POSTE ITALIANE SPA (7PI.DE) Stock Fundamental Analysis
Europe - FRA:7PI - IT0003796171 - Common Stock
20.75 EUR
-0.02 (-0.1%)
7PI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 39 industry peers in the Insurance industry. 7PI has an excellent profitability rating, but there are concerns on its financial health. 7PI has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
7PI had positive earnings in the past year.
7PI had a positive operating cash flow in the past year.
Each year in the past 5 years 7PI has been profitable.
In the past 5 years 7PI always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of 7PI (0.75%) is worse than 64.10% of its industry peers.
Looking at the Return On Equity, with a value of 16.80%, 7PI is in the better half of the industry, outperforming 71.79% of the companies in the same industry.
The Return On Invested Capital of 7PI (0.76%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for 7PI is in line with the industry average of 2.26%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.75% | ||
| ROE | 16.8% | ||
| ROIC | 0.76% |
ROA(3y)0.68%
ROA(5y)0.61%
ROE(3y)18.66%
ROE(5y)16.11%
ROIC(3y)0.89%
ROIC(5y)0.76%
1.3 Margins
The Profit Margin of 7PI (16.06%) is better than 87.18% of its industry peers.
In the last couple of years the Profit Margin of 7PI has grown nicely.
7PI has a Operating Margin of 20.44%. This is amongst the best in the industry. 7PI outperforms 82.05% of its industry peers.
7PI's Operating Margin has improved in the last couple of years.
The Gross Margin of 7PI (71.26%) is better than 94.87% of its industry peers.
In the last couple of years the Gross Margin of 7PI has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.44% | ||
| PM (TTM) | 16.06% | ||
| GM | 71.26% |
OM growth 3Y10.96%
OM growth 5Y31.66%
PM growth 3Y3.13%
PM growth 5Y30.15%
GM growth 3Y-2.09%
GM growth 5Y-5.18%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 7PI is destroying value.
Compared to 1 year ago, 7PI has about the same amount of shares outstanding.
7PI has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, 7PI has a worse debt to assets ratio.
2.2 Solvency
7PI has an Altman-Z score of 0.02. This is a bad value and indicates that 7PI is not financially healthy and even has some risk of bankruptcy.
7PI has a better Altman-Z score (0.02) than 71.79% of its industry peers.
The Debt to FCF ratio of 7PI is 32.88, which is on the high side as it means it would take 7PI, 32.88 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 32.88, 7PI is doing worse than 71.79% of the companies in the same industry.
A Debt/Equity ratio of 6.14 is on the high side and indicates that 7PI has dependencies on debt financing.
The Debt to Equity ratio of 7PI (6.14) is worse than 92.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.14 | ||
| Debt/FCF | 32.88 | ||
| Altman-Z | 0.02 |
ROIC/WACC0.25
WACC3.05%
2.3 Liquidity
7PI has a Current Ratio of 0.54. This is a bad value and indicates that 7PI is not financially healthy enough and could expect problems in meeting its short term obligations.
With a decent Current ratio value of 0.54, 7PI is doing good in the industry, outperforming 74.36% of the companies in the same industry.
7PI has a Quick Ratio of 0.54. This is a bad value and indicates that 7PI is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.54, 7PI is in the better half of the industry, outperforming 74.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.54 | ||
| Quick Ratio | 0.54 |
3. Growth
3.1 Past
7PI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 39.31%, which is quite impressive.
7PI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.38% yearly.
7PI shows a small growth in Revenue. In the last year, the Revenue has grown by 6.59%.
Measured over the past years, 7PI shows a very negative growth in Revenue. The Revenue has been decreasing by -16.83% on average per year.
EPS 1Y (TTM)39.31%
EPS 3Y14.03%
EPS 5Y8.38%
EPS Q2Q%12.22%
Revenue 1Y (TTM)6.59%
Revenue growth 3Y4.83%
Revenue growth 5Y-16.83%
Sales Q2Q%5.36%
3.2 Future
Based on estimates for the next years, 7PI will show a small growth in Earnings Per Share. The EPS will grow by 4.57% on average per year.
The Revenue is expected to grow by 2.59% on average over the next years.
EPS Next Y-1.29%
EPS Next 2Y1.16%
EPS Next 3Y3.77%
EPS Next 5Y4.57%
Revenue Next Year5.16%
Revenue Next 2Y3.47%
Revenue Next 3Y3.12%
Revenue Next 5Y2.59%
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.75, the valuation of 7PI can be described as very reasonable.
Based on the Price/Earnings ratio, 7PI is valued a bit cheaper than 74.36% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.83, 7PI is valued rather cheaply.
With a Price/Forward Earnings ratio of 11.26, the valuation of 7PI can be described as very reasonable.
7PI's Price/Forward Earnings is on the same level as the industry average.
