4BE Fundamental Analysis - BPER BANCA SPA

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to 4BE. 4BE was compared to 118 industry peers in the Banks industry. 4BE has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, 4BE is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

In the past year 4BE was profitable.

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

In the past 5 years 4BE has always been profitable.

In multiple years 4BE reported negative operating cash flow during the last 5 years.

1.2 Ratios

4BE's Return On Assets of 1.09% is fine compared to the rest of the industry. 4BE outperforms 70.34% of its industry peers.

The Return On Equity of 4BE (13.84%) is better than 72.88% 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

Looking at the Profit Margin, with a value of 25.86%, 4BE is in the better half of the industry, outperforming 63.56% of the companies in the same industry.

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 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.

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.

4BE has a worse Debt to Equity ratio (2.36) than 60.17% of its industry peers.

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

ROIC/WACCN/A

WACC6%

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

4BE is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.12% yearly.

Based on estimates for the next years, 4BE will show a quite strong growth in Revenue. The Revenue will grow by 8.74% on average per year.

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

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

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

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4. Valuation

4.1 Price/Earnings Ratio

4BE is valuated correctly with a Price/Earnings ratio of 12.31.

Based on the Price/Earnings ratio, 4BE is valued a bit more expensive than the industry average as 63.56% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Earnings ratio of 27.25, 4BE is valued rather cheaply.

The Price/Forward Earnings ratio is 10.93, which indicates a very decent valuation of 4BE.

4BE's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. 4BE is cheaper than 61.02% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of 4BE to the average of the S&P500 Index (23.98), we can say 4BE is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.31
Fwd PE	10.93

4.2 Price Multiples

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

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)1.71

PEG (5Y)0.87

EPS Next 2Y6.14%

EPS Next 3Y6.76%

More info and screens

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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 (1/12/2026, 7:00:00 PM)

11.94

-0.08 (-0.67%)

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 Owners32.29%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap23.45B

Revenue(TTM)6.12B

Net Income(TTM)1.58B

Analysts84

Price Target11.57 (-3.1%)

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)0.68%

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.23%

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	12.31
Fwd PE	10.93
P/S	3.83
P/FCF	N/A
P/OCF	N/A
P/B	2.05
P/tB	2.19
EV/EBITDA	N/A

EPS(TTM)0.97

EY8.12%

EPS(NY)1.09

Fwd EY9.15%

FCF(TTM)-0.31

FCFYN/A

OCF(TTM)-0.14

OCFYN/A

SpS3.11

BVpS5.82

TBVpS5.46

PEG (NY)1.71

PEG (5Y)0.87

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%

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 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 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

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 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?