BFF BANK SPA (BFF.MI) Stock Fundamental Analysis
Europe - BIT:BFF - IT0005244402 - Common Stock
10.57 EUR
-0.14 (-1.31%)
Overall BFF gets a fundamental rating of 3 out of 10. We evaluated BFF against 52 industry peers in the Financial Services industry. Both the profitability and financial health of BFF have multiple concerns. BFF has a valuation in line with the averages, but it does not seem to be growing. Finally BFF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
BFF had positive earnings in the past year.
Each year in the past 5 years BFF has been profitable.
The reported operating cash flow has been mixed in the past 5 years: BFF reported negative operating cash flow in multiple years.
1.2 Ratios
BFF's Return On Assets of 1.42% is in line compared to the rest of the industry. BFF outperforms 51.92% of its industry peers.
The Return On Equity of BFF (19.91%) is better than 78.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.42% | ||
| ROE | 19.91% | ||
| ROIC | N/A |
ROA(3y)1.64%
ROA(5y)1.64%
ROE(3y)25.93%
ROE(5y)26.4%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BFF has a better Profit Margin (32.22%) than 84.62% of its industry peers.
BFF's Profit Margin has been stable in the last couple of years.
BFF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 32.22% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.22%
PM growth 5Y-1.19%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BFF does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BFF has been increased compared to 1 year ago.
BFF has more shares outstanding than it did 5 years ago.
The debt/assets ratio for BFF is higher compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 0.64 indicates that BFF is somewhat dependend on debt financing.
BFF has a worse Debt to Equity ratio (0.64) than 61.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.61%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BFF have decreased strongly by -44.32% in the last year.
The Earnings Per Share has been growing by 16.88% on average over the past years. This is quite good.
The Revenue for BFF has decreased by -20.65% in the past year. This is quite bad
Measured over the past years, BFF shows a quite strong growth in Revenue. The Revenue has been growing by 19.70% on average per year.
EPS 1Y (TTM)-44.32%
EPS 3Y1.96%
EPS 5Y16.88%
EPS Q2Q%-72.31%
Revenue 1Y (TTM)-20.65%
Revenue growth 3Y17.33%
Revenue growth 5Y19.7%
Sales Q2Q%-50.68%
3.2 Future
Based on estimates for the next years, BFF will show a small growth in Earnings Per Share. The EPS will grow by 5.30% on average per year.
BFF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.24% yearly.
EPS Next Y-19.05%
EPS Next 2Y-1.99%
EPS Next 3Y3.19%
EPS Next 5Y5.3%
Revenue Next Year-8.52%
Revenue Next 2Y1.07%
Revenue Next 3Y3.63%
Revenue Next 5Y4.24%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.19, the valuation of BFF can be described as reasonable.
Based on the Price/Earnings ratio, BFF is valued cheaply inside the industry as 80.77% of the companies are valued more expensively.
BFF is valuated cheaply when we compare the Price/Earnings ratio to 25.51, which is the current average of the S&P500 Index.
BFF is valuated reasonably with a Price/Forward Earnings ratio of 9.59.
Based on the Price/Forward Earnings ratio, BFF is valued a bit cheaper than 75.00% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BFF to the average of the S&P500 Index (34.98), we can say BFF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.19 | ||
| Fwd PE | 9.59 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.54
EPS Next 2Y-1.99%
EPS Next 3Y3.19%
5. Dividend
5.1 Amount
BFF has a Yearly Dividend Yield of 8.60%, which is a nice return.
Compared to an average industry Dividend Yield of 3.37, BFF pays a better dividend. On top of this BFF pays more dividend than 98.08% of the companies listed in the same industry.
BFF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.6% |
5.2 History
On average, the dividend of BFF grows each year by 8.85%, which is quite nice.
Dividend Growth(5Y)8.85%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
The dividend of BFF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DPN/A
EPS Next 2Y-1.99%
EPS Next 3Y3.19%
BIT:BFF (11/18/2025, 7:00:00 PM)
10.57
-0.14 (-1.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners49.15%
Inst Owner ChangeN/A
Ins Owners5.79%
Ins Owner ChangeN/A
Market Cap1.99B
Revenue(TTM)582.93M
Net Income(TTM)187.84M
Analysts81.54
Price Target11.95 (13.06%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.6% |
Yearly Dividend0.86
Dividend Growth(5Y)8.85%
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-13.01%
Min Revenue beat(2)-20.64%
Max Revenue beat(2)-5.38%
Revenue beat(4)0
Avg Revenue beat(4)-10.87%
Min Revenue beat(4)-20.64%
Max Revenue beat(4)-5.38%
Revenue beat(8)2
Avg Revenue beat(8)0.9%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)12.49%
EPS NQ rev (1m)21.43%
EPS NQ rev (3m)70%
EPS NY rev (1m)-0.41%
EPS NY rev (3m)-14.83%
Revenue NQ rev (1m)-29.09%
Revenue NQ rev (3m)-29.09%
Revenue NY rev (1m)-0.52%
Revenue NY rev (3m)-6.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.19 | ||
| Fwd PE | 9.59 | ||
| P/S | 3.42 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.11 | ||
| P/tB | 2.29 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.15
EY10.88%
EPS(NY)1.1
Fwd EY10.42%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.09
BVpS5
TBVpS4.61
PEG (NY)N/A
PEG (5Y)0.54
Graham Number11.38
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.42% | ||
| ROE | 19.91% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 32.22% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)1.64%
ROA(5y)1.64%
ROE(3y)25.93%
ROE(5y)26.4%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.22%
PM growth 5Y-1.19%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-ScoreN/A
WACC6.61%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-44.32%
EPS 3Y1.96%
EPS 5Y16.88%
EPS Q2Q%-72.31%
EPS Next Y-19.05%
EPS Next 2Y-1.99%
EPS Next 3Y3.19%
EPS Next 5Y5.3%
Revenue 1Y (TTM)-20.65%
Revenue growth 3Y17.33%
Revenue growth 5Y19.7%
Sales Q2Q%-50.68%
Revenue Next Year-8.52%
Revenue Next 2Y1.07%
Revenue Next 3Y3.63%
Revenue Next 5Y4.24%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A
BFF BANK SPA / BFF.MI FAQ
What is the ChartMill fundamental rating of BFF BANK SPA (BFF.MI) stock?
ChartMill assigns a fundamental rating of 3 / 10 to BFF.MI.
Can you provide the valuation status for BFF BANK SPA?
ChartMill assigns a valuation rating of 4 / 10 to BFF BANK SPA (BFF.MI). This can be considered as Fairly Valued.
How profitable is BFF BANK SPA (BFF.MI) stock?
BFF BANK SPA (BFF.MI) has a profitability rating of 3 / 10.
How financially healthy is BFF BANK SPA?
The financial health rating of BFF BANK SPA (BFF.MI) is 0 / 10.