Stellantis Financial Services Italia

What Stellantis Financial Services Italia does

Stellantis Financial Services Italia S.p.A. is an Italian financial services company (Società per Azioni) founded in 2016 and headquartered in Turin, operating as the captive automotive finance and insurance arm for Stellantis brands in Italy. The company is wholly owned by Banco Santander S.A., with its core business supervised by Banca d'Italia. SFSI offers installment financing (Rateale, including a guaranteed future value variant), leasing (Leasing Privati for individuals, Evolease for businesses), private rental (Noleggio a Privati), and a broad portfolio of vehicle insurance and protection products covering theft and fire, hail, tire, extended warranty, GAP, and personal accident risks, distributed through partnerships with UnipolSai, Nobis, Stellantis Insurance Europe, and Stellantis Life Insurance Europe.

The product portfolio is anchored to the Stellantis dealer network in Italy, covering Abarth, Alfa Romeo, Fiat, Fiat Professional, Jeep, Lancia, Maserati, Peugeot, Opel, Citroen, and DS, and is supported by digital infrastructure including the MyFinance customer portal, the MyRent rental portal, a financing widget for dealer websites, the Easypay digital payment system, and DocuSign-based qualified electronic signature. The business model is recurring in nature — interest income on the loan and lease book, lease rental payments, and recurring insurance commissions — supplemented by transaction revenue from periodic auto-loan securitizations. Notable scale markers include a paid-in share capital of €140,309,000, a headcount of approximately 323 employees, and multiple ABS issuances in 2026 totaling over €2.2 billion (€1.2B in June 2026, €1.0B in June 2026, and the Sirio Project €1.2B issuance). SFSI also holds MIMIT accreditation for administering Legge Sabatini SME vehicle investment subsidies and an EMIR total exemption on intragroup derivatives with Banco Santander, where annual average IRS notional usage is €866.67 million against a €5.2 billion gross notional book.

Name

Stellantis Financial Services Italia

Legal name

Stellantis Financial Services Italia S.p.A.

Website

https://stellantis-financial-services.it

Company type

Private

Operating status

Operating

Headcount range

251–500 employees

Short description

Stellantis Financial Services Italia is the captive Italian auto-finance and insurance arm of Stellantis, wholly owned by Banco Santander, providing financing, leasing, rental, and insurance products through the Stellantis dealer network in Italy.

Ownership category

akta.pro rank

Product category

Automotive Finance

NAICS

Insurance Carriers and Related Activities (524), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Personal Credit Institutions (6141), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance Distribution & Premium Financing (FSAGALAF)

akta.pro secondary industry

Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds) (FSAEALAM)

Keywords

• Automotive financing
• Vehicle leasing
• Auto insurance
• Captive finance
• Fleet financing

Headquarters

HQ city

Turin

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Auto Financing (Rateale): Installment financing products for vehicle purchases, including standard installment plans and guaranteed future value products. Revenue generated from interest on loans and financing fees.
2. Vehicle Leasing: Leasing solutions for both private individuals and business customers, including operational leasing through Evolease for business clients. Revenue from lease payments and residual value.
3. Private Rental (Noleggio): Vehicle rental services to private individuals on flexible terms.
4. Insurance Products: Vehicle insurance products including theft and fire coverage, hail protection, tire protection, extended warranty, GAP insurance, and personal accident insurance offered through partner insurance companies.
5. Securitization Transactions: Periodic securitization of auto loan portfolios to manage balance sheet and funding. The company has completed multiple ABS transactions totaling over €1 billion.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Stellantis Financial Services Italia S.p.A. is an Italian financial services company that provides automotive financing, leasing, rental, and insurance products for vehicles of Stellantis Group brands including Fiat, Jeep, Alfa Romeo, Maserati, Lancia, Peugeot, Opel, Abarth, and others. The company offers installment financing (Rateale), guaranteed future value financing, private and business leasing (Evolease), private rental, and a broad portfolio of vehicle insurance and protection products. Financial products are distributed primarily through the Stellantis authorized dealer network across Italy, supported by digital self-service portals MyFinance and MyRent.

Product overview

Stellantis Financial Services Italia is a financial services company providing a comprehensive suite of automotive financing and insurance products. The offering spans three main categories: (1) Financial Products — including installment financing (Rateale), guaranteed future value financing (Rateale Valore Futuro Garantito), and leasing (Leasing Privati and Evolease) for both private individuals and business customers, plus private rental (Noleggio a Privati); (2) Insurance and Protection Services — including vehicle insurance products (Furto e Incendio), add-on protections (Antifurto IdentiCar, Estensione Garanzia & Manutenzione, Franchigia Rimborsata, Protezione Pneumatici, Protezione Grandine, Semprenuova), credit protection (GAP), and the ACCANTO assistance product; and (3) Digital Services — MyFinance (account management portal) and MyRent (rental document portal). The portfolio is anchored to Stellantis Group vehicle brands and distributed through the dealer network.

