BFF BANK SPA (BFF.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:BFF - IT0005244402 - Common Stock
9.5 EUR
+0.01 (+0.11%)
Taking everything into account, BFF scores 3 out of 10 in our fundamental rating. BFF was compared to 56 industry peers in the Financial Services industry. BFF has a bad profitability rating. Also its financial health evaluation is rather negative. BFF has a decent growth rate and is not valued too expensively. Finally BFF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
BFF had positive earnings in the past year.
In the past 5 years BFF has always been profitable.
In multiple years BFF reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.42%, BFF is in line with its industry, outperforming 55.36% of the companies in the same industry.
With an excellent Return On Equity value of 19.91%, BFF belongs to the best of the industry, outperforming 80.36% of the companies in the same industry.
| 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's Profit Margin of 32.22% is amongst the best of the industry. BFF outperforms 85.71% of its industry peers.
In the last couple of years the Profit Margin of BFF has remained more or less at the same level.
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.
The number of shares outstanding for BFF has been increased compared to 5 years ago.
Compared to 1 year ago, BFF has a worse debt to assets ratio.
2.2 Solvency
BFF has a Debt/Equity ratio of 0.64. This is a neutral value indicating BFF is somewhat dependend on debt financing.
BFF has a Debt to Equity ratio of 0.64. This is comparable to the rest of the industry: BFF outperforms 42.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.63%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BFF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.31%, which is quite impressive.
BFF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.88% yearly.
BFF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.76%.
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)24.31%
EPS 3Y1.96%
EPS 5Y16.88%
EPS Q2Q%26.67%
Revenue 1Y (TTM)15.76%
Revenue growth 3Y17.33%
Revenue growth 5Y19.7%
Sales Q2Q%16.88%
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 5.43% on average per year.
Based on estimates for the next years, BFF will show a small growth in Revenue. The Revenue will grow by 4.09% on average per year.
EPS Next Y-21.8%
EPS Next 2Y-3.95%
EPS Next 3Y1.17%
EPS Next 5Y5.43%
Revenue Next Year-11.35%
Revenue Next 2Y-1.28%
Revenue Next 3Y1.87%
Revenue Next 5Y4.09%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
With a Price/Earnings ratio of 8.26, the valuation of BFF can be described as very reasonable.
Based on the Price/Earnings ratio, BFF is valued cheaper than 83.93% of the companies in the same industry.
BFF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.77.
A Price/Forward Earnings ratio of 8.98 indicates a reasonable valuation of BFF.
BFF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BFF is cheaper than 71.43% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.35. BFF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.26 | ||
| Fwd PE | 8.98 |
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)0.49
EPS Next 2Y-3.95%
EPS Next 3Y1.17%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.60%, BFF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.10, BFF pays a better dividend. On top of this BFF pays more dividend than 98.21% 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 2.00.
| 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
BFF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DPN/A
EPS Next 2Y-3.95%
EPS Next 3Y1.17%
BIT:BFF (12/30/2025, 7:00:00 PM)
9.5
+0.01 (+0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners49.41%
Inst Owner ChangeN/A
Ins Owners5.79%
Ins Owner ChangeN/A
Market Cap1.79B
Revenue(TTM)509.11M
Net Income(TTM)187.84M
Analysts81.54
Price Target12.16 (28%)
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)1.8%
EPS NQ rev (1m)0%
EPS NQ rev (3m)21.43%
EPS NY rev (1m)-3.39%
EPS NY rev (3m)-3.78%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-28.28%
Revenue NY rev (1m)-3.1%
Revenue NY rev (3m)-8.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.26 | ||
| Fwd PE | 8.98 | ||
| P/S | 3.07 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.9 | ||
| P/tB | 2.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.15
EY12.11%
EPS(NY)1.06
Fwd EY11.14%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.09
BVpS5
TBVpS4.61
PEG (NY)N/A
PEG (5Y)0.49
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
WACC6.63%
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)24.31%
EPS 3Y1.96%
EPS 5Y16.88%
EPS Q2Q%26.67%
EPS Next Y-21.8%
EPS Next 2Y-3.95%
EPS Next 3Y1.17%
EPS Next 5Y5.43%
Revenue 1Y (TTM)15.76%
Revenue growth 3Y17.33%
Revenue growth 5Y19.7%
Sales Q2Q%16.88%
Revenue Next Year-11.35%
Revenue Next 2Y-1.28%
Revenue Next 3Y1.87%
Revenue Next 5Y4.09%
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.