BFF BANK SPA (BFF.MI) Stock Fundamental Analysis
Europe • Euronext Milan • BIT:BFF • IT0005244402
8.075 EUR
+0.04 (+0.5%)
Last: Jan 30, 2026, 07:00 PM
We assign a fundamental rating of 3 out of 10 to BFF. BFF was compared to 59 industry peers in the Financial Services industry. Both the profitability and financial health of BFF have multiple concerns. BFF is not valued too expensively and it also shows a decent growth rate.
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.
1.2 Ratios
- BFF has a Return On Assets (1.42%) which is in line with its industry peers.
- With a decent Return On Equity value of 19.91%, BFF is doing good in the industry, outperforming 77.97% 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
- The Profit Margin of BFF (32.22%) is better than 83.05% 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 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.
- Compared to 1 year ago, BFF has more shares outstanding
- 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 Debt to Equity ratio (0.64) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 24.31% over the past year.
- Measured over the past years, BFF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.88% on average per year.
- Looking at the last year, BFF shows a quite strong growth in Revenue. The Revenue has grown by 15.76% in the last year.
- 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
- The Earnings Per Share is expected to grow by 5.12% on average over the next years.
- The Revenue is expected to grow by 3.79% on average over the next years.
EPS Next Y-24.57%
EPS Next 2Y-5.39%
EPS Next 3Y0.41%
EPS Next 5Y5.12%
Revenue Next Year-11.35%
Revenue Next 2Y-1.28%
Revenue Next 3Y1.87%
Revenue Next 5Y3.79%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less 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.
4. Valuation
4.1 Price/Earnings Ratio
- BFF is valuated cheaply with a Price/Earnings ratio of 7.02.
- Based on the Price/Earnings ratio, BFF is valued cheaper than 86.44% 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 28.32.
- A Price/Forward Earnings ratio of 7.86 indicates a rather cheap valuation of BFF.
- BFF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BFF is cheaper than 77.97% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. BFF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.02 | ||
| Fwd PE | 7.86 |
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)0.42
EPS Next 2Y-5.39%
EPS Next 3Y0.41%
5. Dividend
5.1 Amount
- BFF has a Yearly Dividend Yield of 8.60%, which is a nice return.
- The stock price of BFF dropped by -22.80% 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 1.99. BFF pays more dividend than 98.31% of the companies in the same industry.
- BFF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.6% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2Y-5.39%
EPS Next 3Y0.41%
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.
What is the valuation status for BFF stock?
ChartMill assigns a valuation rating of 5 / 10 to BFF BANK SPA (BFF.MI). This can be considered as Fairly Valued.
What is the profitability of BFF stock?
BFF BANK SPA (BFF.MI) has a profitability rating of 3 / 10.
What are the PE and PB ratios of BFF BANK SPA (BFF.MI) stock?
The Price/Earnings (PE) ratio for BFF BANK SPA (BFF.MI) is 7.02 and the Price/Book (PB) ratio is 1.61.