BFF Bank S.p.A. (BIT:BFF)

Instructure Holdings Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jul 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	1,984	1,729	1,923	1,371	1,310	840
Market Cap Growth	-38.18%	-10.09%	40.28%	4.65%	55.98%	-7.62%
PE Ratio	9.40	8.02	11.20	5.91	6.64	9.22
PS Ratio	4.17	3.55	4.53	3.33	4.18	4.04
PB Ratio	2.17	1.97	2.53	1.81	2.29	1.82
P/FCF Ratio	-	170.47	-	10.28	2.59	7.12
P/OCF Ratio	-	41.65	-	8.77	2.46	6.94
Debt / Equity Ratio	0.66	2.91	2.61	6.20	2.64	5.80
Debt / FCF Ratio	-	251.28	-	35.27	2.98	22.76
Quick Ratio	1.15	1.13	1.05	1.04	1.06	1.33
Current Ratio	1.15	1.14	1.05	1.06	1.08	1.33
Asset Turnover	0.04	0.04	0.03	0.03	0.04	0.04
Return on Equity (ROE)	24.79%	26.37%	22.62%	34.88%	38.17%	21.69%
Return on Assets (ROA)	1.72%	1.76%	1.34%	1.89%	2.29%	1.58%
Earnings Yield	10.67%	12.48%	8.93%	16.93%	15.07%	10.85%
Earnings Yield	10.67%	12.48%	8.93%	16.93%	15.07%	10.85%
FCF Yield	-	0.59%	-10.61%	9.73%	38.67%	14.05%
Dividend Yield	10.26%	-	9.92%	12.24%	29.88%	0.58%
Payout Ratio	-	46.93%	92.87%	83.53%	85.38%	-
Buyback Yield / Dilution	-	-1.06%	-1.02%	4.70%	-10.70%	0.80%
Total Shareholder Return	10.38%	-1.06%	8.90%	16.95%	19.18%	1.38%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.