Banca Ifis to be Significantly Undervalued.
Key valuation signals for MIL:IF:
Debt-to-Equity: 2.21 (44% above median its 10-year median of 1.54)
GF Value™: €23.10 vs. price of €15.20 (34.2% below fair value)
Industry Position: 294.6% above the Banks median (#1238 of 1425)
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.
63GF Score
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