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

FRA:4BE • IT0000066123

12.03 EUR
+0.22 (+1.86%)
Last: Feb 18, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Overall 4BE gets a fundamental rating of 3 out of 10. We evaluated 4BE against 110 industry peers in the Banks industry. 4BE has a bad profitability rating. Also its financial health evaluation is rather negative. 4BE is valied quite expensively at the moment, while it does show a decent growth rate. 4BE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

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.
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 0 5B 10B

1.2 Ratios

  • 4BE has a better Return On Assets (1.09%) than 65.45% of its industry peers.
  • 4BE has a Return On Equity of 13.84%. This is in the better half of the industry: 4BE outperforms 68.18% of its industry peers.
Industry RankSector 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
4BE.DE Yearly ROA, ROE, ROIC4BE.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • The Profit Margin of 4BE (25.86%) is better than 64.55% of its industry peers.
  • In the last couple of years the Profit Margin of 4BE has grown nicely.
  • 4BE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
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 5 10 15 20 25

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0

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.
  • Compared to 5 years ago, 4BE has more shares outstanding
  • Compared to 1 year ago, 4BE has a worse debt to assets ratio.
4BE.DE Yearly Shares Outstanding4BE.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B
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 50B 100B 150B

2.2 Solvency

  • A Debt/Equity ratio of 2.36 is on the high side and indicates that 4BE has dependencies on debt financing.
  • With a Debt to Equity ratio value of 2.36, 4BE is not doing good in the industry: 60.91% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.36
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.09%
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 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 2B 4B 6B

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

4

3. Growth

3.1 Past

  • The earnings per share for 4BE have decreased by -7.60% in the last year.
  • Measured over the past years, 4BE shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.13% on average per year.
  • The Revenue has been growing slightly by 0.11% in the past year.
  • 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)-7.6%
EPS 3Y37.89%
EPS 5Y14.13%
EPS Q2Q%155.56%
Revenue 1Y (TTM)0.11%
Revenue growth 3Y7.83%
Revenue growth 5Y16.87%
Sales Q2Q%26.43%

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.
  • Based on estimates for the next years, 4BE will show a small growth in Revenue. The Revenue will grow by 6.70% on average per year.
EPS Next Y8.97%
EPS Next 2Y6.09%
EPS Next 3Y6.79%
EPS Next 5Y6.12%
Revenue Next Year16.46%
Revenue Next 2Y14.32%
Revenue Next 3Y10.2%
Revenue Next 5Y6.7%

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
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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3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.40 indicates a correct valuation of 4BE.
  • 62.73% of the companies in the same industry are cheaper than 4BE, based on the Price/Earnings ratio.
  • 4BE is valuated cheaply when we compare the Price/Earnings ratio to 27.27, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 11.02, the valuation of 4BE can be described as reasonable.
  • 4BE's Price/Forward Earnings ratio is in line with the industry average.
  • 4BE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.16.
Industry RankSector Rank
PE 12.4
Fwd PE 11.02
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 0 2 4

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)1.38
PEG (5Y)0.88
EPS Next 2Y6.09%
EPS Next 3Y6.79%

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

7

5. Dividend

5.1 Amount

  • 4BE has a Yearly Dividend Yield of 6.12%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.33, 4BE pays a bit more dividend than its industry peers.
  • 4BE's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 6.12%

5.2 History

  • The dividend of 4BE is nicely growing with an annual growth rate of 25.71%!
Dividend Growth(5Y)25.71%
Div Incr YearsN/A
Div Non Decr YearsN/A
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 pays out 55.59% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • 4BE's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP55.59%
EPS Next 2Y6.09%
EPS Next 3Y6.79%
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 0 5B 10B
4BE.DE Dividend Payout.4BE.DE Dividend Payout, showing the Payout Ratio.4BE.DE Dividend Payout.PayoutRetained Earnings

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BPER BANCA SPA

FRA:4BE (2/18/2026, 7:00:00 PM)

12.03

+0.22 (+1.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03
Earnings (Next)05-06
Inst Owners32.29%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap23.63B
Revenue(TTM)5.98B
Net Income(TTM)1.58B
Analysts83.75
Price Target13.04 (8.4%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.12%
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)12.72%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.64%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 12.4
Fwd PE 11.02
P/S 3.86
P/FCF N/A
P/OCF N/A
P/B 2.07
P/tB 2.2
EV/EBITDA N/A
EPS(TTM)0.97
EY8.06%
EPS(NY)1.09
Fwd EY9.07%
FCF(TTM)-0.31
FCFYN/A
OCF(TTM)-0.14
OCFYN/A
SpS3.11
BVpS5.82
TBVpS5.46
PEG (NY)1.38
PEG (5Y)0.88
Graham Number11.27
Profitability
Industry RankSector 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 RankSector 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
WACC6.09%
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)-7.6%
EPS 3Y37.89%
EPS 5Y14.13%
EPS Q2Q%155.56%
EPS Next Y8.97%
EPS Next 2Y6.09%
EPS Next 3Y6.79%
EPS Next 5Y6.12%
Revenue 1Y (TTM)0.11%
Revenue growth 3Y7.83%
Revenue growth 5Y16.87%
Sales Q2Q%26.43%
Revenue Next Year16.46%
Revenue Next 2Y14.32%
Revenue Next 3Y10.2%
Revenue Next 5Y6.7%
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 3 / 10 to 4BE.DE.


What is the valuation status for 4BE stock?

ChartMill assigns a valuation rating of 3 / 10 to BPER BANCA SPA (4BE.DE). This can be considered as Overvalued.


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 8.97% in the next year.


Can you provide the dividend sustainability for 4BE stock?

The dividend rating of BPER BANCA SPA (4BE.DE) is 7 / 10 and the dividend payout ratio is 55.59%.