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BFF Bank SpA (IT:BFF)
:BFF
Italy Market
BFF
BFF Bank SpA
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BFF Bank SpA (BFF) Ratios

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BFF Bank SpA Ratios

IT:BFF's free cash flow for Q2 2026 was €0.52. For the 2026 fiscal year, IT:BFF's free cash flow was decreased by € and operating cash flow was €0.03. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.02 0.10 0.04 0.08 0.14
Quick Ratio
 0.02 0.10 0.04 0.08 0.14
Cash Ratio
 0.02 0.10 0.04 0.07 0.14
Solvency Ratio
 <0.01 <0.01 0.02 0.02 0.02
Operating Cash Flow Ratio
 0.00 0.02 <0.01 -0.02 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
€ -10.78B€ -10.32B€ -10.95B€ -10.92B€ -11.66B
Leverage Ratios
Debt-to-Assets Ratio
 0.36 0.05 0.06 0.02 0.02
Debt-to-Equity Ratio
 4.55 0.67 0.86 0.32 0.32
Debt-to-Capital Ratio
 0.82 0.40 0.46 0.24 0.24
Long-Term Debt-to-Capital Ratio
 0.52 0.40 0.46 0.24 0.24
Financial Leverage Ratio
 12.58 13.30 13.86 16.20 17.58
Debt Service Coverage Ratio
 0.02 0.33 0.60 0.54 2.62
Interest Coverage Ratio
 0.28 0.33 0.79 0.68 3.56
Debt to Market Cap
 7.52 0.35 0.43 0.13 0.18
Interest Debt Per Share
 23.88 4.69 6.04 3.15 1.82
Net Debt to EBITDA
 47.86 -3.43 1.41 -1.42 -1.95
Profitability Margins
Gross Profit Margin
59.88%58.57%50.64%55.91%81.70%
EBIT Margin
10.93%13.58%38.79%30.01%65.18%
EBITDA Margin
14.23%16.31%40.57%31.68%67.45%
Operating Profit Margin
10.93%13.58%38.79%30.01%65.18%
Pretax Profit Margin
10.59%13.58%38.79%30.01%65.18%
Net Profit Margin
8.43%10.91%27.71%21.92%45.67%
Continuous Operations Profit Margin
8.09%10.91%27.71%21.92%45.67%
Net Income Per EBT
79.52%80.36%71.45%73.05%70.06%
EBT Per EBIT
96.89%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.43%0.57%1.77%1.40%1.74%
Return on Equity (ROE)
5.41%7.60%24.60%22.62%30.58%
Return on Capital Employed (ROCE)
1.56%4.11%6.50%5.63%4.89%
Return on Invested Capital (ROIC)
0.67%3.30%4.64%4.12%3.43%
Return on Tangible Assets
0.43%0.57%1.79%1.41%1.75%
Earnings Yield
8.96%3.91%12.48%8.92%16.93%
Efficiency Ratios
Receivables Turnover
 10.96 9.33 37.03 39.98 32.07
Payables Turnover
 24.86 0.00 17.63 35.76 8.34
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 5.67 6.17 7.43 12.90 9.35
Asset Turnover
 0.05 0.05 0.06 0.06 0.04
Working Capital Turnover Ratio
 -0.07 -0.08 -0.11 -0.12 -0.08
Cash Conversion Cycle
 18.64 39.13 -10.85 -1.08 -32.40
Days of Sales Outstanding
 33.32 39.13 9.86 9.13 11.38
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 14.68 0.00 20.70 10.21 43.79
Operating Cycle
 33.32 39.13 9.86 9.13 11.38
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 0.85 0.22 -0.99 0.85
Free Cash Flow Per Share
 0.00 0.85 0.05 -1.16 0.67
CapEx Per Share
 0.00 <0.01 0.17 0.17 0.18
Free Cash Flow to Operating Cash Flow
 0.00 0.99 0.24 1.17 0.79
Dividend Paid and CapEx Coverage Ratio
 0.00 143.81 0.31 -0.97 0.69
Capital Expenditure Coverage Ratio
 0.00 143.81 1.32 -5.84 4.75
Operating Cash Flow Coverage Ratio
 0.00 0.26 0.06 -0.76 0.65
Operating Cash Flow to Sales Ratio
 0.00 0.25 0.05 -0.24 0.31
Free Cash Flow Yield
0.00%8.91%0.59%-11.26%9.08%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.16 25.68 8.00 11.21 5.91
Price-to-Sales (P/S) Ratio
 0.94 2.79 2.22 2.46 2.70
Price-to-Book (P/B) Ratio
 0.61 1.94 1.97 2.54 1.81
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 11.22 170.46 -8.88 11.02
Price-to-Operating Cash Flow Ratio
 0.00 11.15 41.65 -10.40 8.70
Price-to-Earnings Growth (PEG) Ratio
 -0.19 -0.38 0.32 -0.42 0.31
Price-to-Fair Value
 0.61 1.94 1.97 2.54 1.81
Enterprise Value Multiple
 54.45 13.68 6.88 6.34 2.05
Enterprise Value
 4.71B 1.43B 2.17B 1.57B 702.11M
EV to EBITDA
 54.45 13.68 6.88 6.34 2.05
EV to Sales
 7.75 2.23 2.79 2.01 1.38
EV to Free Cash Flow
 0.00 8.98 214.30 -7.26 5.64
EV to Operating Cash Flow
 0.00 8.91 52.36 -8.50 4.46
Tangible Book Value Per Share
 4.65 4.54 4.25 3.67 3.72
Shareholders’ Equity Per Share
 4.98 4.89 4.67 4.07 4.10
Tax and Other Ratios
Effective Tax Rate
 0.24 0.20 0.29 0.27 0.30
Revenue Per Share
 3.20 3.41 4.14 4.20 2.75
Net Income Per Share
 0.27 0.37 1.15 0.92 1.25
Tax Burden
 0.80 0.80 0.71 0.73 0.70
Interest Burden
 0.97 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.14 0.16 0.12 0.11 0.16
Stock-Based Compensation to Revenue
 <0.01 0.00 0.01 0.00 <0.01
Income Quality
 0.00 4.36 0.19 -1.08 0.68
Currency in EUR