Factorcoop becomes a fintech. Caprini arrives to drive innovation

Factorcoop, the factoring company owned by the largest Italian consumer cooperatives, closed 2025 with profits of 2,34 million, up 3%.

This is one of the best sets of results of the last 20 years, achieved while keeping credit risk cover stable and with a significant increase in the provision fund, amounting to 1,6 million.

Founded in 1983, the company is preparing for a profound innovation of its business model, which will soon place it among the fintechs.

Factorcoop’s strategic plan

The technological and operational transformation, outlined in the 2026-2028 strategic plan, is already under way and has been entrusted to Fausto Caprini, manager, entrepreneur and leading expert in innovation and the digital transformation of Italian retail.

The first objective is to manage the entire payment services chain in-house within a few months, offering accounts with an IBAN for carrying out payment transactions (which do not constitute a bank deposit or the collection of savings) and enabling companies to reduce their dependence on traditional interbank networks.

The company’s chief executive Marco Fossi and Caprini himself, recently appointed Factorcoop’s innovation lead, explained that the financial market is transforming at a speed that allows no delay.

Marco Fossi: “The digital euro will structurally change the way payments are managed”

“Factorcoop,” says Fossi, “is not merely adapting to change: it wants to be among those leading it, putting the solidity of the cooperative system and the ability to offer partners financial instruments fit for tomorrow at the centre. This is also in view of the introduction of the digital euro, the currency issued directly by the European Central Bank, which will structurally change the way citizens and companies manage payments.”

A balance sheet to frame

During 2025, the total volumes intermediated by Factorcoop rose from 1,96 to 2,07 billion.

In detail, factoring turnover increased by 5,2%, rising from 1,64 to 1,73 billion euros in 2025, while on the Sdd (Sepa direct debit) service side, transaction volumes increased by 6,2%, from 322 million in 2024 to the current 342 million.

Profit, over 10 years, that is, since 2015, has recorded a positive change of 70%, and the year’s figure ranked as the second-best result of the last twenty years.

This development has also led to a strengthening of the company’s capital, which now holds own funds up 0,6% compared with 31 December 2024.

Factorcoop is listed in the Single Register of financial intermediaries and has always been supervised by the Bank of Italy; since July 2011 it has also been a payment institution, and since 2019 it has been connected to the PagoPA Node.

Always controlled by the consumer cooperatives – Coop Alleanza 3.0, Unicoop Etruria, Coop Lombardia, Coop Liguria, Novacoop, Coop Italia – until 2016 it dealt exclusively with the receivables that supplier companies held against the Co-ops.

Last year, the portfolio composition confirmed the primary role of the food sector, which accounts for 51% of turnover (52% in 2024), and is strategic for Gdo. The non-food sector, on the other hand, reduced its share, falling from 20% in 2024 to 17% in 2025 in terms of intermediated volumes.

The utility bill payment service at tills is also continuing to grow, provided for Coop members and customers: last year, 3,50 million bills were processed, for a value of 371 million euros.

Other articles:

Factorcoop’s intermediated receivables soar (2022)

Factorcoop will offer financial services to all suppliers in the Gdo system

FACTORCOOP IN FOUR FIGURES

This article was translated from the original Italian version with the assistance of artificial intelligence. In case of discrepancies, please refer to the original Italian version.