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

Banca Sistema Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	18.96	29.04	25.2	16.51	22.03	23.25
Depreciation & Amortization	4.73	4.5	3.35	3.38	3.16	2.74
Other Amortization	0.67	0.67	0.61	0.55	0.29	-
Provision for Credit Losses	23.86	10.3	0.91	4.75	8.36	10.65
Change in Trading Asset Securities	-77.23	-30.24	-554.73	-16.22	-105.73	-18.9
Change in Other Net Operating Assets	-148.72	-130.96	319.64	100.12	24.67	68.83
Other Operating Activities	112.23	118.55	68.51	21.61	8.7	8.02
Operating Cash Flow	-66.86	1.85	-136.5	130.68	-38.51	94.6
Operating Cash Flow Growth	-	-	-	-	-	98.33%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-6.22	-6.89	-4.16	-0.23	-0.94	-9.45
Cash Acquisitions	-	-	-10.58	-	-1.12	-
Investment in Securities	0	-	-	-	-	-
Purchase / Sale of Intangibles	-0.59	-0.71	-0.86	-1.53	-2.35	-1.75
Investing Cash Flow	-6.81	-7.6	-15.59	-1.77	-4.41	-11.21

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Issuance of Common Stock	-	0.1	0.25	0.2	-	37.5
Repurchase of Common Stock	-	-	-	-	-0.56	-
Common Dividends Paid	-	-	-5.22	-5.22	-5.77	-13.91
Financing Cash Flow	-	0.1	-4.97	-5.01	-6.33	23.59

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	-73.68	-5.65	-157.06	123.91	-49.25	106.98

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	-73.09	-5.04	-140.65	130.45	-39.45	85.14
Free Cash Flow Growth	-	-	-	-	-	101.69%
Free Cash Flow Margin	-50.15%	-3.14%	-117.12%	131.79%	-40.51%	87.48%
Free Cash Flow Per Share	-0.91	-0.06	-1.75	1.63	-0.49	1.06

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 2, 2026

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