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BFF BANK SPA (BFF.MI) Stock Fundamental Analysis

BIT:BFF - Euronext Milan - IT0005244402 - Common Stock - Currency: EUR

8.225  +0.03 (+0.3%)

Fundamental Rating

3

Overall BFF gets a fundamental rating of 3 out of 10. We evaluated BFF against 50 industry peers in the Financial Services industry. BFF has a bad profitability rating. Also its financial health evaluation is rather negative. BFF is not valued too expensively and it also shows a decent growth rate. BFF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year BFF was profitable.
In the past 5 years BFF has always been profitable.
In multiple years BFF reported negative operating cash flow during the last 5 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 2.33%. This is comparable to the rest of the industry: BFF outperforms 52.00% of its industry peers.
Looking at the Return On Equity, with a value of 32.29%, BFF belongs to the top of the industry, outperforming 86.00% of the companies in the same industry.
Industry RankSector Rank
ROA 2.33%
ROE 32.29%
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

Looking at the Profit Margin, with a value of 40.75%, BFF is in the better half of the industry, outperforming 78.00% of the companies in the same industry.
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 RankSector Rank
OM N/A
PM (TTM) 40.75%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.8%
PM growth 5Y-0.91%
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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1

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
Compared to 5 years ago, BFF has more shares outstanding
The debt/assets ratio for BFF has been reduced compared to a year ago.
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

BFF has a Debt/Equity ratio of 0.70. This is a neutral value indicating BFF is somewhat dependend on debt financing.
The Debt to Equity ratio of BFF (0.70) is worse than 62.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.7
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.57%
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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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5

3. Growth

3.1 Past

BFF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.79%, which is quite good.
BFF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.16% yearly.
BFF shows a small growth in Revenue. In the last year, the Revenue has grown by 6.70%.
Measured over the past years, BFF shows a quite strong growth in Revenue. The Revenue has been growing by 19.36% on average per year.
EPS 1Y (TTM)8.79%
EPS 3Y2.37%
EPS 5Y17.16%
EPS Q2Q%-43.13%
Revenue 1Y (TTM)6.7%
Revenue growth 3Y16.78%
Revenue growth 5Y19.36%
Sales Q2Q%62.09%

3.2 Future

The Earnings Per Share is expected to grow by 8.79% on average over the next years. This is quite good.
The Revenue is expected to grow by 6.75% on average over the next years.
EPS Next Y1.49%
EPS Next 2Y5%
EPS Next 3Y8.93%
EPS Next 5Y8.79%
Revenue Next Year0.31%
Revenue Next 2Y4.82%
Revenue Next 3Y5.43%
Revenue Next 5Y6.75%

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.
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 200M 400M 600M
BFF.MI Yearly EPS VS EstimatesBFF.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.5 1 1.5

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 5.48, which indicates a rather cheap valuation of BFF.
Based on the Price/Earnings ratio, BFF is valued cheaper than 84.00% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.35, BFF is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.26, the valuation of BFF can be described as very cheap.
88.00% 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 (22.10), we can say BFF is valued rather cheaply.
Industry RankSector Rank
PE 5.48
Fwd PE 7.26
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.69
PEG (5Y)0.32
EPS Next 2Y5%
EPS Next 3Y8.93%

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7

5. Dividend

5.1 Amount

BFF has a Yearly Dividend Yield of 11.94%, which is a nice return.
Compared to an average industry Dividend Yield of 3.76, BFF pays a better dividend. On top of this BFF pays more dividend than 98.00% 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 2.33.
Industry RankSector Rank
Dividend Yield 11.94%

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.
DP0%
EPS Next 2Y5%
EPS Next 3Y8.93%
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 (3/7/2025, 7:00:00 PM)

8.225

+0.03 (+0.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-06 2025-02-06/amc
Earnings (Next)05-08 2025-05-08
Inst Owners49.84%
Inst Owner ChangeN/A
Ins Owners5.75%
Ins Owner ChangeN/A
Market Cap1.55B
Analysts81.54
Price Target10.63 (29.24%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 11.94%
Yearly Dividend0.86
Dividend Growth(5Y)8.85%
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)1
Avg Revenue beat(2)40.2%
Min Revenue beat(2)-6.3%
Max Revenue beat(2)86.7%
Revenue beat(4)2
Avg Revenue beat(4)31.03%
Min Revenue beat(4)-6.3%
Max Revenue beat(4)86.7%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
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)-1.44%
PT rev (3m)-5.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.94%
EPS NY rev (3m)-8.9%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-1.26%
Revenue NY rev (3m)-9.57%
Valuation
Industry RankSector Rank
PE 5.48
Fwd PE 7.26
P/S 2.23
P/FCF N/A
P/OCF N/A
P/B 1.77
P/tB 1.94
EV/EBITDA N/A
EPS(TTM)1.5
EY18.24%
EPS(NY)1.13
Fwd EY13.78%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.69
BVpS4.66
TBVpS4.24
PEG (NY)3.69
PEG (5Y)0.32
Profitability
Industry RankSector Rank
ROA 2.33%
ROE 32.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 40.75%
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-11.8%
PM growth 5Y-0.91%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.7
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
WACC6.57%
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)8.79%
EPS 3Y2.37%
EPS 5Y17.16%
EPS Q2Q%-43.13%
EPS Next Y1.49%
EPS Next 2Y5%
EPS Next 3Y8.93%
EPS Next 5Y8.79%
Revenue 1Y (TTM)6.7%
Revenue growth 3Y16.78%
Revenue growth 5Y19.36%
Sales Q2Q%62.09%
Revenue Next Year0.31%
Revenue Next 2Y4.82%
Revenue Next 3Y5.43%
Revenue Next 5Y6.75%
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