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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 €0.00. For the 2026 fiscal year, IT:BFF's free cash flow was increased by €0.00 and operating cash flow was €0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.10 | 0.04 | 0.08 | 0.14 | 0.11 |
| Quick Ratio | 0.10 | 0.04 | 0.08 | 0.14 | 0.11 |
| Cash Ratio | 0.10 | 0.04 | 0.07 | 0.14 | 0.11 |
| Solvency Ratio | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 |
| Operating Cash Flow Ratio | 0.02 | 0.01 | -0.02 | 0.02 | 0.07 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | € -10.32B | € -10.95B | € -10.92B | € -11.66B | € -9.75B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.05 | 0.06 | 0.02 | 0.02 | 0.03 |
| Debt-to-Equity Ratio | 0.67 | 0.86 | 0.32 | 0.32 | 0.66 |
| Debt-to-Capital Ratio | 0.40 | 0.46 | 0.24 | 0.24 | 0.40 |
| Long-Term Debt-to-Capital Ratio | 0.40 | 0.46 | 0.24 | 0.24 | 0.40 |
| Financial Leverage Ratio | 13.30 | 13.86 | 16.20 | 17.58 | 19.55 |
| Debt Service Coverage Ratio | 0.33 | 0.60 | 0.54 | 2.62 | 5.25 |
| Interest Coverage Ratio | 0.33 | 0.79 | 0.68 | 3.56 | 4.97 |
| Debt to Market Cap | 0.35 | 0.43 | 0.13 | 0.18 | 0.29 |
| Interest Debt Per Share | 4.69 | 6.04 | 3.15 | 1.82 | 2.26 |
| Net Debt to EBITDA | -3.43 | 1.41 | -1.42 | -1.95 | -2.15 |
| Profitability Margins | |||||
| Gross Profit Margin | 58.57% | 50.64% | 55.91% | 81.70% | 88.41% |
| EBIT Margin | 13.58% | 38.79% | 30.01% | 65.18% | 57.65% |
| EBITDA Margin | 16.31% | 40.57% | 31.68% | 67.45% | 60.60% |
| Operating Profit Margin | 13.58% | 38.79% | 30.01% | 65.18% | 57.65% |
| Pretax Profit Margin | 13.58% | 38.79% | 30.01% | 65.18% | 57.65% |
| Net Profit Margin | 10.91% | 27.71% | 21.92% | 45.67% | 57.86% |
| Continuous Operations Profit Margin | 10.91% | 27.71% | 21.92% | 45.67% | 57.86% |
| Net Income Per EBT | 80.36% | 71.45% | 73.05% | 70.06% | 100.36% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.57% | 1.77% | 1.40% | 1.74% | 1.77% |
| Return on Equity (ROE) | 7.60% | 24.60% | 22.62% | 30.58% | 34.53% |
| Return on Capital Employed (ROCE) | 4.11% | 6.50% | 5.63% | 4.89% | 5.84% |
| Return on Invested Capital (ROIC) | 3.30% | 4.64% | 4.12% | 3.43% | 5.84% |
| Return on Tangible Assets | 0.57% | 1.79% | 1.41% | 1.75% | 1.78% |
| Earnings Yield | 3.91% | 12.48% | 8.92% | 16.93% | 15.02% |
| Efficiency Ratios | |||||
| Receivables Turnover | 9.33 | 37.03 | 39.98 | 32.07 | 12.49 |
| Payables Turnover | 0.00 | 17.63 | 35.76 | 8.34 | 2.14 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 6.17 | 7.43 | 12.90 | 9.35 | 9.36 |
| Asset Turnover | 0.05 | 0.06 | 0.06 | 0.04 | 0.03 |
| Working Capital Turnover Ratio | -0.08 | -0.11 | -0.12 | -0.08 | -0.07 |
| Cash Conversion Cycle | 39.13 | -10.85 | -1.08 | -32.40 | -141.51 |
| Days of Sales Outstanding | 39.13 | 9.86 | 9.13 | 11.38 | 29.23 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 20.70 | 10.21 | 43.79 | 170.74 |
| Operating Cycle | 39.13 | 9.86 | 9.13 | 11.38 | 29.23 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 0.85 | 0.22 | -0.99 | 0.85 | 2.88 |
| Free Cash Flow Per Share | 0.85 | 0.05 | -1.16 | 0.67 | 2.55 |
| Dividend Paid and CapEx Coverage Ratio | 143.81 | 0.31 | -0.97 | 0.69 | 2.32 |
| Capital Expenditure Coverage Ratio | 143.81 | 1.32 | -5.84 | 4.75 | 8.70 |
| Operating Cash Flow Coverage Ratio | 0.26 | 0.06 | -0.76 | 0.65 | 1.40 |
| Operating Cash Flow to Sales Ratio | 0.25 | 0.05 | -0.24 | 0.31 | 1.56 |
| Free Cash Flow Yield | 8.91% | 0.59% | -11.26% | 9.08% | 35.92% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 25.68 | 8.00 | 11.21 | 5.91 | 6.66 |
| Price-to-Sales (P/S) Ratio | 2.79 | 2.22 | 2.46 | 2.70 | 3.85 |
| Price-to-Book (P/B) Ratio | 1.94 | 1.97 | 2.54 | 1.81 | 2.30 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 11.22 | 170.46 | -8.88 | 11.02 | 2.78 |
| Price-to-Operating Cash Flow Ratio | 11.15 | 41.65 | -10.40 | 8.70 | 2.46 |
| Price-to-Earnings Growth (PEG) Ratio | -0.38 | 0.32 | -0.42 | 0.31 | 0.07 |
| Enterprise Value Multiple | 13.68 | 6.88 | 6.34 | 2.05 | 4.20 |
| Enterprise Value | 1.43B | 2.17B | 1.57B | 702.11M | 868.47M |
| EV to EBITDA | 13.68 | 6.88 | 6.34 | 2.05 | 4.20 |
| EV to Sales | 2.23 | 2.79 | 2.01 | 1.38 | 2.55 |
| EV to Free Cash Flow | 8.98 | 214.30 | -7.26 | 5.64 | 1.84 |
| EV to Operating Cash Flow | 8.91 | 52.36 | -8.50 | 4.46 | 1.63 |
| Tangible Book Value Per Share | 4.54 | 4.25 | 3.67 | 3.72 | 2.72 |
| Shareholders’ Equity Per Share | 4.89 | 4.67 | 4.07 | 4.10 | 3.08 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.20 | 0.29 | 0.27 | 0.30 | -0.00 |
| Revenue Per Share | 3.41 | 4.14 | 4.20 | 2.75 | 1.84 |
| Net Income Per Share | 0.37 | 1.15 | 0.92 | 1.25 | 1.07 |
| Tax Burden | 0.80 | 0.71 | 0.73 | 0.70 | 1.00 |
| Interest Burden | 1.00 | 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 | 0.16 | 0.12 | 0.11 | 0.16 | 0.24 |
| Stock-Based Compensation to Revenue | 0.00 | 0.01 | 0.00 | 0.01 | 0.01 |
| Income Quality | 4.36 | 0.19 | -1.08 | 0.68 | 2.70 |
Currency in EUR
