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BFF Bank BIT:BFF Stock Report

Last Price

€8.83

Market Cap

€1.7b

7D

-1.3%

1Y

-14.3%

Updated

20 Dec, 2024

Data

Company Financials +

BFF Bank S.p.A.

BIT:BFF Stock Report

Market Cap: €1.7b

BFF Stock Overview

Engages in non-recourse factoring and credit management activities towards public administration bodies and private hospitals in Italy, Croatia, the Czech Republic, France, Greece, Poland, Portugal, Slovakia, and Spain. More details

BFF fundamental analysis
Snowflake Score
Valuation6/6
Future Growth3/6
Past Performance3/6
Financial Health5/6
Dividends3/6

Rewards

Trading at 43.9% below our estimate of its fair value

Earnings are forecast to grow 3.67% per year

Trading at good value compared to peers and industry

Analysts in good agreement that stock price will rise by 24.4%

Risk Analysis

Dividend of 12.26% is not well covered by free cash flows


My Notes

Capture your thoughts, links and company narrative

BFF Bank S.p.A. Competitors

Banca IFIS

BIT:IF

€1.1b

illimity Bank

BIT:ILTY

€260.0m

Generalfinance

BIT:GF

€156.0m

Moltiply Group

BIT:MOL

€1.4b

Price History & Performance

Summary of share price highs, lows and changes for BFF Bank
Historical stock prices
Current Share Price€8.83
52 Week High€12.96
52 Week Low€6.98
Beta0.81
1 Month Change-0.84%
3 Month Change-7.88%
1 Year Change-14.32%
3 Year Change27.25%
5 Year Change67.46%
Change since IPO113.16%

Recent News & Updates

BFF Bank S.p.A.'s (BIT:BFF) Business And Shares Still Trailing The Market

Sep 30
BFF Bank S.p.A.'s (BIT:BFF) Business And Shares Still Trailing The Market

Recent updates

BFF Bank S.p.A.'s (BIT:BFF) Business And Shares Still Trailing The Market

Sep 30
BFF Bank S.p.A.'s (BIT:BFF) Business And Shares Still Trailing The Market

Investors Give BFF Bank S.p.A. (BIT:BFF) Shares A 26% Hiding

May 31
Investors Give BFF Bank S.p.A. (BIT:BFF) Shares A 26% Hiding

BFF Bank S.p.A. (BIT:BFF) Not Lagging Market On Growth Or Pricing

Apr 16
BFF Bank S.p.A. (BIT:BFF) Not Lagging Market On Growth Or Pricing

If EPS Growth Is Important To You, BFF Bank (BIT:BFF) Presents An Opportunity

Sep 01
If EPS Growth Is Important To You, BFF Bank (BIT:BFF) Presents An Opportunity

Here's Why We Think BFF Bank (BIT:BFF) Might Deserve Your Attention Today

May 23
Here's Why We Think BFF Bank (BIT:BFF) Might Deserve Your Attention Today

BFF Bank's (BIT:BFF) Shareholders Will Receive A Smaller Dividend Than Last Year

Apr 05
BFF Bank's (BIT:BFF) Shareholders Will Receive A Smaller Dividend Than Last Year

BFF Bank (BIT:BFF) Will Pay A Smaller Dividend Than Last Year

Mar 12
BFF Bank (BIT:BFF) Will Pay A Smaller Dividend Than Last Year

Do BFF Bank's (BIT:BFF) Earnings Warrant Your Attention?

Apr 05
Do BFF Bank's (BIT:BFF) Earnings Warrant Your Attention?

New Forecasts: Here's What Analysts Think The Future Holds For BFF Bank S.p.A. (BIT:BFF)

Feb 01
New Forecasts: Here's What Analysts Think The Future Holds For BFF Bank S.p.A. (BIT:BFF)

With EPS Growth And More, BFF Bank (BIT:BFF) Is Interesting

Nov 29
With EPS Growth And More, BFF Bank (BIT:BFF) Is Interesting

Banca Farmafactoring (BIT:BFF) Shareholders Have Enjoyed A 34% Share Price Gain

Mar 11
Banca Farmafactoring (BIT:BFF) Shareholders Have Enjoyed A 34% Share Price Gain

Analysts Have Made A Financial Statement On Banca Farmafactoring S.p.A.'s (BIT:BFF) Yearly Report

Feb 13
Analysts Have Made A Financial Statement On Banca Farmafactoring S.p.A.'s (BIT:BFF) Yearly Report

Should Income Investors Look At Banca Farmafactoring S.p.A. (BIT:BFF) Before Its Ex-Dividend?

Jan 27
Should Income Investors Look At Banca Farmafactoring S.p.A. (BIT:BFF) Before Its Ex-Dividend?

What Kind Of Shareholders Hold The Majority In Banca Farmafactoring S.p.A.'s (BIT:BFF) Shares?

Jan 03
What Kind Of Shareholders Hold The Majority In Banca Farmafactoring S.p.A.'s (BIT:BFF) Shares?

A Look At Banca Farmafactoring's (BIT:BFF) Share Price Returns

Dec 07
A Look At Banca Farmafactoring's (BIT:BFF) Share Price Returns

Shareholder Returns

BFFIT Diversified FinancialIT Market
7D-1.3%-4.4%-2.8%
1Y-14.3%-3.4%8.5%

Return vs Industry: BFF underperformed the Italian Diversified Financial industry which returned -2.4% over the past year.

Return vs Market: BFF underperformed the Italian Market which returned 8.9% over the past year.

Price Volatility

Is BFF's price volatile compared to industry and market?
BFF volatility
BFF Average Weekly Movement4.3%
Diversified Financial Industry Average Movement4.1%
Market Average Movement4.3%
10% most volatile stocks in IT Market7.8%
10% least volatile stocks in IT Market2.5%

Stable Share Price: BFF has not had significant price volatility in the past 3 months compared to the Italian market.

Volatility Over Time: BFF's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1985849Max Belingheriwww.bff.com

BFF Bank S.p.A. engages in non-recourse factoring and credit management activities towards public administration bodies and private hospitals in Italy, Croatia, the Czech Republic, France, Greece, Poland, Portugal, Slovakia, and Spain. It operates through three segments: Factoring & Lending, Securities Services, and Payment Services. The Factoring & Lending segment offers non-recourse factoring, lending, and credit management services to public sector suppliers and public administration bodies.

BFF Bank S.p.A. Fundamentals Summary

How do BFF Bank's earnings and revenue compare to its market cap?
BFF fundamental statistics
Market cap€1.66b
Earnings (TTM)€246.54m
Revenue (TTM)€490.54m

6.7x

P/E Ratio

3.4x

P/S Ratio

Is BFF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BFF income statement (TTM)
Revenue€490.54m
Cost of Revenue€155.97m
Gross Profit€334.57m
Other Expenses€88.03m
Earnings€246.54m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)1.31
Gross Margin68.20%
Net Profit Margin50.26%
Debt/Equity Ratio36.6%

How did BFF perform over the long term?

See historical performance and comparison

Dividends

12.3%

Current Dividend Yield

41%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/20 03:37
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

BFF Bank S.p.A. is covered by 13 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Luigi TramontanaBanca Akros S.p.A. (ESN)
Michele BaldelliBNP Paribas Exane
Antonio RealeBofA Global Research