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

Italy · Delayed Price · Currency is EUR

1.690

+0.040 (2.42%)

At close: Aug 11, 2026

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	53.76	170.84	120	98.96	97.43	97.33
Revenue Growth	-57.32%	42.37%	21.26%	1.57%	0.10%	6.89%
Net Income	-33.01	42.34	25.2	16.51	22.03	23.25
Earnings Per Share	-0.41	0.36	0.31	0.21	0.28	0.29
EPS Growth	-	14.97%	52.43%	-25.09%	-4.84%	-9.97%

Revenue by Segment

Fiscal Year	FY 2025
Period Ending	Dec '25 Dec 31, 2025
Factoring	123
Retail	1.7
Collateralised Lending Division	35.68
Corporate Centere	0.17
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	77.47	87.79	93.44	250.5	126.59	175.84
Total Debt	158.7	216.04	220.93	165.08	237.9	193.19
Net Cash (Debt)	-81.23	-128.25	-127.49	85.42	-111.31	-17.36
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-1.01	-1.60	-1.59	1.06	-1.39	-0.22

Cash Flow & CapEx

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Operating Cash Flow	168	-136.5	130.68	-38.51	94.6	47.7
Capital Expenditures	-6.29	-4.16	-0.23	-0.94	-9.45	-5.48
Free Cash Flow	161.71	-140.65	130.45	-39.45	85.14	42.22
Free Cash Flow Growth	-	-	-	-	101.69%	457.37%

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
Pretax Margin	-68.39%	40.45%	34.91%	26.00%	34.05%	35.41%
Profit Margin	-68.39%	26.29%	22.10%	17.41%	23.11%	24.19%
FCF Margin	0.00%	0.00%	-117.21%	131.83%	-40.49%	87.48%

Dividends

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	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	5.13%	5.42%	4.71%	8.22%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 12, 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	7.17	4.67	4.04	5.83	5.56	7.28
Forward PE	11.69	4.80	4.34	7.03	4.73	6.88
P/FCF Ratio	-	-	-	0.74	-	1.99
PS Ratio	0.93	0.79	0.85	0.97	1.26	1.74