BPER BANCA SPA (4BE.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:4BE - IT0000066123 - Common Stock
11.78 EUR
+0.26 (+2.3%)
Overall 4BE gets a fundamental rating of 2 out of 10. We evaluated 4BE against 111 industry peers in the Banks industry. 4BE may be in some trouble as it scores bad on both profitability and health. 4BE is not valued too expensively and it also shows a decent growth rate.
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.
- 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 71.17% 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 73.87% 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 better Profit Margin (25.86%) than 66.67% 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
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
- 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 41.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.36 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.03%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- 4BE shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.36%.
- 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.
- Looking at the last year, 4BE shows a decrease in Revenue. The Revenue has decreased by -2.04% in the last 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.
- 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
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- 4BE is valuated correctly with a Price/Earnings ratio of 12.14.
- 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 27.32.
- Based on the Price/Forward Earnings ratio of 10.78, the valuation of 4BE can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of 4BE indicates a somewhat cheap valuation: 4BE is cheaper than 61.26% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.32. 4BE is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.14 | ||
| Fwd PE | 10.78 |
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)1.68
PEG (5Y)0.86
EPS Next 2Y6.14%
EPS Next 3Y6.76%
5. Dividend
5.1 Amount
- 4BE does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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%.