Banca Sistema SpA (MIL:BST) Net Loan: €2,715.2 Mil (As of Mar. 2026)

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MIL:BST Banca Sistema SpA MIL:BST
67 GF Score
Price €1.54
GF Value €1.82
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Banca Sistema SpA Net Loan?

Banca Sistema SpA MIL:BST -0.65% 67 Net Loan is €2,715.2 Mil as of Mar. 2026. GuruFocus rates MIL:BST with a GF Score™ of 67/100 and a GF Value™ of €1.82 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Banca Sistema SpA's quarterly net loan declined from Sep. 2025 (€2,495.1 Mil) to Dec. 2025 (€2,364.2 Mil) but then increased from Dec. 2025 (€2,364.2 Mil) to Mar. 2026 (€2,715.2 Mil).

Banca Sistema SpA's annual net loan declined from Dec. 2023 (€3,335.2 Mil) to Dec. 2024 (€2,364.2 Mil) and declined from Dec. 2024 (€2,364.2 Mil) to Dec. 2025 (€2,715.2 Mil).

Banca Sistema SpA Net Loan Historical Data

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The historical data trend for Banca Sistema SpA's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Banca Sistema SpA Net Loan Chart

Banca Sistema SpA Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,751.81 2,832.02 3,335.17 2,697.05 2,364.19

Banca Sistema SpA Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2,660.00 2,612.89 2,495.10 2,364.19 2,715.19
MIL:BST
67GF Score
Banca Sistema SpA MIL:BST
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Banca Sistema SpA Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of €2,715.2 Mil mean?
Banca Sistema SpA (MIL:BST) has a Net Loan of €2,715.2 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Banca Sistema SpA and its competitors.
Is Banca Sistema SpA's Net Loan too high?
Banca Sistema SpA's current Net Loan is €2,715.2 Mil. Overall, Banca Sistema SpA has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Banca Sistema SpA's Net Loan compare to PNC and USB?
Banca Sistema SpA's Net Loan of €2,715.2 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Banca Sistema SpA and its competitors. Banca Sistema SpA's current Net Loan is €2,715.2 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banca Sistema SpA stock overvalued right now?
Based on GuruFocus' analysis, Banca Sistema SpA (MIL:BST) is currently considered Modestly Undervalued. The stock's GF Value™ is €1.82, compared to a current price of €1.54 — trading 15.4% below its estimated fair value. The current Net Loan is €2,715.2 Mil. Banca Sistema SpA's overall GF Score™ is 67/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Banca Sistema SpA (MIL:BST), the current Net Loan is €2,715.2 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Banca Sistema SpA (MIL:BST) Overvalued in 2026?

Based on GuruFocus' analysis, Banca Sistema SpA stock appears to be undervalued. The current stock price of €1.54 is trading 15.4% below its estimated GF Value™ of €1.82. GuruFocus considers Banca Sistema SpA to be Modestly Undervalued.

Key valuation signals for MIL:BST:

  • Net Loan: €2,715.2 Mil
  • GF Value™: €1.82 vs. price of €1.54 (15.4% below fair value)
  • GF Score™: 67/100 with 2 warning signs

No single metric tells the full story. See the MIL:BST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Banca Sistema SpA Business Description

Other Exchanges 0R9H:UKB2S:Germany
Address Largo Augusto 1/A, At the corner of Via Verziere 13, Milan, ITA, 20122
Banca Sistema SpA provides factoring and banking services. It specializes in the acquisition, management, and financing of receivables. The firm's products and services comprise current accounts, time deposits, funding for SMEs, non-recourse factoring, credit management, and payment services. Segment reporting of the company includes the following divisions: Factoring Division includes business related to the origination of trade and tax receivables with and without recourse, and the management. Retail Division, which includes the business related to the purchase of salary- and pension-backed loans. Collateralized Lending Division includes the business related to collateral-backed loans. Corporate Division includes activities related to the management of the Group's financial resources.
67GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€1.54
Price
€1.82
GF Value