Differentiator

Problem solved

Functional benefit

Brands

• MyFinance: Online customer portal for managing financing and loans
• MyRent
• Evolease
• Identicar
• Accanto

Products and services

• Rateale Valore Futuro Garantito Installment financing product with a guaranteed future value (balloon) for private individuals purchasing Stellantis brand vehicles, allowing a deferred final payment while spreading the vehicle cost over time.
• Rateale (Privati) Standard installment financing product for private individuals purchasing Stellantis brand vehicles, structured as fixed periodic payments.
• Leasing Privati Leasing product designed for private individuals, enabling vehicle use through regular rental payments with an option to purchase at end of term.
• Evolease Business leasing solution tailored for fleet financing needs of business customers purchasing Stellantis brand vehicles.
• Noleggio a Privati Long-term vehicle rental service for private individuals, providing short- or medium-term access to vehicles without ownership.
• Furto e Incendio Vehicle insurance covering damage or loss due to theft, fire, or related events, available in multiple tiers (COMFORT, EASY, PLUS, TOP) with optional deductible refund.
• Antifurto IdentiCar Vehicle anti-theft identification and tracking system branded as IdentiCar, sold as a protection solution to deter theft.
• Estensione Garanzia & Manutenzione Extended warranty and scheduled maintenance package covering vehicle repair costs beyond the standard manufacturer's warranty.
• Franchigia Rimborsata Deductible reimbursement insurance that refunds the policyholder's excess in the event of an insurance claim.
• Goods in Transit Insurance coverage for goods transported inside the vehicle, protecting against loss or damage during transit.
• Protezione Pneumatici Tire protection insurance covering repair or replacement of damaged tires.
• Semprenuova Always-new vehicle protection product covering costs to keep the vehicle in new condition or replace it in defined circumstances.
• Protezione Grandine Hail damage protection insurance covering vehicle bodywork repairs or total loss caused by hailstorms.
• ACCANTO Personal protection and assistance product providing vacation coverage, lifestyle equipment value protection, and enhanced protection tiers for the customer.
• GAP Guaranteed Asset Protection insurance covering the difference between a vehicle's market value and the outstanding financing balance in case of total loss or theft.
• Firma Elettronica Qualificata Qualified electronic signature service for digital contract signing, built on DocuSign with certificate policy and QuickSign registration for secure document execution.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• UnipolSaicoreOthersInsurance partner providing vehicle insurance products including Furto e Incendio (Theft and Fire) coverage with multiple tier options (COMFORT, EASY, PLUS, TOP) and Franchigia Rimborsata (Deductible Refund) insurance.
• Nobis Compagnia di AssicurazionicoreOthersInsurance partner providing vehicle protection products including Protezione Pneumatici (Tire Protection), Semprenuova (Always New), and Protezione Grandine (Hail Protection) insurance products.
• Stellantis Insurance Europe LtdcoreOthersInsurance partner providing ACCANTO (vacation and personal protection) and GAP insurance products. ACCANTO offers personal protection with options for vacation coverage, lifestyle equipment value, and enhanced protection tiers.
• Stellantis Life Insurance Europe LtdminorOthersInsurance partner for life insurance products offered through Stellantis Financial Services.
• Sara AssicurazioniminorOthersInsurance partner for certain vehicle insurance products, with complaints handled through Stellantis Financial Services client service channels.
• SpoticarcoreChannel Partner/ Reseller/ DistributorStellantis certified pre-owned vehicle program partner offering insurance products including Maxima extended warranty for used vehicles, and Spoticar Protection packages (Premium, Advanced, Premium Plus, Selection Premium, Selection Advanced).
• Akita Consult (CRIBIS)minorImplementation/ SI/ Consulting PartnerConsulting partner providing support for Legge Sabatini (Nuova Sabatini) government subsidy program administration for SME customers. Email contact: [email protected]
• DocuSigncoreTechnology or IntegrationProvides qualified electronic signature services for digital contract signing. The company offers DocuSign-based signature solutions with Certificate Policy and QuickSign Registration services for secure digital document execution.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Others

• Santander Consumer Bank: European consumer finance arm of SFSI's parent company Banco Santander, operating across multiple European markets. Related entity through common ownership, providing context on parent group's auto finance strategy and risk appetite.

Direct peers

• Volkswagen Financial Services: Global captive finance arm for Volkswagen Group, providing auto financing, leasing, insurance, and mobility services across multiple brands. Direct comparable to SFSI in business model, product suite, and dealer-distribution model.
• Agos Ducato: Italian consumer finance company (joint venture of Crédit Agricole and Banco BPM) offering auto loans, personal loans, and credit cards. Direct competitor in Italian consumer credit including auto financing.
• Fiditalia: Italian consumer finance company (owned by Société Générale) offering personal loans, auto loans, and salary-backed loans. Direct competitor in Italian consumer credit including auto financing.
• Mercedes-Benz Financial Services: Captive finance arm of Mercedes-Benz Group providing financing, leasing, and insurance for Mercedes-Benz vehicles. Comparable business model and dealer-distribution approach for premium auto brands.
• Compass (Mediobanca): Italian consumer finance company (Mediobanca Group) offering personal loans, auto loans, and specialty financing including salary-backed loans. Direct competitor in Italian consumer credit market.
• Findomestic: Leading Italian consumer finance company (owned by BNL/BNP Paribas) offering personal loans, auto loans, and credit cards. Direct competitor in Italian consumer credit including auto financing through dealer and direct channels.
• Toyota Financial Services: Captive finance arm of Toyota Motor Corporation providing financing, leasing, and insurance globally. Direct comparable in captive auto finance operating model and insurance product extension.
• FCA Bank: Originally the captive finance arm of FCA (now Stellantis) in multiple European markets. Sister entity within the Stellantis ecosystem that SFSI parallels in business model and product portfolio.
• BMW Financial Services: Captive finance subsidiary of BMW Group offering financing, leasing, and insurance for BMW and MINI vehicles. Highly comparable in captive auto finance business model focused on premium brand distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/stellantis-financial-services-italia

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Stellantis Financial Services Italia