Banca IfisMIL:IF +4.01%59 Return-on-Tangible-Equity is 6.25% as of Mar. 2026, which is 38% below its 10-year median of 10.10. GuruFocus rates MIL:IF with a GF Score™ of 59/100 and a GF Value™ of €23.48 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, Banca Ifis ranks better than 79.38% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Banca Ifis's annualized net income for the quarter that ended in Mar. 2026 was €125.1 Mil. Banca Ifis's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €2,000.7 Mil. Therefore, Banca Ifis's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 6.25%.
The historical rank and industry rank for Banca Ifis's Return-on-Tangible-Equity or its related term are showing as below:
MIL:IF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.69 Med: 10.1 Max: 78.4
Current: 16.21
During the past 13 years, Banca Ifis's highest Return-on-Tangible-Equity was 78.40%. The lowest was 4.69%. And the median was 10.10%.
MIL:IF's Return-on-Tangible-Equity is ranked better than 79.38% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs MIL:IF: 16.21
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Banca Ifis Return-on-Tangible-Equity Related Terms
Banca Ifis Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Banca Ifis's Return-on-Tangible-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.
MIL:IF vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Banca Ifis's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Banca Ifis's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Banca Ifis's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 6.25% mean?
Banca Ifis (MIL:IF) has a Return-on-Tangible-Equity of 6.25% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Banca Ifis and its competitors. This is 38% below median its historical median of 10.10. Over the past decade, Banca Ifis' Return-on-Tangible-Equity has ranged from 4.69 to 78.40. According to the industry distribution chart, Banca Ifis ranks #314 out of 1523 companies in the Banks industry, placing it in the top 20.6%.
Is Banca Ifis' Return-on-Tangible-Equity too high?
Banca Ifis' current Return-on-Tangible-Equity of 6.25% is 38% below median its 10-year median of 10.10. Over the past 10 years, this metric has ranged from a low of 4.69 to a high of 78.40. The Banks industry median Return-on-Tangible-Equity is 11.20. Banca Ifis' value of 6.25% is 44.2% below this industry median. Based on the distribution chart, Banca Ifis ranks #314 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banca Ifis has a GF Score™ of 59/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Banca Ifis' Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Banca Ifis ranks #314 out of 1523 companies for Return-on-Tangible-Equity. This places Banca Ifis in the top 21% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. Banca Ifis' value of 6.25% is 44.2% below this benchmark. Historically, Banca Ifis' own Return-on-Tangible-Equity has ranged from 4.69 to 78.40 over the past decade. While the company's 10-year median is 10.10 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banca Ifis's current Return-on-Tangible-Equity of 6.25% is 44.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Banca Ifis and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banca Ifis's current Return-on-Tangible-Equity is 6.25%, which is 38% below median its own 10-year median of 10.10. 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 €23.48, compared to a current price of €12.71 — trading 45.9% below its estimated fair value. The current Return-on-Tangible-Equity is 6.25%, which is 38% below median its 10-year median of 10.10 and 44.2% below the Banks industry median of 11.20. Banca Ifis' overall GF Score™ is 59/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Banca Ifis (MIL:IF), the current Return-on-Tangible-Equity is 6.25% 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 €12.71 is trading 45.9% below its estimated GF Value™ of €23.48.
GuruFocus considers Banca Ifis to be Significantly Undervalued.
Key valuation signals for MIL:IF:
Return-on-Tangible-Equity: 6.25% (38% below median its 10-year median of 10.10)
GF Value™: €23.48 vs. price of €12.71 (45.9% below fair value)
Industry Position: 44.2% below the Banks median (#314 of 1523)
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.
59GF Score
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