Banca Sistema SpA (MIL:BST) Net Interest Income: €105.6 Mil (TTM As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

MIL:BST Banca Sistema SpA MIL:BST
70 GF Score
Price €1.56
GF Value €2.09
Valuation Modestly Undervalued
! 2 Warning Signs
View Full Analysis

What is Banca Sistema SpA Net Interest Income?

Banca Sistema SpA MIL:BST -1.14% 70 Net Interest Income is €105.6 Mil as of Jun. 2026. GuruFocus rates MIL:BST with a GF Score™ of 70/100 and a GF Value™ of €2.09 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors. Banca Sistema SpA's net interest income for the three months ended in Jun. 2026 was €15.3 Mil. Its net interest income for the trailing twelve months (TTM) ended in Jun. 2026 was €105.6 Mil.

Banca Sistema SpA Net Interest Income Related Terms

Banca Sistema SpA Net Interest Income Historical Data

* Premium members only.

The historical data trend for Banca Sistema SpA's Net Interest Income 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 Interest Income Chart

Banca Sistema SpA Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Interest Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only 81.96 85.43 66.95 50.08 96.75

Banca Sistema SpA Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Interest Income 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 1.08 27.08 48.47 14.78 15.27
MIL:BST
70GF Score
Banca Sistema SpA MIL:BST
Net Interest Income is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banca Sistema SpA Net Interest Income Calculation

Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors.

Net Interest Income for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €105.6 Mil.

* 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.

Frequently Asked Questions Learn more about Net Interest Income →
What does a Net Interest Income of €105.6 Mil mean?
Banca Sistema SpA (MIL:BST) has a Net Interest Income of €105.6 Mil as of Jun. 2026.
Is Banca Sistema SpA's Net Interest Income too high?
Banca Sistema SpA's current Net Interest Income is €105.6 Mil. Overall, Banca Sistema SpA has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Banca Sistema SpA's Net Interest Income compare to USB and PNC?
Banca Sistema SpA's Net Interest Income of €105.6 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 Interest Income for a Banks company?
A good Net Interest Income depends on the Banks industry context. However, Net Interest Income 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 Interest Income mean?
A high Net Interest Income can signal that a stock is expensive relative to its fundamentals. Banca Sistema SpA's current Net Interest Income is €105.6 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 €2.09, compared to a current price of €1.56 — trading 25.5% below its estimated fair value. The current Net Interest Income is €105.6 Mil. Banca Sistema SpA's overall GF Score™ is 70/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Income calculated?
Net Interest Income is calculated from a company's financial statements. For Banca Sistema SpA (MIL:BST), the current Net Interest Income is €105.6 Mil as of Jun. 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 €1.56 is trading 25.5% below its estimated GF Value™ of €2.09. GuruFocus considers Banca Sistema SpA to be Modestly Undervalued.

Key valuation signals for MIL:BST:

  • Net Interest Income: €105.6 Mil
  • GF Value™: €2.09 vs. price of €1.56 (25.5% below fair value)
  • GF Score™: 70/100 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.
70GF Score

Get the complete analysis for MIL:BST

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

€1.56
Price
€2.09
GF Value