BFF Bank (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
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 2/6 |
| Past Performance | 0/6 |
| Financial Health | 2/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
BFF Community Fair Values
Create NarrativeSee what 38 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
BFF Bank S.p.A. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | €3.01 |
| 52 Week High | €11.60 |
| 52 Week Low | €1.23 |
| Beta | 1.16 |
| 1 Month Change | -6.11% |
| 3 Month Change | -0.72% |
| 1 Year Change | -73.11% |
| 3 Year Change | -67.95% |
| 5 Year Change | -62.11% |
| Change since IPO | -27.20% |
Recent News & Updates
Analysis Article • Aug 09
Revenue Miss: BFF Bank S.p.A. Fell 9.4% Short Of Analyst Revenue Estimates And Analysts Have Been Revising Their Models
It's been a pretty great week for BFF Bank S.p.A. ( BIT:BFF ) shareholders, with its shares surging 12% to €3.28 in the...
Narrative Update • Aug 06
BFF: Future Returns Will Depend On Lower Discount Rate Risks
Analysts have lifted their price target for BFF Bank to €2.30 from €2.00, citing updated assumptions on fair value, discount rate, revenue growth, profit margins, and future P/E as key drivers of the change. What’s in the News for BFF Bank No recent news stories for BFF Bank were identified in the provided sources as of 6 Aug 2026.Recent updates
Analysis Article • Aug 09
Revenue Miss: BFF Bank S.p.A. Fell 9.4% Short Of Analyst Revenue Estimates And Analysts Have Been Revising Their Models
It's been a pretty great week for BFF Bank S.p.A. ( BIT:BFF ) shareholders, with its shares surging 12% to €3.28 in the...Narrative Update • Aug 06
BFF: Future Returns Will Depend On Lower Discount Rate Risks
Analysts have lifted their price target for BFF Bank to €2.30 from €2.00, citing updated assumptions on fair value, discount rate, revenue growth, profit margins, and future P/E as key drivers of the change. What’s in the News for BFF Bank No recent news stories for BFF Bank were identified in the provided sources as of 6 Aug 2026.
Narrative Update • Jul 16
BFF: Lower Required Returns Will Support A Stronger Future Share Price
Analysts have adjusted their price target for BFF Bank to about €6.00, citing updated fair value estimates, a revised discount rate, and refreshed assumptions for revenue growth, profit margins, and future price-to-earnings (P/E) levels. What’s in the News for BFF Bank No recent company specific news items for BFF Bank are available from the provided sources as of 9 Jul 2026.
Narrative Update • Jul 01
BFF: Higher Discount Rate And Weaker Margins Will Shape Future Market Value
The latest Narrative Update on BFF Bank reflects a reduced analyst price target, with fair value moving from €11.85 to €3.41 as analysts reassess assumptions around the discount rate, revenue growth, profit margin, and future P/E expectations. What's in the News for BFF Bank No recent company specific news for BFF Bank was identified in the provided sources.Narrative Update • Jun 17
BFF: Future Returns Will Depend On Compressed Margins And Lower Fair Value
Analysts have raised their price target for BFF Bank shares to €5.00 from €2.00, citing updated assumptions for fair value, discount rate, revenue growth, profit margin, and future P/E as the key drivers of the change. What's in the News No recent BFF Bank specific news items were identified from the provided sources.Narrative Update • Jun 03
BFF: Higher Required Returns Will Still Support A Stronger Share Price
The analyst price target for BFF Bank has changed from €14.23 to €11.85 as analysts incorporate updated assumptions for discount rates, revenue growth, profit margins and future P/E levels. What's in the News No major company specific news items for BFF Bank have been reported in the provided sources recently.Analysis Article • Feb 12
Analysts Just Made A Major Revision To Their BFF Bank S.p.A. (BIT:BFF) Revenue Forecasts
The latest analyst coverage could presage a bad day for BFF Bank S.p.A. ( BIT:BFF ), with the analysts making...Narrative Update • Feb 10
BFF: Future Returns Will Rely On P/E Reset And Margin Resilience
Analysts have cut their price target for BFF Bank from €10.30 to €5.00, citing updated assumptions around fair value, discount rate, revenue growth, profit margin and future P/E as the key drivers of the revised view. Valuation Changes Fair Value: cut from €10.30 to €5.00, representing roughly a 50% reduction in the estimated value per share.Narrative Update • Jan 26
BFF: Future Upside Will Depend On Revenue Momentum And Margin Resilience
Analysts have trimmed their price target on BFF Bank from €10.40 to €10.30, pointing to slightly higher discount rate assumptions, more cautious revenue growth expectations, and a modestly higher future P/E multiple in their updated models. Valuation Changes Fair Value: Trimmed slightly from €10.40 to €10.30 per share.Narrative Update • Jan 12
BFF: Fair Outlook Will Hinge On Revenue Strength And Margin Resilience
Analysts have lifted their price target on BFF Bank by roughly 35% to reflect updated assumptions on fair value, revenue growth and future P/E, while making modest adjustments to the discount rate and profit margin expectations. Valuation Changes Fair Value: revised higher from €7.70 to €10.40 per share, indicating a stronger assessment of intrinsic value.Narrative Update • Dec 15
BFF: Stronger Margins And Revenue Mix Will Support Higher Share Price
Analysts have raised their price target for BFF Bank from approximately €13.00 to about €14.23. This reflects increased confidence in the bank's stronger projected revenue growth and improved profit margins, along with a slight adjustment to the discount rate and future P E expectations.Narrative Update • Dec 01
BFF: Lower Discount Rate And Firmer Margins Will Sustain Current Market Value
Analysts have raised their price target for BFF Bank from $11.44 to $11.85. They cite improvements in discount rate and projected profit margin as key factors supporting the updated valuation.Analysis Article • Oct 26
BFF Bank S.p.A. (BIT:BFF) Screens Well But There Might Be A Catch
It's not a stretch to say that BFF Bank S.p.A.'s ( BIT:BFF ) price-to-earnings (or "P/E") ratio of 15.7x right now...Narrative Update • Aug 07
European Expansion And Digital Upgrades Will Unlock Future Potential
The upward revision in BFF Bank’s consensus price target is primarily driven by stronger revenue growth forecasts, with fair value rising from €10.59 to €11.34 per share. Valuation Changes Summary of Valuation Changes for BFF Bank The Consensus Analyst Price Target has risen from €10.59 to €11.34.
