BFF Bank Past Earnings Performance

Past criteria checks 3/6

BFF Bank has been growing earnings at an average annual rate of 16.1%, while the Diversified Financial industry saw earnings growing at 11.1% annually. Revenues have been growing at an average rate of 20.1% per year. BFF Bank's return on equity is 29.4%, and it has net margins of 50.3%.

Key information

16.1%

Earnings growth rate

14.2%

EPS growth rate

Diversified Financial Industry Growth	6.1%
Revenue growth rate	20.1%
Return on equity	29.4%
Net Margin	50.3%
Last Earnings Update	30 Sep 2024

Recent past performance updates

No updates

Recent updates

No updates

Revenue & Expenses Breakdown

How BFF Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:BFFB.F Revenue, expenses and earnings (EUR Millions)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	491	247	25
30 Jun 24	520	257	154
31 Mar 24	410	163	158
31 Dec 23	425	172	156
30 Sep 23	424	254	153
30 Jun 23	423	252	151
31 Mar 23	427	249	149
31 Dec 22	411	232	149
30 Sep 22	382	50	143
30 Jun 22	374	44	153
31 Mar 22	352	44	158
31 Dec 21	313	197	149
30 Sep 21	284	275	137
30 Jun 21	239	264	113
31 Mar 21	218	252	89
31 Dec 20	208	91	79
30 Sep 20	211	89	89
30 Jun 20	214	93	86
31 Mar 20	208	95	80
31 Dec 19	206	93	80
30 Sep 19	202	94	71
30 Jun 19	194	89	70
31 Mar 19	200	94	66
31 Dec 18	198	92	68
30 Sep 18	183	85	57
30 Jun 18	214	86	55
31 Mar 18	173	81	51
31 Dec 17	201	96	54
30 Sep 17	179	99	46
30 Jun 17	173	94	53
31 Mar 17	198	91	55
31 Dec 16	164	72	49
30 Jun 16	153	70	42
31 Mar 16	145	71	34
31 Dec 15	140	69	37
31 Dec 14	218	124	33
31 Dec 13	111	49	28

Quality Earnings: BFFB.F has high quality earnings.

Growing Profit Margin: BFFB.F's current net profit margins (50.3%) are lower than last year (59.9%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BFFB.F's earnings have grown by 16.1% per year over the past 5 years.

Accelerating Growth: BFFB.F's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: BFFB.F had negative earnings growth (-3%) over the past year, making it difficult to compare to the Diversified Financial industry average (14.6%).

Return on Equity

High ROE: BFFB.F's Return on Equity (29.4%) is considered high.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/26 16:04
End of Day Share Price	2024/12/23 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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

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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.

Analyst	Institution
Luigi Tramontana	Banca Akros S.p.A. (ESN)
Michele Baldelli	BNP Paribas Exane
Antonio Reale	BofA Global Research