BFF Bank SpAFRA:2BF -1.26%63 PS Ratio is 1.50 as of Jul. 06, 2026, which is 64% below its 10-year median of 4.15. GuruFocus rates FRA:2BF with a GF Score™ of 63/100 and a GF Value™ of €8.43 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 520 Credit Services companies, BFF Bank SpA ranks better than 73.27% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, BFF Bank SpA's share price is €3.134.
BFF Bank SpA's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was €2.09. Hence, BFF Bank SpA's PS Ratio for today is 1.50.
The historical rank and industry rank for BFF Bank SpA's PS Ratio or its related term are showing as below:
FRA:2BF'
s PS Ratio Range Over the Past 10 Years
Min: 0.69 Med: 4.15 Max: 7.99
Current: 1.48
During the past 13 years, BFF Bank SpA's highest PS Ratio was 7.99. The lowest was 0.69. And the median was 4.15.
FRA:2BF's PS Ratio is ranked better than 73.27% of 520
companies
in the Credit Services industry
Industry Median: 2.94
vs FRA:2BF: 1.48
BFF Bank SpA revenue per share has been in decline over the past 3 years.
During the past 12 months, the average Revenue per Share Growth Rate of BFF Bank SpA was -0.90% per year.
During the past 3 years, the average Revenue per Share Growth Rate was -3.90% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 9.70% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 10.20% per year.
During the past 13 years, BFF Bank SpA's highest 3-Year average Revenue per Share Growth Rate was 22.80% per year. The lowest was -3.90% per year. And the median was 9.75% per year.
Back to Basics: PS Ratio
BFF Bank SpA (FRA:2BF) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
BFF Bank SpA PS Ratio Related Terms
BFF Bank SpA PS Ratio Historical Data
* Premium members only.
The historical data trend for BFF Bank SpA's PS Ratio 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 Credit Services subindustry, BFF Bank SpA's PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, BFF Bank SpA's PS Ratio distribution charts can be found below:
* The bar in red indicates where BFF Bank SpA's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
BFF Bank SpA's PS Ratio for today is calculated as
BFF Bank SpA's Share Price of today is €3.134. BFF Bank SpA's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €2.09.
* 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.
It can also be calculated from the numbers for the whole company:
BFF Bank SpA (FRA:2BF) has a PS Ratio of 1.50 as of Jul. 06, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on BFF Bank SpA and its competitors. This is 64% below median its historical median of 4.15. Over the past decade, BFF Bank SpA's PS Ratio has ranged from 0.69 to 7.99. According to the industry distribution chart, BFF Bank SpA ranks #139 out of 520 companies in the Credit Services industry, placing it in the top 26.7%.
Is BFF Bank SpA's PS Ratio too high?
BFF Bank SpA's current PS Ratio of 1.50 is 64% below median its 10-year median of 4.15. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 7.99. The Credit Services industry median PS Ratio is 2.94. BFF Bank SpA's value of 1.50 is 49% below this industry median. Based on the distribution chart, BFF Bank SpA ranks #139 out of 520 companies in the Credit Services industry, which is above the industry midpoint. Overall, BFF Bank SpA has a GF Score™ of 63/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does BFF Bank SpA's PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, BFF Bank SpA ranks #139 out of 520 companies for PS Ratio. This puts BFF Bank SpA in the upper half of its industry. The industry median PS Ratio is 2.94. BFF Bank SpA's value of 1.50 is 49% below this benchmark. Historically, BFF Bank SpA's own PS Ratio has ranged from 0.69 to 7.99 over the past decade. While the company's 10-year median is 4.15 vs. the industry median of 2.94, BFF Bank SpA has consistently been below 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.94, based on 520 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BFF Bank SpA's current PS Ratio of 1.50 is 49% below 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on BFF Bank SpA and its competitors. For the Credit Services industry, the median PS Ratio is 2.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BFF Bank SpA's current PS Ratio is 1.50, which is 64% below median its own 10-year median of 4.15. 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 (FRA:2BF) is currently considered Possible Value Trap. The stock's GF Value™ is €8.43, compared to a current price of €3.13 — trading 62.8% below its estimated fair value. The current PS Ratio is 1.50, which is 64% below median its 10-year median of 4.15 and 49% below the Credit Services industry median of 2.94. BFF Bank SpA's overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For BFF Bank SpA (FRA:2BF), the current PS Ratio is 1.50 as of Jul. 06, 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 (FRA:2BF) Overvalued in 2026?
Based on GuruFocus' analysis, BFF Bank SpA stock appears to be undervalued.
The current stock price of €3.13 is trading 62.8% below its estimated GF Value™ of €8.43.
GuruFocus considers BFF Bank SpA to be Possible Value Trap.
Key valuation signals for FRA:2BF:
PS Ratio: 1.50 (64% below median its 10-year median of 4.15)
GF Value™: €8.43 vs. price of €3.13 (62.8% below fair value)
Industry Position: 49% below the Credit Services median (#139 of 520)
No single metric tells the full story. See the FRA:2BF 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.
63GF Score
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