New Narrative • Mar 10
Italian Factoring Recovery And Greek Deposits Will Strengthen Future Liquidity
Recovery in factoring and strategic expansion in Greece are enhancing BFF Bank's revenue growth and liquidity position.Analysis Article • Feb 16
Some BFF Bank S.p.A. (BIT:BFF) Analysts Just Made A Major Cut To Next Year's Estimates
The analysts covering BFF Bank S.p.A. ( BIT:BFF ) delivered a dose of negativity to shareholders today, by making a...Analysis Article • Sep 30
BFF Bank S.p.A.'s (BIT:BFF) Business And Shares Still Trailing The Market
When close to half the companies in Italy have price-to-earnings ratios (or "P/E's") above 15x, you may consider BFF...Analysis Article • May 31
Investors Give BFF Bank S.p.A. (BIT:BFF) Shares A 26% Hiding
BFF Bank S.p.A. ( BIT:BFF ) shareholders won't be pleased to see that the share price has had a very rough month...Analysis Article • Apr 16
BFF Bank S.p.A. (BIT:BFF) Not Lagging Market On Growth Or Pricing
With a median price-to-earnings (or "P/E") ratio of close to 14x in Italy, you could be forgiven for feeling...Analysis Article • Sep 01
If EPS Growth Is Important To You, BFF Bank (BIT:BFF) Presents An Opportunity
Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...Analysis Article • May 23
Here's Why We Think BFF Bank (BIT:BFF) Might Deserve Your Attention Today
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Analysis Article • Apr 05
BFF Bank's (BIT:BFF) Shareholders Will Receive A Smaller Dividend Than Last Year
BFF Bank S.p.A. ( BIT:BFF ) is reducing its dividend from last year's comparable payment to €0.419 on the 26th of...Analysis Article • Mar 12
BFF Bank (BIT:BFF) Will Pay A Smaller Dividend Than Last Year
BFF Bank S.p.A. ( BIT:BFF ) is reducing its dividend from last year's comparable payment to €0.419 on the 26th of...Shareholder Returns
| BFF | IT Diversified Financial | IT Market | |
|---|---|---|---|
| 7D | 1.3% | -0.9% | -1.0% |
| 1Y | -73.1% | 18.6% | 16.1% |
Return vs Industry: BFF underperformed the Italian Diversified Financial industry which returned 19.5% over the past year.
Return vs Market: BFF underperformed the Italian Market which returned 18.2% over the past year.
Price Volatility
| BFF volatility | |
|---|---|
| BFF Average Weekly Movement | 5.6% |
| Diversified Financial Industry Average Movement | 5.0% |
| Market Average Movement | 4.1% |
| 10% most volatile stocks in IT Market | 7.4% |
| 10% least volatile stocks in IT Market | 2.6% |
Stable Share Price: BFF's share price has been volatile over the past 3 months compared to the Italian market.
Volatility Over Time: BFF's weekly volatility has decreased from 13% to 6% over the past year, but is still higher than 75% of Italian stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1985 | 873 | Giuseppe Sica | www.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. The company offers factoring and lending securities services, payment services, and online deposit account services. It also undertakes custodian banking for investment funds and related services, such as global custody, fund accounting, transfer agent services for national managers, pension, mutual, and alternative funds.
BFF Bank S.p.A. Fundamentals Summary
| BFF fundamental statistics | |
|---|---|
| Market cap | €569.34m |
| Earnings (TTM) | €17.97m |
| Revenue (TTM) | €363.55m |
31.7x
P/E Ratio1.6x
P/S RatioIs BFF overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| BFF income statement (TTM) | |
|---|---|
| Revenue | €363.55m |
| Cost of Revenue | €35.69m |
| Gross Profit | €327.86m |
| Other Expenses | €309.89m |
| Earnings | €17.97m |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.095 |
| Gross Margin | 90.18% |
| Net Profit Margin | 4.94% |
| Debt/Equity Ratio | 346.1% |
How did BFF perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/14 08:05 |
| End of Day Share Price | 2026/09/14 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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.
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 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 Github.
Analyst Sources
BFF Bank S.p.A. is covered by 12 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Gabriele Venturi | Banca Akros S.p.A. (ESN) |
| Irene Rossetto | Banca Akros S.p.A. (ESN) |
| Antonio Reale | BofA Global Research |