Banca Sistema S.p.A (BST) Fair Value & Analysis
Financial Services · IT · Market cap €141M
Fair value as of: Jun 26, 2026
From 15 valuation models · updated 3 days ago
Fair value updated Jun 26, 2026 — revised from €3.34 to €3.28 (−1.8%) since Jun 24, 2026. Share price −10.5% over the past month.
Price vs Fair Value (12 months)
12‑month range €1.58 – €2.03 · fair‑value band €2.46 – €4.11 · the €1.64 price screens below the €3.28 fair value. As of Jun 26, 2026.
✦ Which stocks are undervalued right now? Check free Discover now →Analysis
Banca Sistema S.p.A (BST) currently trades at €1.64, while our model-based Fair Value estimate is €3.28 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, Banca Sistema S.p.A generated revenue of €152M at a net margin of 14.0%. Revenue declined 46.4% year over year. It earns a return on equity of 7.6%. Net debt stands at €154M. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
Banca Sistema S.p.A. provides various business and retail banking products and services in Italy. The company offers factoring services that cover non-recourse and recourse factoring, VAT receivables, maturity factoring, receivables certifications, and credit management products; and online factoring services. Its banking solutions comprising current and securities accounts, and time deposits, as well as salary and pension backed loans. Further, it offers collateralized loans; and auction house services. The company was founded in 2011 and is based in Milan, Italy. As of March 13, 2026, Banca Sistema S.p.A. operates as a subsidiary of Banca CF+ S.p.A.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Banca Sistema S.p.A reported revenue of €174M in FY2025 versus €108M in FY2021, a compound +12.7%/yr. Reported net income was €29.0M in FY2025, compounding +5.7%/yr from FY2021.
Open the full interactive analysis →
Similar stocks
6 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| HDFC Bank Limited HDFCBANK | ₹746.85 | ₹880.28 | +18% |
| PT Bank Central Asia Tbk BBCA | 6,225 IDR | 6,617 IDR | +6% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,910 IDR | 4,891 IDR | +68% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| KB Financial Group 105560 | 154,000 KRW | 172,992 KRW | +12% |
| PT Bank Mandiri (Persero) Tbk BMRI | 3,710 IDR | 7,420 IDR | +100% |
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Banca Sistema S.p.A (BST) undervalued?
What is the fair value of BST?
What is the quality score of BST?
What is the revenue of Banca Sistema S.p.A (BST)?
What is the net profit margin of BST?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.