Banca Sistema S.p.A. (BIT:BST)

Italy · Delayed Price · Currency is EUR

1.584

-0.030 (-1.86%)

Last updated: Sep 3, 2026, 2:48 PM CET

Banca Sistema Financials Overview

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	145.73	160.73	120.09	98.98	97.4	97.33
Revenue Growth	26.19%	33.84%	21.32%	1.63%	0.07%	5.64%
Net Income	18.96	29.04	25.2	16.51	22.03	23.25
Earnings Per Share	0.24	0.36	0.31	0.21	0.27	0.29
EPS Growth	-44.05%	15.09%	52.44%	-25.17%	-4.84%	-9.97%

Revenue by Segment

Fiscal Year	FY 2025
Period Ending	Dec '25 Dec 31, 2025
Retail	1.7
Factoring	123
Corporate Centere	0.17
Collateralised Lending Division	35.68
Total	160.54

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	78.81	91.56	96.99	254.15	141.59	175.84
Total Debt	868.99	1,129	1,177	881.48	1,776	1,053
Net Cash (Debt)	-790.19	-1,037	-1,080	-627.33	-1,635	-877.37
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-9.83	-12.90	-13.45	-7.82	-20.40	-10.91

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-66.86	1.85	-136.5	130.68	-38.51	94.6
Capital Expenditures	-6.22	-6.89	-4.16	-0.23	-0.94	-9.45
Free Cash Flow	-73.09	-5.04	-140.65	130.45	-39.45	85.14
Free Cash Flow Growth	-	-	-	-	-	101.69%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	13.01%	18.07%	20.98%	16.68%	22.62%	23.89%
FCF Margin	-50.15%	-3.14%	-117.12%	131.79%	-40.51%	87.48%

Dividends

Fiscal Year	FY 2023	FY 2022	FY 2021
Period Ending	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.065	0.065	0.072
Dividend Per Share Growth	0%	-9.72%	-10.00%
Dividend Yield	5.67%	4.68%	3.91%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 3, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	6.14	4.67	4.04	5.83	5.57	7.28
Forward PE	11.16	4.80	4.34	7.03	4.73	6.88
P/FCF Ratio	-	-	-	0.74	-	1.99
PS Ratio	0.89	0.84	0.85	0.97	1.26	1.74