BFF Stock Overview
BFF Bank S.p.A. provides financial services to suppliers of the national health system and public administration sector in Italy, Croatia, the Czech Republic, France, Greece, Poland, Portugal, the Slovak Republic, and Spain.
BFF Bank Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||€6.68|
|52 Week High||€9.00|
|52 Week Low||€5.16|
|1 Month Change||-8.93%|
|3 Month Change||-0.075%|
|1 Year Change||-20.99%|
|3 Year Change||36.33%|
|5 Year Change||33.60%|
|Change since IPO||61.35%|
Recent News & Updates
Do BFF Bank's (BIT:BFF) Earnings Warrant Your Attention?
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...
|BFF||IT Diversified Financial||IT Market|
Return vs Industry: BFF underperformed the Italian Diversified Financial industry which returned -12% over the past year.
Return vs Market: BFF underperformed the Italian Market which returned -15.6% over the past year.
|BFF Average Weekly Movement||5.1%|
|Diversified Financial Industry Average Movement||4.5%|
|Market Average Movement||5.1%|
|10% most volatile stocks in IT Market||7.1%|
|10% least volatile stocks in IT Market||3.3%|
Stable Share Price: BFF is not significantly more volatile than the rest of Italian stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: BFF's weekly volatility (5%) has been stable over the past year.
About the Company
BFF Bank S.p.A. provides financial services to suppliers of the national health system and public administration sector in Italy, Croatia, the Czech Republic, France, Greece, Poland, Portugal, the Slovak Republic, and Spain. It operates through Factoring & Lending, Securities Services, and Payment Services segments. The Factoring & Lending segment offers non-recourse factoring, lending, and credit management services to public sector suppliers and public administration bodies.
BFF Bank Fundamentals Summary
|BFF fundamental statistics|
Is BFF overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BFF income statement (TTM)|
|Cost of Revenue||€40.38m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
Aug 04, 2022
|Earnings per share (EPS)||0.24|
|Net Profit Margin||12.61%|
How did BFF perform over the long term?See historical performance and comparison
20.3%Current Dividend Yield
Is BFF undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 2/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for BFF?
Other financial metrics that can be useful for relative valuation.
|What is BFF's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does BFF's PE Ratio compare to its peers?
|BFF PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
Price-To-Earnings vs Peers: BFF is expensive based on its Price-To-Earnings Ratio (27.8x) compared to the peer average (25.3x).
Price to Earnings Ratio vs Industry
How does BFF's PE Ratio compare vs other companies in the Diversified Financial Industry?
Price-To-Earnings vs Industry: BFF is expensive based on its Price-To-Earnings Ratio (27.8x) compared to the Italian Diversified Financial industry average (12.3x)
Price to Earnings Ratio vs Fair Ratio
What is BFF's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||27.8x|
|Fair PE Ratio||22.4x|
Price-To-Earnings vs Fair Ratio: BFF is expensive based on its Price-To-Earnings Ratio (27.8x) compared to the estimated Fair Price-To-Earnings Ratio (22.4x).
Share Price vs Fair Value
What is the Fair Price of BFF when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: BFF (€6.68) is trading below our estimate of fair value (€14.28)
Significantly Below Fair Value: BFF is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: BFF is poor value based on its PEG Ratio (1.3x)
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How is BFF Bank forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Future Growth Score5/6
Future Growth Score 5/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BFF's forecast earnings growth (21.4% per year) is above the savings rate (1.7%).
Earnings vs Market: BFF's earnings (21.4% per year) are forecast to grow faster than the Italian market (10.2% per year).
High Growth Earnings: BFF's earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: BFF's revenue (9.7% per year) is forecast to grow faster than the Italian market (0.3% per year).
High Growth Revenue: BFF's revenue (9.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BFF's Return on Equity is forecast to be high in 3 years time (31.9%)
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How has BFF Bank performed over the past 5 years?
Past Performance Score1/6
Past Performance Score 1/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BFF has a large one-off gain of €61.6M impacting its March 31 2022 financial results.
Growing Profit Margin: BFF's current net profit margins (12.6%) are lower than last year .
Past Earnings Growth Analysis
Earnings Trend: BFF's earnings have grown by 18% per year over the past 5 years.
Accelerating Growth: BFF's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BFF had negative earnings growth (-82.4%) over the past year, making it difficult to compare to the Diversified Financial industry average (40%).
Return on Equity
High ROE: BFF's Return on Equity (7.1%) is considered low.
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How is BFF Bank's financial position?
Financial Health Score5/6
Financial Health Score 5/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: BFF's short term assets (€11.8B) exceed its short term liabilities (€10.7B).
Long Term Liabilities: BFF's short term assets (€11.8B) exceed its long term liabilities (€809.6M).
Debt to Equity History and Analysis
Debt Level: BFF has more cash than its total debt.
Reducing Debt: BFF's debt to equity ratio has reduced from 251.2% to 17.4% over the past 5 years.
Debt Coverage: BFF's debt is well covered by operating cash flow (488.1%).
Interest Coverage: Insufficient data to determine if BFF's interest payments on its debt are well covered by EBIT.
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What is BFF Bank current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BFF's dividend (20.34%) is higher than the bottom 25% of dividend payers in the Italian market (1.71%).
High Dividend: BFF's dividend (20.34%) is in the top 25% of dividend payers in the Italian market (5.19%)
Stability and Growth of Payments
Stable Dividend: BFF has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: BFF's dividend payments have increased, but the company has only paid a dividend for 4 years.
Earnings Payout to Shareholders
Earnings Coverage: With its high payout ratio (653.7%), BFF's dividend payments are not well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: With its reasonable cash payout ratio (53.1%), BFF's dividend payments are covered by cash flows.
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How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Max Belingheri (47 yo)
Mr. Massimiliano Belingheri, also known as Max, serves as Chief Executive Officer at BFF Bank S.p.A. (formerly known as Banca Farmafactoring S.p.A.) Mr. Belingheri has been Vice-Chairman of Supervisory Boa...
Experienced Board: BFF's board of directors are considered experienced (3.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: BFF insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
BFF Bank S.p.A.'s employee growth, exchange listings and data sources
- Name: BFF Bank S.p.A.
- Ticker: BFF
- Exchange: BIT
- Founded: 1985
- Industry: Specialized Finance
- Sector: Diversified Financials
- Implied Market Cap: €1.233b
- Shares outstanding: 184.55m
- Website: https://www.bff.com
Number of Employees
- BFF Bank S.p.A.
- Via Domenichino 5
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/26 00:00|
|End of Day Share Price||2022/06/24 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.