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BFF Bank S.p.A. (BFF.MI)
Milan, MI, IT
BFF Bank S.p.A., founded in 1985 and based in Milan, Italy, offers specialized financial services with a primary focus on suppliers to the national healthcare system and public administration. Its operations extend across Italy, Croatia, the Czech Republic, France, Greece, Poland, Portugal, Slovakia, and Spain. The bank is organized into three core divisions. The Factoring & Lending segment provides non-recourse factoring, credit management, and various lending facilities for entities supplying the public sector and government bodies. The Securities Services division acts as a custodian bank for a variety of investment funds, delivering global custody, fund accounting, and transfer agent services to national fund managers, banks, and different fund types, including pension, mutual, and alternative investments. Lastly, the Payment Services division handles payment processing, corporate payment solutions, and the management of cheques and bills, serving a client base primarily comprising small to medium-sized Italian banks and larger corporations.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -3.05% | +17.85% | +16.71% | -28.73% | -77.44% | -74.51% | -72.98% | -71.91% | -68.38% | -41.64% | -41.64% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 1 | 0 |
| Hold | 4 | 0 |
| Sell | 1 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Credit Services: +13.2%-17.4% Q1'26: +6.7% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%-67.3% Q1'26: +36.8% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%-27.8% Q1'26: +0.0% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+13.6% Q1'26: +38.0% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+12.5% ★ Q1'26: +8.1% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%+0.5% Q1'26: +0.5% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×5.91× ★ Q1'26: 6.40× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 5 Rev. Ana. 3 EPS Ana. |
Dec 2027 5 Rev. Ana. 4 EPS Ana. |
Dec 2028 2 Rev. Ana. 1 EPS Ana. |
Dec 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
244.61M
est: 189.73M (+28.9%)
|
250.06M
est: 196.57M (+27.2%)
|
262.82M
est: 208.51M (+26.0%)
|
268.58M
est: 216.28M (+24.2%)
|
341.15M
est: 315.68M (+8.1%)
|
508.14M
est: 386.82M (+31.4%)
|
783.06M
est: 519.90M (+50.6%)
|
778.27M
est: 447.88M (+73.8%)
|
642.98M
est: 393.16M (+63.5%)
|
362.48M
347.55M – 381.56M
-7.8% YoY
|
371.88M
346.61M – 404.56M
+2.6% YoY
|
374.34M
372.79M – 375.88M
+0.7% YoY
|
386.20M
365.06M – 413.43M
+3.2% YoY
|
| EBITDA |
135.11M
est: 94.26M (+43.3%)
|
127.48M
est: 97.66M (+30.5%)
|
126.77M
est: 103.59M (+22.4%)
|
129.23M
est: 107.45M (+20.3%)
|
206.74M
est: 156.84M (+31.8%)
|
342.75M
est: 192.18M (+78.3%)
|
248.05M
est: 225.23M (+10.1%)
|
315.71M
est: 194.02M (+62.7%)
|
104.84M
est: 170.32M (-38.4%)
|
157.03M
150.56M – 165.29M
-7.8% YoY
|
161.10M
150.15M – 175.26M
+2.6% YoY
|
162.16M
161.50M – 162.83M
+0.7% YoY
|
167.30M
158.14M – 179.10M
+3.2% YoY
|
| EBIT |
131.97M
est: 90.19M (+46.3%)
|
124.26M
est: 93.44M (+33.0%)
|
121.71M
est: 99.12M (+22.8%)
|
123.71M
est: 102.81M (+20.3%)
|
196.66M
est: 150.07M (+31.0%)
|
331.20M
est: 183.88M (+80.1%)
|
235.00M
est: 213.37M (+10.1%)
|
301.86M
est: 183.81M (+64.2%)
|
87.33M
est: 161.36M (-45.9%)
|
148.76M
142.64M – 156.60M
-7.8% YoY
|
152.62M
142.25M – 166.03M
+2.6% YoY
|
153.63M
153.00M – 154.26M
+0.7% YoY
|
158.50M
149.82M – 169.67M
+3.2% YoY
|
| Net Income |
95.55M
est: 91.77M (+4.1%)
|
92.15M
est: 101.36M (-9.1%)
|
93.16M
est: 107.95M (-13.7%)
|
91.07M
est: 105.52M (-13.7%)
|
197.37M
est: 129.44M (+52.5%)
|
232.05M
est: 158.28M (+46.6%)
|
171.66M
est: 257.30M (-33.3%)
|
215.68M
est: 175.86M (+22.6%)
|
70.17M
est: 155.17M (-54.8%)
|
106.78M
88.24M – 157.96M
-31.2% YoY
|
118.85M
84.95M – 164.21M
+11.3% YoY
|
