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MTAA
BFF
Market cap1.41bUSD
Apr 04, Last price
6.84EUR
1D
-8.06%
1Q
-23.75%
IPO
57.24%
Name
BFF Bank SpA
Chart & Performance
P/E
5.96
P/S
2.44
EPS
1.15
Div Yield, %
7.91%
Shrs. gr., 5y
1.09%
Rev. gr., 5y
19.29%
Revenues
527m
+24.24%
Net income
216m
+25.64%
CFO
-185m
L
Dividend
Apr 22, 20240.541 EUR/sh
Earnings
May 07, 2025
Profile
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. The Securities Services segment undertakes custodian banking for investment funds and related services, such as global custody, fund accounting, and transfer agent services for national managers and banks, as well as various investment funds, including pension, mutual, and alternative funds. The Payments Services segment undertakes payment processing, corporate payments, and cheques and bills, as well as operates customers medium-small Italian banks and medium-large companies. The company was founded in 1985 and is headquartered in Milan, Italy.
Valuation
Title EUR in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|---|---|---|
| 2024‑12 | 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | 2015‑12 | |
| Income | ||||||||||
Revenues | 527,436 24.24% | 424,518 2.26% | 415,149 37.65% | |||||||
Cost of revenue | 110,183 | (236,861) | 80,082 | |||||||
Unusual Expense (Income) | ||||||||||
NOPBT | 417,253 | 661,379 | 335,067 | |||||||
NOPBT Margin | 79.11% | 155.80% | 80.71% | |||||||
Operating Taxes | 86,178 | 63,337 | 99,154 | |||||||
Tax Rate | 20.65% | 9.58% | 29.59% | |||||||
NOPAT | 331,075 | 598,042 | 235,913 | |||||||
Net income | 215,680 25.64% | 171,662 -26.02% | 232,048 17.57% | |||||||
Dividends | (159,418) | (193,830) | ||||||||
Dividend yield | 8.21% | 13.32% | ||||||||
Proceeds from repurchase of equity | (2,794) | |||||||||
BB yield | 0.14% | |||||||||
| Debt | ||||||||||
Debt current | 5,162,465 | |||||||||
Long-term debt | 30,472 | 255,948 | ||||||||
Deferred revenue | 28,612 | |||||||||
Other long-term liabilities | 11,518,218 | (365,229) | ||||||||
Net debt | (1,091,094) | (5,500,622) | (1,767,464) | |||||||
| Cash flow | ||||||||||
Cash from operating activities | (184,875) | 157,560 | ||||||||
CAPEX | (19,051) | (33,146) | ||||||||
Cash from investing activities | (31,666) | (33,318) | ||||||||
Cash from financing activities | (162,213) | (43,830) | ||||||||
FCF | 553,114 | 5,764,137 | (3,399,450) | |||||||
| Balance | ||||||||||
Cash | 756,340 | 257,208 | 824,355 | |||||||
Long term investments | 334,754 | 5,273,885 | 6,361,522 | |||||||
Excess cash | 1,064,722 | 5,509,868 | 7,165,120 | |||||||
Stockholders' equity | 360,686 | 602,949 | 546,374 | |||||||
Invested Capital | 11,790,735 | 11,689,317 | 17,800,344 | |||||||
ROIC | 2.82% | 4.06% | 1.57% | |||||||
ROCE | 3.43% | 5.38% | 1.82% | |||||||
| EV | ||||||||||
Common stock shares outstanding | 187,900 | 188,195 | 196,423 | |||||||
Price | 9.20 -10.85% | 10.32 39.27% | 7.41 4.51% | |||||||
Market cap | 1,728,682 -10.99% | 1,942,176 33.44% | 1,455,493 5.01% | |||||||
EV | 637,588 | (3,558,446) | (311,972) | |||||||
EBITDA | 417,253 | 674,434 | 346,613 | |||||||
EV/EBITDA | 1.53 | |||||||||
Interest | 384,178 | 345,255 | 92,989 | |||||||
Interest/NOPBT | 92.07% | 52.20% | 27.75% | |||||||