4BE Fundamental Analysis - BPER BANCA SPA

Fundamental Rating

Overall 4BE gets a fundamental rating of 2 out of 10. We evaluated 4BE against 102 industry peers in the Banks industry. Both the profitability and financial health of 4BE have multiple concerns. 4BE has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

4BE had positive earnings in the past year.

In the past year 4BE has reported a negative cash flow from operations.

Each year in the past 5 years 4BE has been profitable.

The reported operating cash flow has been mixed in the past 5 years: 4BE reported negative operating cash flow in multiple years.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.09%, 4BE is in the better half of the industry, outperforming 68.42% of the companies in the same industry.

Looking at the Return On Equity, with a value of 13.84%, 4BE is in the better half of the industry, outperforming 71.05% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.09%
ROE	13.84%
ROIC	N/A

ROA(3y)1.01%

ROA(5y)0.73%

ROE(3y)15.61%

ROE(5y)11.73%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

4BE has a Profit Margin of 25.86%. This is in the better half of the industry: 4BE outperforms 64.04% of its industry peers.

4BE's Profit Margin has improved in the last couple of years.

The Operating Margin and Gross Margin are not available for 4BE so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	25.86%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y28.67%

PM growth 5Y11.13%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

4BE does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for 4BE remains at a similar level compared to 1 year ago.

The number of shares outstanding for 4BE has been increased compared to 5 years ago.

Compared to 1 year ago, 4BE has a worse debt to assets ratio.

2.2 Solvency

A Debt/Equity ratio of 2.36 is on the high side and indicates that 4BE has dependencies on debt financing.

The Debt to Equity ratio of 4BE (2.36) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	2.36
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC6.06%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 2.36% over the past year.

4BE shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.13% yearly.

4BE shows a decrease in Revenue. In the last year, the revenue decreased by -2.04%.

Measured over the past years, 4BE shows a quite strong growth in Revenue. The Revenue has been growing by 16.87% on average per year.

EPS 1Y (TTM)2.36%

EPS 3Y37.89%

EPS 5Y14.13%

EPS Q2Q%65.08%

Revenue 1Y (TTM)-2.04%

Revenue growth 3Y7.83%

Revenue growth 5Y16.87%

Sales Q2Q%3.69%

3.2 Future

Based on estimates for the next years, 4BE will show a small growth in Earnings Per Share. The EPS will grow by 6.12% on average per year.

4BE is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.74% yearly.

EPS Next Y7.22%

EPS Next 2Y6.14%

EPS Next 3Y6.76%

EPS Next 5Y6.12%

Revenue Next Year16.46%

Revenue Next 2Y14.32%

Revenue Next 3Y10.2%

Revenue Next 5Y8.74%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.20, which indicates a correct valuation of 4BE.

The rest of the industry has a similar Price/Earnings ratio as 4BE.

4BE is valuated cheaply when we compare the Price/Earnings ratio to 26.60, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 10.83, which indicates a very decent valuation of 4BE.

70.18% of the companies in the same industry are more expensive than 4BE, based on the Price/Forward Earnings ratio.

4BE is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.23, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	12.2
Fwd PE	10.83

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

4BE's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.69

PEG (5Y)0.86

EPS Next 2Y6.14%

EPS Next 3Y6.76%

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5. Dividend

5.1 Amount

No dividends for 4BE!.

		Industry Rank	Sector Rank
Dividend Yield	0%

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BPER BANCA SPA

FRA:4BE (1/2/2026, 7:00:00 PM)

11.835

+1.12 (+10.45%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)11-05 2025-11-05

Earnings (Next)02-04 2026-02-04/amc

Inst Owners36.86%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap23.25B

Revenue(TTM)6.12B

Net Income(TTM)1.58B

Analysts84

Price Target11.57 (-2.24%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0%

Yearly Dividend0.32

Dividend Growth(5Y)25.71%

DP55.59%

Div Incr YearsN/A

Div Non Decr YearsN/A

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)0%

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)4.06%

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)3.44%

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	12.2
Fwd PE	10.83
P/S	3.8
P/FCF	N/A
P/OCF	N/A
P/B	2.03
P/tB	2.17
EV/EBITDA	N/A

EPS(TTM)0.97

EY8.2%

EPS(NY)1.09

Fwd EY9.23%

FCF(TTM)-0.31

FCFYN/A

OCF(TTM)-0.14

OCFYN/A

SpS3.11

BVpS5.82

TBVpS5.46

PEG (NY)1.69

PEG (5Y)0.86

Graham Number11.27

Profitability

		Industry Rank	Sector Rank
ROA	1.09%
ROE	13.84%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.86%
GM	N/A
FCFM	N/A

ROA(3y)1.01%

ROA(5y)0.73%

ROE(3y)15.61%

ROE(5y)11.73%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexgc growth 3YN/A

ROICexgc growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y28.67%

PM growth 5Y11.13%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	2.36
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	87.97%
Cap/Sales	5.49%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC6.06%

ROIC/WACCN/A

Cap/Depr(3y)116.85%

Cap/Depr(5y)110.82%

Cap/Sales(3y)6.27%

Cap/Sales(5y)6.54%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)2.36%

EPS 3Y37.89%

EPS 5Y14.13%

EPS Q2Q%65.08%

EPS Next Y7.22%

EPS Next 2Y6.14%

EPS Next 3Y6.76%

EPS Next 5Y6.12%

Revenue 1Y (TTM)-2.04%

Revenue growth 3Y7.83%

Revenue growth 5Y16.87%

Sales Q2Q%3.69%

Revenue Next Year16.46%

Revenue Next 2Y14.32%

Revenue Next 3Y10.2%

Revenue Next 5Y8.74%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-108.7%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-103.72%

OCF growth 3YN/A

OCF growth 5YN/A

BPER BANCA SPA / 4BE.DE FAQ

Can you provide the ChartMill fundamental rating for BPER BANCA SPA?

ChartMill assigns a fundamental rating of 2 / 10 to 4BE.DE.

What is the valuation status for 4BE stock?

ChartMill assigns a valuation rating of 4 / 10 to BPER BANCA SPA (4BE.DE). This can be considered as Fairly Valued.

What is the profitability of 4BE stock?

BPER BANCA SPA (4BE.DE) has a profitability rating of 3 / 10.

What is the earnings growth outlook for BPER BANCA SPA?

The Earnings per Share (EPS) of BPER BANCA SPA (4BE.DE) is expected to grow by 7.22% in the next year.

Can you provide the dividend sustainability for 4BE stock?

The dividend rating of BPER BANCA SPA (4BE.DE) is 0 / 10 and the dividend payout ratio is 55.59%.

BPER BANCA SPA (4BE.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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BPER BANCA SPA / 4BE.DE FAQ

Can you provide the ChartMill fundamental rating for BPER BANCA SPA?

What is the valuation status for 4BE stock?

What is the profitability of 4BE stock?

What is the earnings growth outlook for BPER BANCA SPA?

Can you provide the dividend sustainability for 4BE stock?