BFF Bank SpA has the GF Score of 56, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes BFF Bank SpA
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
BFF Bank SpA (LTS:0RON) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
BFF Bank SpA GF Score Related Terms
LTS:0RON vs V, MA, AXP: GF Score Comparison
For the Credit Services subindustry, BFF Bank SpA's GF Score, along with its competitors' market caps and GF Score 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.
BFF Bank SpA GF Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, BFF Bank SpA's GF Score distribution charts can be found below:
* The bar in red indicates where BFF Bank SpA's GF Score falls into.
BFF Bank SpA (LTS:0RON) has a GF Score of 56 as of Jul. 05, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on BFF Bank SpA and its competitors. This is near median its historical median of 60.00. Over the past decade, BFF Bank SpA's GF Score has ranged from 1.00 to 83.00.
Is BFF Bank SpA's GF Score too high?
BFF Bank SpA's current GF Score of 56 is near median its 10-year median of 60.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 83.00. Overall, BFF Bank SpA has a GF Score™ of 56/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does BFF Bank SpA's GF Score compare to V and MA?
BFF Bank SpA's GF Score of 56 can be compared against companies in the Credit Services industry. Historically, BFF Bank SpA's own GF Score has ranged from 1.00 to 83.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Credit Services company?
A good GF Score depends on the Credit Services industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on BFF Bank SpA and its competitors. BFF Bank SpA's current GF Score is 56, which is near median its own 10-year median of 60.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BFF Bank SpA stock overvalued right now?
Based on GuruFocus' analysis, BFF Bank SpA (LTS:0RON) is currently considered Possible Value Trap. The stock's GF Value™ is €8.56, compared to a current price of €3.11 — trading 63.7% below its estimated fair value. The current GF Score is 56, which is near median its 10-year median of 60.00. BFF Bank SpA's overall GF Score™ is 56/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For BFF Bank SpA (LTS:0RON), the current GF Score is 56 as of Jul. 05, 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 BFF Bank SpA (LTS:0RON) Overvalued in 2026?
Based on GuruFocus' analysis, BFF Bank SpA stock appears to be undervalued.
The current stock price of €3.11 is trading 63.7% below its estimated GF Value™ of €8.56.
GuruFocus considers BFF Bank SpA to be Possible Value Trap.
Key valuation signals for LTS:0RON:
GF Score: 56 (near median its 10-year median of 60.00)
GF Value™: €8.56 vs. price of €3.11 (63.7% below fair value)
No single metric tells the full story. See the LTS:0RON stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BFF Bank SpA is an independent specialty finance company engaged in three business units; Factoring & Lending BU, which offers products such as non-recourse factoring, lending, and credit management mainly to public sector suppliers and public administration bodies, Securities Services BU, which deals with custodian banking for investment funds and related services such as fund accounting, and transfer agents for national managers and banks and for various investment funds such as pension funds, mutual funds and alternative funds, and Payments BU, which deals with payment processing, corporate payments, and cheques and bills and has as customers medium-small Italian banks, medium-large companies and boasts a partnership with Nexi.
56GF Score
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