Banca Sistema S.p.A.
I · AI Analysis
The brief
The company provides factoring services that advance cash to businesses against their receivables, both recourse and non-recourse, along with VAT receivables and credit management [Yahoo Finance]. It also offers retail banking products including current accounts, time deposits, and salary-backed and pension-backed loans [Yahoo Finance]. The bank operates exclusively in Italy [Yahoo Finance].
Banca Sistema is a small Italian bank specializing in factoring (advancing cash against invoices) and salary-backed loans, employing about 215 people [Yahoo Finance]. As of March 2026, it operates as a subsidiary of Banca CF+ S.p.A. [Yahoo Finance]. The bank trades at a market capitalization of EUR 121.1 million [Yahoo Finance].
The bank reported negative operating margin but positive net income through 30 June 2026, though lack of scoring data limits our assessment [Yahoo Finance].
Sentinellis health
Not enough data to score
Profitability
Returns on capital
Growth & momentum
Balance sheet
Cash generation
Value creation
Sentinellis calculation from the published statements — not a score reported by any data source. Each category is scored on the checks that had data; missing inputs are excluded rather than counted as failures.
Market capitalisation
EUR 121.1M
Revenue (TTM)
EUR 145.7M
Explainers
How we read these numbers
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Revenue contracted sharply in the latest quarter, falling 36.8% year-over-year, signaling potential stress in the bank's core factoring and lending operations [Yahoo Finance].
Risks
5
Opportunities
3
Red flags
2
Leadership
10
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