BPER BANCA SPA (4BE.DE) Fundamental Analysis & Valuation

FRA:4BE • IT0000066123

Current stock price

11.155 EUR
+0.29 (+2.72%)
Last:

This 4BE.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. 4BE.DE Profitability Analysis

1.1 Basic Checks

  • In the past year 4BE was profitable.
  • 4BE had positive earnings in each of the past 5 years.
  • In multiple years 4BE reported negative operating cash flow during the last 5 years.
4BE.DE Yearly Net Income VS EBIT VS OCF VS FCF4BE.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B

1.2 Ratios

  • 4BE has a Return On Assets (0.89%) which is comparable to the rest of the industry.
  • 4BE has a Return On Equity (10.98%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.89%
ROE 10.98%
ROIC N/A
ROA(3y)0.99%
ROA(5y)0.86%
ROE(3y)13.18%
ROE(5y)13.13%
ROIC(3y)N/A
ROIC(5y)N/A
4BE.DE Yearly ROA, ROE, ROIC4BE.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • 4BE's Profit Margin of 26.05% is fine compared to the rest of the industry. 4BE outperforms 66.04% of its industry peers.
  • In the last couple of years the Profit Margin of 4BE has grown nicely.
  • The Operating Margin and Gross Margin are not available for 4BE so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.05%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.96%
PM growth 5Y23.56%
GM growth 3YN/A
GM growth 5YN/A
4BE.DE Yearly Profit, Operating, Gross Margins4BE.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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1

2. 4BE.DE Health Analysis

2.1 Basic Checks

  • 4BE does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, 4BE has more shares outstanding
  • The number of shares outstanding for 4BE has been increased compared to 5 years ago.
  • Compared to 1 year ago, 4BE has an improved debt to assets ratio.
4BE.DE Yearly Shares Outstanding4BE.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
4BE.DE Yearly Total Debt VS Total Assets4BE.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B

2.2 Solvency

  • A Debt/Equity ratio of 0.87 indicates that 4BE is somewhat dependend on debt financing.
  • The Debt to Equity ratio of 4BE (0.87) is better than 73.58% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.94%
4BE.DE Yearly LT Debt VS Equity VS FCF4BE.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
4BE.DE Yearly Current Assets VS Current Liabilites4BE.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. 4BE.DE Growth Analysis

3.1 Past

  • 4BE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.54%, which is quite impressive.
  • The Earnings Per Share has been growing by 14.13% on average over the past years. This is quite good.
  • The Revenue has grown by 13.91% in the past year. This is quite good.
  • 4BE shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.87% yearly.
EPS 1Y (TTM)23.54%
EPS 3Y37.89%
EPS 5Y14.13%
EPS Q2Q%155.56%
Revenue 1Y (TTM)13.91%
Revenue growth 3Y7.83%
Revenue growth 5Y16.87%
Sales Q2Q%26.43%

3.2 Future

  • 4BE is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.93% yearly.
  • Based on estimates for the next years, 4BE will show a quite strong growth in Revenue. The Revenue will grow by 8.04% on average per year.
EPS Next Y8.73%
EPS Next 2Y8.08%
EPS Next 3Y8.5%
EPS Next 5Y7.93%
Revenue Next Year17.16%
Revenue Next 2Y15.59%
Revenue Next 3Y11.24%
Revenue Next 5Y8.04%

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.
4BE.DE Yearly Revenue VS Estimates4BE.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B 8B
4BE.DE Yearly EPS VS Estimates4BE.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.2 0.4 0.6 0.8 1

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4

4. 4BE.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.50, the valuation of 4BE can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of 4BE indicates a slightly more expensive valuation: 4BE is more expensive than 64.15% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.17, 4BE is valued rather cheaply.
  • 4BE is valuated reasonably with a Price/Forward Earnings ratio of 9.85.
  • Based on the Price/Forward Earnings ratio, 4BE is valued a bit cheaper than the industry average as 65.09% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 23.05. 4BE is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.5
Fwd PE 9.85
4BE.DE Price Earnings VS Forward Price Earnings4BE.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
4BE.DE Per share data4BE.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.32
PEG (5Y)0.81
EPS Next 2Y8.08%
EPS Next 3Y8.5%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. 4BE.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.07%, 4BE is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.88, 4BE pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, 4BE pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.07%

5.2 History

  • On average, the dividend of 4BE grows each year by 25.71%, which is quite nice.
Dividend Growth(5Y)25.71%
Div Incr Years0
Div Non Decr Years0
4BE.DE Yearly Dividends per share4BE.DE Yearly Dividends per shareYearly Dividends per share 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 4BE's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y8.08%
EPS Next 3Y8.5%
4BE.DE Yearly Income VS Free CF VS Dividend4BE.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B

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4BE.DE Fundamentals: All Metrics, Ratios and Statistics

BPER BANCA SPA

FRA:4BE (3/31/2026, 7:00:00 PM)

11.155

+0.29 (+2.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03
Earnings (Next)05-06
Inst Owners39.91%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap21.91B
Revenue(TTM)6.98B
Net Income(TTM)1.82B
Analysts82.35
Price Target13.93 (24.88%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.07%
Yearly Dividend0.32
Dividend Growth(5Y)25.71%
DP0%
Div Incr Years0
Div Non Decr Years0
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)20.47%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)3.68%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)2.23%
Valuation
Industry RankSector Rank
PE 11.5
Fwd PE 9.85
P/S 3.14
P/FCF N/A
P/OCF N/A
P/B 1.32
P/tB 1.47
EV/EBITDA N/A
EPS(TTM)0.97
EY8.7%
EPS(NY)1.13
Fwd EY10.16%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.55
BVpS8.43
TBVpS7.61
PEG (NY)1.32
PEG (5Y)0.81
Graham Number13.57
Profitability
Industry RankSector Rank
ROA 0.89%
ROE 10.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.05%
GM N/A
FCFM N/A
ROA(3y)0.99%
ROA(5y)0.86%
ROE(3y)13.18%
ROE(5y)13.13%
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 3Y-1.96%
PM growth 5Y23.56%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
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-ScoreN/A
WACC5.94%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)23.54%
EPS 3Y37.89%
EPS 5Y14.13%
EPS Q2Q%155.56%
EPS Next Y8.73%
EPS Next 2Y8.08%
EPS Next 3Y8.5%
EPS Next 5Y7.93%
Revenue 1Y (TTM)13.91%
Revenue growth 3Y7.83%
Revenue growth 5Y16.87%
Sales Q2Q%26.43%
Revenue Next Year17.16%
Revenue Next 2Y15.59%
Revenue Next 3Y11.24%
Revenue Next 5Y8.04%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-2.86%
EBIT Next 3Y3.73%
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

BPER BANCA SPA / 4BE.DE Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 3 / 10 to 4BE.DE.


Can you provide the valuation status for BPER BANCA SPA?

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


Can you provide the profitability details for BPER BANCA SPA?

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


What are the PE and PB ratios of BPER BANCA SPA (4BE.DE) stock?

The Price/Earnings (PE) ratio for BPER BANCA SPA (4BE.DE) is 11.5 and the Price/Book (PB) ratio is 1.32.


What is the financial health of BPER BANCA SPA (4BE.DE) stock?

The financial health rating of BPER BANCA SPA (4BE.DE) is 1 / 10.