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BFF BANK SPA (BFF.MI) Stock Fundamental Analysis

Europe - BIT:BFF - IT0005244402 - Common Stock

11.08 EUR
-0.07 (-0.63%)
Last: 9/29/2025, 9:30:53 AM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BFF. BFF was compared to 49 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. BFF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

BFF had positive earnings in the past year.
In the past 5 years BFF has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: BFF reported negative operating cash flow in multiple years.
BFF.MI Yearly Net Income VS EBIT VS OCF VS FCFBFF.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M

1.2 Ratios

BFF has a Return On Assets of 1.42%. This is comparable to the rest of the industry: BFF outperforms 42.86% of its industry peers.
Looking at the Return On Equity, with a value of 19.91%, BFF is in the better half of the industry, outperforming 73.47% of the companies in the same industry.
Industry RankSector 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
BFF.MI Yearly ROA, ROE, ROICBFF.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

BFF's Profit Margin of 32.22% is fine compared to the rest of the industry. BFF outperforms 77.55% of its industry peers.
In the last couple of years the Profit Margin of BFF has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for BFF so they could not be analyzed.
Industry RankSector 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
BFF.MI Yearly Profit, Operating, Gross MarginsBFF.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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0

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.
Compared to 1 year ago, BFF has a worse debt to assets ratio.
BFF.MI Yearly Shares OutstandingBFF.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
BFF.MI Yearly Total Debt VS Total AssetsBFF.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

A Debt/Equity ratio of 0.64 indicates that BFF is somewhat dependend on debt financing.
BFF's Debt to Equity ratio of 0.64 is on the low side compared to the rest of the industry. BFF is outperformed by 61.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.63%
BFF.MI Yearly LT Debt VS Equity VS FCFBFF.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BFF.MI Yearly Current Assets VS Current LiabilitesBFF.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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3

3. Growth

3.1 Past

BFF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -44.32%.
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 a very negative growth in Revenue. In the last year, the Revenue has decreased by -20.65%.
The Revenue has been growing by 19.70% on average over the past years. This is quite good.
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

BFF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.25% yearly.
BFF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.19% yearly.
EPS Next Y-18.72%
EPS Next 2Y-1.7%
EPS Next 3Y3.4%
EPS Next 5Y5.25%
Revenue Next Year-3.09%
Revenue Next 2Y3.48%
Revenue Next 3Y3.75%
Revenue Next 5Y4.19%

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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
BFF.MI Yearly Revenue VS EstimatesBFF.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 100M 200M 300M 400M 500M
BFF.MI Yearly EPS VS EstimatesBFF.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.5 1

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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.63, the valuation of BFF can be described as reasonable.
BFF's Price/Earnings ratio is a bit cheaper when compared to the industry. BFF is cheaper than 77.55% 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 27.54.
The Price/Forward Earnings ratio is 10.00, which indicates a very decent valuation of BFF.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BFF indicates a somewhat cheap valuation: BFF is cheaper than 71.43% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.05. BFF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.63
Fwd PE 10
BFF.MI Price Earnings VS Forward Price EarningsBFF.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BFF.MI Per share dataBFF.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4 5

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.57
EPS Next 2Y-1.7%
EPS Next 3Y3.4%

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7

5. Dividend

5.1 Amount

BFF has a Yearly Dividend Yield of 8.60%, which is a nice return.
BFF's Dividend Yield is rather good when compared to the industry average which is at 3.63. BFF pays more dividend than 95.92% of the companies in the same industry.
BFF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
Industry RankSector 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-1.7%
EPS Next 3Y3.4%
BFF.MI Yearly Income VS Free CF VS DividendBFF.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M

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BFF BANK SPA

BIT:BFF (9/29/2025, 9:30:53 AM)

11.08

-0.07 (-0.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-05 2025-08-05/amc
Earnings (Next)11-10 2025-11-10
Inst Owners49.15%
Inst Owner ChangeN/A
Ins Owners5.79%
Ins Owner ChangeN/A
Market Cap2.09B
Analysts81.54
Price Target11.95 (7.85%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)1.35%
PT rev (3m)12.61%
EPS NQ rev (1m)40%
EPS NQ rev (3m)-57.58%
EPS NY rev (1m)-2.81%
EPS NY rev (3m)-14.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-1.86%
Revenue NY rev (3m)-3.6%
Valuation
Industry RankSector Rank
PE 9.63
Fwd PE 10
P/S 3.58
P/FCF N/A
P/OCF N/A
P/B 2.21
P/tB 2.4
EV/EBITDA N/A
EPS(TTM)1.15
EY10.38%
EPS(NY)1.11
Fwd EY10%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.09
BVpS5.01
TBVpS4.61
PEG (NY)N/A
PEG (5Y)0.57
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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)-44.32%
EPS 3Y1.96%
EPS 5Y16.88%
EPS Q2Q%-72.31%
EPS Next Y-18.72%
EPS Next 2Y-1.7%
EPS Next 3Y3.4%
EPS Next 5Y5.25%
Revenue 1Y (TTM)-20.65%
Revenue growth 3Y17.33%
Revenue growth 5Y19.7%
Sales Q2Q%-50.68%
Revenue Next Year-3.09%
Revenue Next 2Y3.48%
Revenue Next 3Y3.75%
Revenue Next 5Y4.19%
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