BFF Bank's Measured Growth Compared to Amex GBT's Rapid AI-Powered Expansion: Contrasting Strategies for Advancement

BFF Bank SpA shares climbed 1.29% after the company posted strong results for the third quarter of 2025, highlighted by a 33% year-over-year rise in adjusted net profit and an 8% increase in its loan portfolio, which reached €5.8 billion. The bank also revealed intentions to expand into France and Luxembourg, reflecting its confidence in pursuing international growth.

. Meanwhile, Global Business Travel (Amex GBT) saw its revenue grow by 13% and adjusted EBITDA rise by 9% in the same quarter, supported by the acquisition of CWT and continued strong demand for its travel services .

During BFF Bank's earnings call, management reported a 14% increase in adjusted net profit for the year to date, along with a reduction in the cost-to-income ratio to 46%, indicating improved operational performance.

The bank’s ongoing focus on expanding internationally, especially into France and Luxembourg, is expected to drive further growth. CEO Massimiliano Belingheri highlighted the bank’s return to “normal for the bank and all its stakeholders,” reinforcing investor trust in the company’s performance .

Amex GBT’s third quarter was characterized by $674 million in revenue, with travel-related revenue up 10% thanks to a 19% increase in transactions and a 23% jump in total transaction value. Adjusted EBITDA reached $128 million, and the company raised its full-year 2025 outlook, now expecting revenue to grow by about 12% and adjusted EBITDA to range from $523 million to $533 million. CEO Paul Abbott pointed to the CWT acquisition as a major driver, boosting revenue growth and broadening the shareholder base. The company also announced plans to leverage AI for productivity improvements and to form a new strategic partnership with SAP Concur to enhance its travel and expense offerings

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The differing results highlight distinct market trends. BFF Bank’s moderate share price increase reflects its emphasis on organic expansion and risk control, while Amex GBT’s revenue gains demonstrate the travel industry’s strength amid ongoing digital and AI-driven changes.

that both firms are addressing broader economic headwinds, with BFF Bank aiming for a medium-term strategy through 2026 and Amex GBT planning a 2026 investor day to present its long-term growth vision. , both companies are well-positioned for future growth.