133.73M
122.95M – 144.50M
+12.5% YoY
|
143.69M
133.47M – 156.86M
+7.5% YoY
|
| SGA |
29.21M
est: 29.35M (-0.5%)
|
30.70M
est: 30.41M (+0.9%)
|
34.43M
est: 32.26M (+6.7%)
|
39.73M
est: 33.46M (+18.7%)
|
81.12M
est: 48.84M (+66.1%)
|
80.08M
est: 59.84M (+33.8%)
|
87.28M
est: 82.13M (+6.3%)
|
92.42M
est: 70.75M (+30.6%)
|
105.63M
est: 62.11M (+70.1%)
|
57.26M
54.90M – 60.28M
-7.8% YoY
|
58.75M
54.76M – 63.91M
+2.6% YoY
|
59.14M
58.89M – 59.38M
+0.7% YoY
|
61.01M
57.67M – 65.31M
+3.2% YoY
|
| EPS |
0.56
est: 0.49 (+14.7%)
|
0.54
est: 0.54 (+0.1%)
|
0.55
est: 0.57 (-4.3%)
|
0.53
est: 0.56 (-5.6%)
|
1.06
est: 0.69 (+53.9%)
|
1.26
est: 0.85 (+48.9%)
|
0.92
est: 1.38 (-33.3%)
|
1.15
est: 0.92 (+24.7%)
|
0.37
est: 0.82 (-54.9%)
|
0.65
0.47 – 0.84
-20.4% YoY
|
0.65
0.45 – 0.87
+0.3% YoY
|
0.70
0.65 – 0.77
+7.0% YoY
|
0.76
0.71 – 0.83
+8.6% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | B | 3/5 | 5/5 | 3/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-11 | B | 3/5 | 5/5 | 3/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-08 | B- | 3/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-07 | B- | 3/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-06 | B- | 3/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-05 | B- | 3/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-04 | B- | 3/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-30 | B | 3/5 | 5/5 | 3/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-29 | B | 3/5 | 5/5 | 3/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-28 | B | 3/5 | 5/5 | 3/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-27 | B | 3/5 | 5/5 | 3/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-24 | B | 3/5 | 5/5 | 3/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-23 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-22 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-21 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-20 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-17 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-16 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Schwab Fundamental International Small Company Index ETF FNDC | 0.04% | 1.20M | 0.39% |
| 2 | Avantis International Small Cap Equity ETF AVDS | 0.04% | 117.9K | 0.30% |
| 3 | Avantis International Small Cap Value ETF AVDV | 0.03% | 5.74M | 0.36% |
| 4 | Schwab International Small-Cap Equity ETF SCHC | 0.03% | 1.35M | 0.06% |
| 5 | iShares International Small-Cap Equity Factor ETF ISCF | 0.01% | 95.9K | 0.24% |
| 6 | Avantis Responsible International Equity ETF AVSD | 0.01% | 60.4K | 0.23% |
| 7 | Vanguard FTSE All-World ex-US Small-Cap ETF VSS | 0.01% | 1.52M | 0.06% |
| 8 | Avantis Global Small Cap Value UCITS ETF AVGS.L | 0.01% | 111.0K | 0.39% |
| 9 | Vanguard FTSE Europe Shares ETF VEQ.AX | 0.00% | 16.8K | 0.35% |
| 10 | Vanguard FTSE Europe ETF VGK | 0.00% | 1.44M | 0.06% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Alessia Barrera | Director of Communications & Institutional Relations | — | female |
| Caterina Della Mora | Director of Group Investor Relations, Strategy and M&A | — | female |
| Daniele di Febo | Head of Compliance & AML | — | male |
| Domenico Gammaldi | Executive Director | — | male |
| Gianluca Poletti | Head of Internal Audit & Member of Supervisory Body | — | — |
| Giuseppe Sica | GM, CEO, CFO & VP of Finance and Administration Department | — | male |
| Marilena Ferri | Director of Group Human Resources & Organisational Development | — | female |
| Mario Gustato | Director of Group General Counsel & Business Legal Affairs | — | male |
| Massimo Pavan | Vice President of Technology & Processes Improvement Department | — | male |
| Piergiorgio Bicci | Head of Countries | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for BFF.MI
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
