1. Italy Stocks

  2. •

    Financial Services

  3. •

    Financial - Credit Services
BFF Bank S.p.A.

BFF Bank S.p.A.

BFF.MI
BFF Bank S.p.A.IT flagItalian Stock Exchange
2.62
EUR
+0.02
- -
494.54MMarket Cap
BFF Bank S.p.A.
BFF.MI
(Italian Stock Exchange)

Recent

price

2.62

P/E

ratio

- -

div

yld

- -

ROIC.AI

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.7
1.32
0.86
1.03
1.2
1.22
1.26
1.3
1.63
2.25
2.36
2.13
2.01
2.1
Revenue per Share
0.29
0.73
0.4
0.42
0.56
0.54
0.55
0.53
1.07
1.26
0.92
1.17
0.2
0.27
Basic EPS, GAAP
0.31
0.27
0.29
1.02
0.9
0.67
0.42
0.67
2.55
0.67
-1.17
-0.01
-0.16
- -
Free Cash Flow per Basic Share
0.31
0.27
0.28
0.4
0.42
0.56
0.54
- -
0.91
1.05
0.86
0.54
- -
- -
Dividend per Share
1.23
1.68
1.17
1.19
1.92
1.96
1.98
2.51
2.52
2.69
2.7
3.14
3.2
1.03
Book Value per Share
1.36
1.81
1.93
1.81
1.99
2
2.01
2.5
2.72
3.73
3.69
4.18
4.36
4.61
Tangible Book Value per Share
170
170
170
170
170
170
171
171
185
185
186
187
188
189
Basic Weighted Avg Shares
119
225
146
175
205
207
214
222
302
415
438
399
378
396
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2
2
2
3
3
3
5
6
10
12
13
14
18
18
Depreciation Expense
49
124
69
72
96
92
93
91
197
232
172
219
37
51
Net Income, GAAP
42.14
33.16
28.58
27.23
27.6
25.84
23.46
26.38
- -
29.94
26.95
28.59
12.25
20.71
Effective Tax Rate (%)
41.24
55.25
47.09
41.27
46.68
44.48
43.46
41.08
65.44
55.89
39.21
54.92
9.77
12.91
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
992
1,249
1,202
1,553
1,690
2,262
2,451
1,009
380
243
242
750
788
599
LT Debt
233
311
331
334
364
366
377
463
572
759
759
859
888
935
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
50.27
28.37
35.82
36.12
27.93
27.75
23.76
44.03
48.16
34.45
40.3
6.2
31.54
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
189
189
189
Market Capitalization
2,053
1,786
272

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
869
419
933
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.9%
14.59%
3.37%
Free Cash Flow
111.11%
174.03%
1,004.8%
Net Income, GAAP
8.55%
10.58%
-83.15%
Sales/Revenue/Turnover
10.99%
13.01%
-5.32%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
99
93
230
-27
399
2025
95
105
102
77
378
2026
112
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.21
- -
- -
- -
1.17
2025
0.19
- -
- -
- -
0.2
2026
0.26
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.54
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Similar Companies
Zip Co Limited (ZIZTF)
PT BFI Finance Indonesia Tbk (BFIN.JK)
Superstar Platforms, Inc. (SPST)
Krungthai Card Public Company Limited (KRTA.F)
Sunbelt Rentals Holdings Inc (SUNB)
Regional Management Corp. (RM)
Business
BFF Bank S.p.A. (BFF.MI) is an independent specialty finance company and a leading European player in non-recourse factoring and credit management of trade receivables primarily from public administrations and national healthcare systems; it provides custodian banking, fund accounting, and transfer agent services for investment funds including pension, mutual, and alternative funds; and offers payment processing, corporate payments, cheques, bills handling, and online deposit accounts to medium-small banks and medium-large corporates. The company operates through three main segments—Factoring & Lending, Securities Services, and Payments—serving public sector suppliers, public administration bodies, private hospitals, investment managers, banks, and corporates across Italy, Croatia, Czech Republic, France, Greece, Poland, Portugal, Slovakia, and Spain. Founded in 1985 and headquartered in Milan, Italy, BFF Bank S.p.A. is listed on the Italian Stock Exchange and focuses on B2B specialty finance for welfare systems and public entities. In recent developments, BFF Banking Group reports record loan book and volumes for the first nine months of 2025, with third-quarter profits up 33% year-over-year, alongside first-half 2025 results showing record high volumes and Factoring & Lending pre-tax profit growth of 21% year-over-year.[press-releases:2025] The company launches term deposits in Greece following regulatory authorization, renews its ICT contract with Nexi until 2032 granting strategic flexibility on IT infrastructure ownership, and advances in the bidding process with Generali and BPCE to acquire GamaLife from Apax Partners, targeting completion by early 2026.[press-releases:06/25/2025] Additional changes include the appointment of Giuseppe Sica as CFO in February 2025, shareholder approval of 2024 financial statements, remuneration policy, and new incentive plans in April 2025, and a social unsecured senior preferred bond placement of €300 million under its EMTN Programme in 2024.[press-releases:02/17/2025][press-releases:04/17/2025][press-releases:10/22/2024] DBRS and Moody's affirm ratings in June 2025, with DBRS at BB (high) for long-term issuer and BBB (low) for deposits, both Stable Outlook.[press-releases:06/18/2025][press-releases:05/27/2025]