BFF Bank SpA stock analysis
BFF Bank SpA (0RON) Share Price & Analysis
0RON Stock Chart & Stats
- Day’s Range
- EUR 1.33 - EUR 1.55
- 52-Week Range
- EUR 1.22 - EUR 11.27
- Previous Close
- EUR 1.69
- Volume
- N/A
- Average Volume (3M)
- 28.02K
- Market Cap
- EUR 290.29M
- Enterprise Value
- EUR 2.08B
- Total Cash (Recent Filing)
- EUR 0
- Total Debt (Recent Filing)
- EUR 613.20M
- Price to Earnings (P/E)
- 4.7
- Beta
- 0.03
- Next Earnings
- Feb 11, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Improved Leverage
Lower leverage and a larger equity base provide BFF with a more resilient financial structure than in prior high-leverage periods. This can improve capacity to absorb credit losses, support receivables financing, and preserve flexibility as market or funding conditions change.
Rebounded Cash Generation
The strong 2025 rebound in operating and free cash flow, together with FCF broadly matching net income, indicates better earnings-to-cash conversion in the latest period. Sustained conversion would strengthen internal funding capacity and support balance-sheet management.
Specialized Receivables Platform
A focused receivables-finance model gives BFF a clear operating specialization and multiple ways to earn from financing, servicing, collection, and credit management. Its banking platform and presence across selected European markets provide scope to serve institutional and corporate counterparties.
Bears Say
Revenue Contraction
The latest revenue decline signals weaker business momentum and reduces confidence that BFF can sustain the scale of its prior earnings base. If lower volumes or less favorable pricing persist, they could constrain operating leverage and make future profit recovery more difficult.
Sharp Profitability Deterioration
The pronounced fall in net income and operating margins shows that profitability has weakened materially, not merely slowed. Lower returns on the asset and equity base reduce retained earnings capacity and make the business more sensitive to credit costs, funding expense, and spread pressure.
Volatile Cash Coverage
Although cash generation improved in 2025, the history of negative cash flow and persistently thin coverage metrics indicates that cash conversion can be uneven. This volatility may complicate funding, capital planning, and the ability to rely consistently on internally generated cash.
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Company Description
BFF Bank SpA
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.
- Sector
- General
- Industry
- Financial - Credit Services
- CEO
- Giuseppe Sica
- Employees
- 873
- Website
- www.bff.com
- Address
- Viale Lodovico Scarampo, 15, Milan, MI, 20148, IT
BFF Bank SpA (0RON) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 4 | 4 | 14 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 0 | 0 | 12 |
