Banca Sistema SpAMIL:BST +1.86%66 FCF Margin % is 157.84% as of Mar. 2026, which is 2117% above its 10-year median of 7.12. GuruFocus rates MIL:BST with a GF Score™ of 66/100 and a GF Value™ of €1.84 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,504 Banks companies, Banca Sistema SpA ranks worse than 81.18% on this metric.
The historical rank and industry rank for Banca Sistema SpA's FCF Margin % or its related term are showing as below:
MIL:BST'
s FCF Margin % Range Over the Past 10 Years
Min: -113.62 Med: 7.12 Max: 120.5
Current: -27.33
During the past 12 years, the highest FCF Margin % of Banca Sistema SpA was 120.50%. The lowest was -113.62%. And the median was 7.12%.
MIL:BST's FCF Margin % is ranked worse than 81.18% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs MIL:BST: -27.33
Banca Sistema SpA FCF Margin % Related Terms
Banca Sistema SpA FCF Margin % Historical Data
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The historical data trend for Banca Sistema SpA's FCF Margin % 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.
For the Banks - Regional subindustry, Banca Sistema SpA's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Banca Sistema SpA FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banca Sistema SpA's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Banca Sistema SpA's FCF Margin % falls into.
* 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 (MIL:BST) has a FCF Margin % of 157.84% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Banca Sistema SpA and its competitors. This is 2117% above median its historical median of 7.12. According to the industry distribution chart, Banca Sistema SpA ranks #1221 out of 1504 companies in the Banks industry, placing it in the top 81.2%.
Is Banca Sistema SpA's FCF Margin % too high?
Banca Sistema SpA's current FCF Margin % of 157.84% is 2117% above median its 10-year median of 7.12. The Banks industry median FCF Margin % is 26.50. Banca Sistema SpA's value of 157.84% is 495.6% above this industry median. Based on the distribution chart, Banca Sistema SpA ranks #1221 out of 1504 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banca Sistema SpA has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Banca Sistema SpA's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banca Sistema SpA ranks #1221 out of 1504 companies for FCF Margin %. This places Banca Sistema SpA in the lower half of its industry. The industry median FCF Margin % is 26.50. Banca Sistema SpA's value of 157.84% is 495.6% above this benchmark. While the company's 10-year median is 7.12 vs. the industry median of 26.50, Banca Sistema SpA has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banca Sistema SpA's current FCF Margin % of 157.84% is 495.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Banca Sistema SpA and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banca Sistema SpA's current FCF Margin % is 157.84%, which is 2117% above median its own 10-year median of 7.12. 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 €1.84, compared to a current price of €1.64 — trading 10.9% below its estimated fair value. The current FCF Margin % is 157.84%, which is 2117% above median its 10-year median of 7.12 and 495.6% above the Banks industry median of 26.50. Banca Sistema SpA's overall GF Score™ is 66/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Banca Sistema SpA (MIL:BST), the current FCF Margin % is 157.84% 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 €1.64 is trading 10.9% below its estimated GF Value™ of €1.84.
GuruFocus considers Banca Sistema SpA to be Modestly Undervalued.
Key valuation signals for MIL:BST:
FCF Margin %: 157.84% (2117% above median its 10-year median of 7.12)
GF Value™: €1.84 vs. price of €1.64 (10.9% below fair value)
Industry Position: 495.6% above the Banks median (#1221 of 1504)
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 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.
66GF Score
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