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 Cash Flow Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Operating Activities

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
Net Income	33.89	25.2	16.51	22.03	23.25	26.15
Depreciation & Amortization	4.16	3.3	3.28	3	2.71	1.96
Provision for Credit Losses	4.39	0.91	4.75	8.36	10.65	10.95
Other Adjustments	-2,436	69.18	22.25	9.16	8.05	12.16
Changes in Trading Assets	-0.93	-	-	-	-	-
Changes in Accrued Interest and Accounts Receivable	233.06	534.79	151.62	-570.23	125.18	-19.57
Changes in Trading Liabilities	-27.53	-	-	-	-	-
Changes in Accounts Payable	-540.9	-7.05	81.4	646.2	-31.88	-149.92
Changes in Other Operating Activities	2,898	-762.82	-149.12	-157.02	-43.36	165.97
Operating Cash Flow	168	-136.5	130.68	-38.51	94.6	47.7
Operating Cash Flow Growth	-	-	-	-	98.33%	369.21%

Investing Activities

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
Cash Acquisitions	-10.58	-10.58	-	-1.12	-	-1
Capital Expenditures	-6.29	-4.16	-0.23	-0.94	-9.45	-5.48
Purchases of Intangible Assets	-0.44	-0.86	-1.53	-2.35	-1.75	-28.89
Investing Cash Flow	-17.3	-15.59	-1.77	-4.41	-11.21	-35.37

Financing Activities

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
Issuance of Common Stock	0.1	0.25	0.2	-0.56	37.5	-
Net Common Stock Issued (Repurchased)	0.1	0.25	0.2	-0.56	37.5	-
Common Dividends Paid	-	-5.22	-5.22	-5.77	-13.91	-
Financing Cash Flow	0.1	-4.97	-5.01	-6.33	23.59	0

Net Cash Flow

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
Net Cash Flow	150.79	-157.06	123.91	-49.25	106.98	12.33

Free Cash Flow

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
Free Cash Flow	161.71	-140.65	130.45	-39.45	85.14	42.22
Free Cash Flow Growth	-	-	-	-	101.69%	457.37%
FCF Margin	125.49%	-117.21%	131.83%	-40.49%	87.48%	46.36%
Free Cash Flow Per Share	2.01	-1.75	1.63	-0.49	1.06	0.53