Banca IFIS S.p.A. (BIT:IF)

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	155.08	161.58	160.11	141.09	100.58	68.8
Depreciation & Amortization	25.7	22.89	17.71	16.92	10.29	9.03
Other Amortization	0.37	0.37	-	-	8.45	8.79
Gain (Loss) on Sale of Investments	-23.53	-22.2	-7.94	-13.33	-9.83	13.22
Total Asset Writedown	0.02	0.02	-	-	-	0.7
Provision for Credit Losses	-77.55	-93.4	-79.26	-54.3	-45.34	48.9
Change in Trading Asset Securities	-447.21	51.72	-35.26	-115.57	321.27	383.51
Change in Other Net Operating Assets	240.86	-406.17	300.59	356.68	-478.95	-358.49
Other Operating Activities	76.69	93.67	89.45	68.48	166.95	30.85
Operating Cash Flow	-49.58	-191.52	445.41	399.95	73.42	205.3
Operating Cash Flow Growth	-	-	11.37%	444.73%	-64.24%	45.89%
Capital Expenditures	-47.47	-32.2	-24.3	-7.5	-11.55	-37.47
Sale of Property, Plant and Equipment	-	-	1.9	0.05	-	50.5
Cash Acquisitions	-	-	-63.07	-	94.17	6.82
Investment in Securities	-	-	-	0.01	-	0.01
Purchase / Sale of Intangibles	-22.53	-18.46	-20.39	-10.08	-9.08	-9.54
Investing Cash Flow	-69.99	-50.66	-105.85	-17.51	73.54	10.32
Repurchase of Common Stock	-	-	-	-19.3	-	-
Common Dividends Paid	-113.01	-110.34	-85.16	-102.47	-83.05	-
Other Financing Activities	4.89	-	-	-12.92	-0.13	-0.01
Financing Cash Flow	-108.11	-110.34	-85.16	-134.69	-83.18	-0.01
Net Cash Flow	-227.68	-352.52	254.4	247.75	63.78	215.62
Free Cash Flow	-97.04	-223.72	421.11	392.46	61.87	167.83
Free Cash Flow Growth	-	-	7.30%	534.31%	-63.13%	25.49%
Free Cash Flow Margin	-15.26%	-33.80%	64.77%	65.21%	11.77%	42.75%
Free Cash Flow Per Share	-1.81	-4.19	8.01	7.45	1.16	3.14

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.