)
Visual
test
BFF Bank
BFF Bank (BFF) investor relations material
BFF Bank Investor update summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor update summary2 Feb, 2026
Leadership and governance changes
CEO steps down after 12 years, remains on the board as non-executive member; new General Manager appointed with full powers.
Management team is working on a new strategic plan, with further strengthening expected, including a new CFO.
Factoring portfolio review and de-risking actions
Comprehensive internal review of the factoring portfolio led to decisive de-risking actions, including a €95 million one-off pre-tax charge in 2025 and a reduction in non-performing exposures.
€72.2 million provision for negative court rulings on Italian public sector receivables, mostly under appeal.
Review identified operational errors in cash allocations totaling €54 million, resulting in a €14 million reduction in 2024 bank equity.
Provisions cover about €400 million of receivables, with a conservative approach to future negative court rulings.
€22.4 million provision for increased estimated collection time of late payment interests.
Financial guidance and targets
2025 Adjusted Net Income is expected at €150 million (up 5% YoY), with Adjusted ROE at 23% and CET1 ratio between 13.2% and 13.7%.
2025 Reported Net Income is projected at €70 million, reflecting the impact of one-off charges.
2026 Adjusted Net Income target revised to €160 million (from €240 million), EPS to €0.8 (from €1.3), cost/income ratio to below 50% (from below 40%), and ROTE to 24% (from over 40%).
Guidance revision reflects more conservative assumptions, portfolio clean-up, and ongoing legal and operational adjustments.
Business remains structurally solid, profitable, and positioned for continued earnings growth and capital generation.
Detail drivers for revised 2026 financial targets
Update on potential securitization progress
When will off-balance revenues be recognized?
Clarify long-term management structure
Key assumptions for revised 2026 net income
Securitization timeline and contingency plan
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 6 FebPECO
2026 FFO per share growth guided at 5.5% with record occupancy and strong acquisition plans. - 6 FebPROV
Q2 FY2026 net income rose 65% year-over-year, with higher margins and strong credit quality. - 6 FebNVDA
AI-driven digital twins and accelerated computing are set to revolutionize industrial design and manufacturing. - 6 FebCDP
2025 FFO/share rose 5.8% to $2.72, with strong leasing and investment; 2026 guidance signals more growth. - 6 FebCRI
Q1 2025 saw record revenue, a return to profit, and major new contracts in space technology. - 6 FebCRINet loss widened to 7.5m PLN in H1 2024 as revenue fell and R&D costs remained high.
- 6 FebCRINet loss deepened on lower sales and higher costs, but major new contracts and restructuring are underway.
- 6 FebEMBASSY
Record revenue, NOI, and distributions highlight strong growth and robust segment performance. - 6 FebCRIRevenue fell and losses deepened, but ESA contracts and R&D projects drive future prospects.
- 6 FebTUPRS
Net income reached TRY 29.5 billion, with strong dividends and a robust net cash position.
Next BFF Bank earnings date
Q4 202510 Feb, 2026
BFF Bank
Next BFF Bank earnings date
Q4 202510 Feb, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
BFF Bank S.p.A.,is a financial services provider with a focus on the public sector. It specializes in the management and non-recourse factoring of trade receivables due from public administrations, along with offering securities services, banking, and corporate payments. The company operates in a diverse range of European countries, including Italy, Croatia, Czech Republic, France, Greece, Poland, Portugal, Slovakia, and Spain. The company's service portfolio encompasses factoring & lending, securities services, and payment services. BFF Bank S.p.A. is listed on the Milan Stock Exchange.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage