BFF BANK SPA (BFF.MI) Fundamental Analysis & Valuation

BIT:BFF • IT0005244402

Current stock price

2.074 EUR
-0.33 (-13.66%)
Last:

This BFF.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. BFF.MI Profitability Analysis

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M

1.2 Ratios

  • BFF has a Return On Assets of 1.16%. This is comparable to the rest of the industry: BFF outperforms 50.00% of its industry peers.
  • BFF has a Return On Equity of 15.46%. This is in the better half of the industry: BFF outperforms 73.08% of its industry peers.
Industry RankSector Rank
ROA 1.16%
ROE 15.46%
ROIC N/A
ROA(3y)1.26%
ROA(5y)1.46%
ROE(3y)18.56%
ROE(5y)24.15%
ROIC(3y)N/A
ROIC(5y)N/A
BFF.MI Yearly ROA, ROE, ROICBFF.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • The Profit Margin of BFF (24.79%) is better than 82.69% of its industry peers.
  • In the last couple of years the Profit Margin of BFF has declined.
  • 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) 24.79%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-30.73%
PM growth 5Y-15.61%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. BFF.MI Health Analysis

2.1 Basic Checks

  • 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.
  • BFF has a worse debt/assets ratio than last year.
BFF.MI Yearly Shares OutstandingBFF.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
BFF.MI Yearly Total Debt VS Total AssetsBFF.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • A Debt/Equity ratio of 0.67 indicates that BFF is somewhat dependend on debt financing.
  • BFF has a Debt to Equity ratio (0.67) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BFF.MI Yearly LT Debt VS Equity VS FCFBFF.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M 600M 800M 1B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. BFF.MI Growth Analysis

3.1 Past

  • The earnings per share for BFF have decreased strongly by -49.44% in the last year.
  • Measured over the past years, BFF shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.12% on average per year.
  • Looking at the last year, BFF shows a very negative growth in Revenue. The Revenue has decreased by -17.54% in the last year.
  • Measured over the past years, BFF shows a quite strong growth in Revenue. The Revenue has been growing by 12.47% on average per year.
EPS 1Y (TTM)-49.44%
EPS 3Y-31.9%
EPS 5Y-6.12%
EPS Q2Q%-100.46%
Revenue 1Y (TTM)-17.54%
Revenue growth 3Y-3.09%
Revenue growth 5Y12.47%
Sales Q2Q%87.01%

3.2 Future

  • BFF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.98% yearly.
  • Based on estimates for the next years, BFF will show a small growth in Revenue. The Revenue will grow by 0.23% on average per year.
EPS Next Y22.2%
EPS Next 2Y13.77%
EPS Next 3Y5.63%
EPS Next 5Y8.98%
Revenue Next Year-0.98%
Revenue Next 2Y2.21%
Revenue Next 3Y2.02%
Revenue Next 5Y0.23%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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 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 0.2 0.4 0.6 0.8 1

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6

4. BFF.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 2.73, the valuation of BFF can be described as very cheap.
  • Based on the Price/Earnings ratio, BFF is valued cheaply inside the industry as 92.31% of the companies are valued more expensively.
  • BFF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.64.
  • The Price/Forward Earnings ratio is 2.48, which indicates a rather cheap valuation of BFF.
  • 94.23% of the companies in the same industry are more expensive than BFF, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of BFF to the average of the S&P500 Index (21.36), we can say BFF is valued rather cheaply.
Industry RankSector Rank
PE 2.73
Fwd PE 2.48
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

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.12
PEG (5Y)N/A
EPS Next 2Y13.77%
EPS Next 3Y5.63%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. BFF.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 8.60%, BFF is a good candidate for dividend investing.
  • The stock price of BFF dropped by -74.32% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • BFF's Dividend Yield is rather good when compared to the industry average which is at 2.39. BFF pays more dividend than 96.15% of the companies in the same industry.
  • BFF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 8.6%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

DP0%
EPS Next 2Y13.77%
EPS Next 3Y5.63%
BFF.MI Yearly Income VS Free CF VS DividendBFF.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M

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BFF.MI Fundamentals: All Metrics, Ratios and Statistics

BFF BANK SPA

BIT:BFF (4/30/2026, 7:00:00 PM)

2.074

-0.33 (-13.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Industry Strength50.68
Industry Growth53.33
Earnings (Last)02-10
Earnings (Next)05-11
Inst Owners43.06%
Inst Owner ChangeN/A
Ins Owners5.78%
Ins Owner ChangeN/A
Market Cap391.78M
Revenue(TTM)576.12M
Net Income(TTM)142.81M
Analysts50
Price Target5.69 (174.35%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.6%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
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)2
Avg Revenue beat(2)34.87%
Min Revenue beat(2)8.28%
Max Revenue beat(2)61.45%
Revenue beat(4)2
Avg Revenue beat(4)10.93%
Min Revenue beat(4)-20.64%
Max Revenue beat(4)61.45%
Revenue beat(8)3
Avg Revenue beat(8)8.75%
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)-9.99%
PT rev (3m)-52.84%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-1.65%
EPS NY rev (3m)-18.4%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-4.09%
Revenue NY rev (3m)-12.72%
Valuation
Industry RankSector Rank
PE 2.73
Fwd PE 2.48
P/S 0.68
P/FCF N/A
P/OCF N/A
P/B 0.42
P/tB 0.46
EV/EBITDA N/A
EPS(TTM)0.76
EY36.64%
EPS(NY)0.84
Fwd EY40.4%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.05
BVpS4.89
TBVpS4.53
PEG (NY)0.12
PEG (5Y)N/A
Graham Number9.14509 (340.94%)
Profitability
Industry RankSector Rank
ROA 1.16%
ROE 15.46%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.79%
GM N/A
FCFM N/A
ROA(3y)1.26%
ROA(5y)1.46%
ROE(3y)18.56%
ROE(5y)24.15%
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-30.73%
PM growth 5Y-15.61%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.67
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
WACCN/A
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)-49.44%
EPS 3Y-31.9%
EPS 5Y-6.12%
EPS Q2Q%-100.46%
EPS Next Y22.2%
EPS Next 2Y13.77%
EPS Next 3Y5.63%
EPS Next 5Y8.98%
Revenue 1Y (TTM)-17.54%
Revenue growth 3Y-3.09%
Revenue growth 5Y12.47%
Sales Q2Q%87.01%
Revenue Next Year-0.98%
Revenue Next 2Y2.21%
Revenue Next 3Y2.02%
Revenue Next 5Y0.23%
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 Fundamental Analysis 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.


What is the valuation status for BFF stock?

ChartMill assigns a valuation rating of 6 / 10 to BFF BANK SPA (BFF.MI). This can be considered as Fairly Valued.


Can you provide the profitability details for BFF BANK SPA?

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.


How sustainable is the dividend of BFF BANK SPA (BFF.MI) stock?

The dividend rating of BFF BANK SPA (BFF.MI) is 6 / 10 and the dividend payout ratio is 0%.