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    Financial - Credit Services
Conafi S.p.A.

Conafi S.p.A.

CNF.MI
Conafi S.p.A.IT flagItalian Stock Exchange
0.14
EUR
- -
- -
5.32MMarket Cap
Conafi S.p.A.
CNF.MI
(Italian Stock Exchange)

Recent

price

0.14

P/E

ratio

- -

div

yld

- -

ROIC.AI

2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
TTM
FRC
- -
0.18
0.25
0.26
0.44
0.2
0.21
0.24
0.3
0.27
0.04
0.03
0.03
0.07
0.13
0.07
0.3
Revenue per Share
- -
-0.18
-0.04
-0.08
0.04
-0.22
-0.28
-0.07
-0.06
0.05
0.02
-0.07
-0.04
-0.05
-0.09
-0.05
-0.06
Basic EPS, GAAP
- -
-0.17
-0.17
-0.06
0.02
-0.12
-0.3
0.03
-0.2
0.22
-0.05
-0.03
-0.09
0.02
-0.22
-0.17
-0.2
Free Cash Flow per Basic Share
- -
0.09
0.08
0.08
0.06
0.06
- -
- -
- -
- -
0.05
0.08
0.02
0.03
0.04
- -
- -
Dividend per Share
- -
0.05
0.22
0.18
0.31
0.04
-0.02
0.19
0.2
0.31
0.31
0.23
0.26
0.26
0.21
0.24
0.2
Book Value per Share
- -
1.36
1.36
1.23
1.22
0.97
0.72
0.65
0.6
0.62
0.59
0.48
0.42
0.71
0.56
0.47
0.6
Tangible Book Value per Share
- -
48
43
42
42
42
42
42
42
42
39
37
37
37
37
37
42
Basic Weighted Avg Shares
12
9
11
11
19
9
9
10
13
11
1
1
1
3
5
3
13
Sales/Revenue/Turnover
-12.88
-35.53
-10.88
-13.26
14.33
-28.24
-15.12
-22.64
-36.93
-43.27
-326.93
-237.15
-167.04
-81.49
-6.94
-149.71
-36.75
Operating Margin (%)
- -
2
- -
1
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
-2
-9
-2
-4
2
-9
-12
-3
-3
2
1
-3
-1
-2
-3
-2
-3
Net Income, GAAP
- -
- -
- -
- -
14.76
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Effective Tax Rate (%)
-18.09
-99.53
-14.95
-32.02
9.9
-109.27
-135.13
-31.24
-21.3
16.98
58.4
-241.2
-112.49
-67.59
-68.53
-72.49
-21.3
Profit Margin (%)
- -
78
68
60
53
44
35
32
25
12
20
15
14
24
20
17
25
Working Capital
- -
13
9
9
6
6
6
5
5
- -
- -
- -
- -
- -
- -
- -
5
LT Debt
84
68
62
54
54
41
30
27
25
26
23
18
15
26
21
17
25
Total Equity
- -
- -
- -
- -
3.66
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
11.08
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
-22.28
-200.09
-26.36
-41.59
17.94
-125.89
- -
- -
-32.35
17.56
6.58
-26.86
-15.67
-17.89
-38.94
-22.99
-32.35
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'16
Sep'16
Dec'16
ST Debt
- -
- -
- -
LT Borrowings
6
5
5
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
42
42
42
Market Capitalization
5
6
6

Working Capital

FRC

•

in mil. unless spec.
Jun'16
Sep'16
Dec'16
Total Current Assets
51
39
53
Cash, Cash Equivalents & STI
2
1
2
Accounts Receivable, Net
- -
- -
38
Inventories
- -
- -
- -
Total Current Liabilities
20
21
28
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-5.56%
-0.82%
-16.06%
Free Cash Flow
-245.42%
-291.72%
-23.12%
Net Income, GAAP
-69.53%
-81.55%
-43.42%
Sales/Revenue/Turnover
8.27%
27.81%
-46.51%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
- -
- -
- -
- -
3
2022
- -
- -
- -
- -
5
2023
- -
- -
- -
- -
3

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
- -
- -
- -
- -
-0.05
2022
- -
- -
- -
- -
-0.09
2023
- -
- -
- -
- -
-0.05

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
- -
- -
- -
- -
0.03
2022
- -
- -
- -
- -
0.04
2023
- -
- -
- -
- -
- -
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Business
Conafi S.p.A. Conafi S.p.A. (CNF.MI), a Turin-based investment holding company founded in 1988, operates primarily in the Italian financial services sector, focusing on credit brokerage, intermediation, and non-performing loan (NPL) management. Through its key subsidiaries—Prestitò S.r.l., ISCC Fintech S.p.A., and Società tra Avvocati—the company provides salary-deducted loans (CQS), pension-guaranteed loans (CQP), and payment delegation loans (DP) as a financial agent for major operators; offers credit recovery services across all phases, including management via the ISCC WEB platform; and delivers legal support through its network of over 40 partners in a full-service law firm. Core loan products feature fixed rates up to one-fifth of net salary or pension, durations from 24 to 120 months, maximum financing of €75,000, and guarantees including life risk insurance and credit loss coverage; it also provides the modular "CQS turnkey" service for retail banks to enter the sector without specialized expertise. The company serves permanent employees, retirees, public and private employers, and insurance firms across Italy, with additional corporate offerings in financial advisory, leasing, factoring, and subsidized financing via its former business units. In recent developments, Conafi S.p.A. transformed from Conafi Prestitò S.p.A., ceased direct financial intermediation in 2017 to become a pure holding, merged its wholly-owned unit Alba Finanziaria S.r.l., and in 2025 announced plans to convert into a limited liability company, delist from Euronext Milan on March 12 to reduce costs, and approve its 2025 corporate events calendar including half-year financial reviews.