4BE Fundamental Analysis - BPER BANCA SPA

Fundamental Rating

4BE gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 108 industry peers in the Banks industry. Both the profitability and financial health of 4BE have multiple concerns. 4BE has a correct valuation and a medium growth rate.

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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.

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.

1.2 Ratios

4BE has a better Return On Assets (1.09%) than 71.30% of its industry peers.

4BE's Return On Equity of 13.84% is fine compared to the rest of the industry. 4BE outperforms 71.30% of its industry peers.

		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 better Profit Margin (25.86%) than 65.74% of its industry peers.

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

4BE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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.

4BE has about the same amout of shares outstanding than it did 1 year ago.

4BE has more shares outstanding than it did 5 years ago.

4BE has a worse debt/assets ratio than last year.

2.2 Solvency

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

4BE has a Debt to Equity ratio of 2.36. This is comparable to the rest of the industry: 4BE outperforms 44.44% of its industry peers.

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

ROIC/WACCN/A

WACC5.82%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

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.

The Revenue has decreased by -2.04% in the past year.

The Revenue has been growing by 16.87% on average over the past years. This is quite good.

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 4.36% on average per year.

The Revenue is expected to grow by 8.10% on average over the next years. This is quite good.

EPS Next Y3.03%

EPS Next 2Y4.32%

EPS Next 3Y5.27%

EPS Next 5Y4.36%

Revenue Next Year12.59%

Revenue Next 2Y10.88%

Revenue Next 3Y8.01%

Revenue Next 5Y8.1%

3.3 Evolution

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

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

Based on the Price/Earnings ratio of 10.42, the valuation of 4BE can be described as reasonable.

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

4BE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.98.

A Price/Forward Earnings ratio of 9.57 indicates a reasonable valuation of 4BE.

Based on the Price/Forward Earnings ratio, 4BE is valued a bit cheaper than 69.44% of the companies in the same industry.

4BE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.79.

		Industry Rank	Sector Rank
PE	10.42
Fwd PE	9.57

4.2 Price Multiples

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

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)3.44

PEG (5Y)0.74

EPS Next 2Y4.32%

EPS Next 3Y5.27%

More info and screens

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5. Dividend

5.1 Amount

No dividends for 4BE!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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BPER BANCA SPA

FRA:4BE (11/24/2025, 7:00:00 PM)

10.105

+0.02 (+0.15%)

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 Owners27.41%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap19.85B

Revenue(TTM)6.12B

Net Income(TTM)1.58B

Analysts82.67

Price Target11.57 (14.5%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

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)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	10.42
Fwd PE	9.57
P/S	3.24
P/FCF	N/A
P/OCF	N/A
P/B	1.74
P/tB	1.85
EV/EBITDA	N/A

EPS(TTM)0.97

EY9.6%

EPS(NY)1.06

Fwd EY10.45%

FCF(TTM)-0.31

FCFYN/A

OCF(TTM)-0.14

OCFYN/A

SpS3.11

BVpS5.82

TBVpS5.46

PEG (NY)3.44

PEG (5Y)0.74

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

WACC5.82%

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 Y3.03%

EPS Next 2Y4.32%

EPS Next 3Y5.27%

EPS Next 5Y4.36%

Revenue 1Y (TTM)-2.04%

Revenue growth 3Y7.83%

Revenue growth 5Y16.87%

Sales Q2Q%3.69%

Revenue Next Year12.59%

Revenue Next 2Y10.88%

Revenue Next 3Y8.01%

Revenue Next 5Y8.1%

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 of BPER BANCA SPA (4BE.DE) stock?

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

How profitable is BPER BANCA SPA (4BE.DE) stock?

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

How financially healthy is BPER BANCA SPA?

The financial health rating of BPER BANCA SPA (4BE.DE) is 0 / 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 3.03% in the next year.

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

More info and screens

BPER BANCA SPA / 4BE.DE FAQ

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

What is the valuation status of BPER BANCA SPA (4BE.DE) stock?

How profitable is BPER BANCA SPA (4BE.DE) stock?

How financially healthy is BPER BANCA SPA?

What is the earnings growth outlook for BPER BANCA SPA?