7PI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 32.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.75 | ||
| Fwd PE | 11.26 |
4.2 Price Multiples
7PI's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.93 | ||
| EV/EBITDA | -12.24 |
4.3 Compensation for Growth
7PI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.28
EPS Next 2Y1.16%
EPS Next 3Y3.77%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.21%, 7PI is a good candidate for dividend investing.
7PI's Dividend Yield is a higher than the industry average which is at 4.51.
Compared to an average S&P500 Dividend Yield of 2.39, 7PI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.21% |
5.2 History
On average, the dividend of 7PI grows each year by 8.66%, which is quite nice.
Dividend Growth(5Y)8.66%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
66.00% of the earnings are spent on dividend by 7PI. This is not a sustainable payout ratio.
The dividend of 7PI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP66%
EPS Next 2Y1.16%
EPS Next 3Y3.77%
FRA:7PI (11/7/2025, 7:00:00 PM)
20.75
-0.02 (-0.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners11.11%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap27.10B
Revenue(TTM)13.30B
Net Income(TTM)2.13B
Analysts72
Price Target20.5 (-1.2%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.21% |
Yearly Dividend0.9
Dividend Growth(5Y)8.66%
DP66%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.33%
Min EPS beat(2)5.7%
Max EPS beat(2)12.95%
EPS beat(4)4
Avg EPS beat(4)22.07%
Min EPS beat(4)5.7%
Max EPS beat(4)59.68%
EPS beat(8)6
Avg EPS beat(8)12.34%
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)2
Avg Revenue beat(2)3.56%
Min Revenue beat(2)2.83%
Max Revenue beat(2)4.28%
Revenue beat(4)4
Avg Revenue beat(4)3.9%
Min Revenue beat(4)1.88%
Max Revenue beat(4)6.59%
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)-5.34%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)-1.92%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.75 | ||
| Fwd PE | 11.26 | ||
| P/S | 2.04 | ||
| P/FCF | 10.93 | ||
| P/OCF | 7.63 | ||
| P/B | 2.13 | ||
| P/tB | 2.56 | ||
| EV/EBITDA | -12.24 |
EPS(TTM)1.93
EY9.3%
EPS(NY)1.84
Fwd EY8.88%
FCF(TTM)1.9
FCFY9.15%
OCF(TTM)2.72
OCFY13.11%
SpS10.18
BVpS9.73
TBVpS8.12
PEG (NY)N/A
PEG (5Y)1.28
Graham Number20.55
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.75% | ||
| ROE | 16.8% | ||
| ROCE | 1.44% | ||
| ROIC | 0.76% | ||
| ROICexc | 0.92% | ||
| ROICexgc | 0.93% | ||
| OM | 20.44% | ||
| PM (TTM) | 16.06% | ||
| GM | 71.26% | ||
| FCFM | 18.64% |
ROA(3y)0.68%
ROA(5y)0.61%
ROE(3y)18.66%
ROE(5y)16.11%
ROIC(3y)0.89%
ROIC(5y)0.76%
ROICexc(3y)1.12%
ROICexc(5y)0.96%
ROICexgc(3y)1.13%
ROICexgc(5y)0.97%
ROCE(3y)1.48%
ROCE(5y)1.24%
ROICexgc growth 3Y17.83%
ROICexgc growth 5Y19.21%
ROICexc growth 3Y17.47%
ROICexc growth 5Y18.92%
OM growth 3Y10.96%
OM growth 5Y31.66%
PM growth 3Y3.13%
PM growth 5Y30.15%
GM growth 3Y-2.09%
GM growth 5Y-5.18%
F-Score8
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.14 | ||
| Debt/FCF | 32.88 | ||
| Debt/EBITDA | 21.18 | ||
| Cap/Depr | 110.95% | ||
| Cap/Sales | 8.08% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 96.39% | ||
| Profit Quality | 116.11% | ||
| Current Ratio | 0.54 | ||
| Quick Ratio | 0.54 | ||
| Altman-Z | 0.02 |
F-Score8
WACC3.05%
ROIC/WACC0.25
Cap/Depr(3y)99.13%
Cap/Depr(5y)97.97%
Cap/Sales(3y)7.18%
Cap/Sales(5y)6.95%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)39.31%
EPS 3Y14.03%
EPS 5Y8.38%
EPS Q2Q%12.22%
EPS Next Y-1.29%
EPS Next 2Y1.16%
EPS Next 3Y3.77%
EPS Next 5Y4.57%
Revenue 1Y (TTM)6.59%
Revenue growth 3Y4.83%
Revenue growth 5Y-16.83%
Sales Q2Q%5.36%
Revenue Next Year5.16%
Revenue Next 2Y3.47%
Revenue Next 3Y3.12%
Revenue Next 5Y2.59%
EBIT growth 1Y9.94%
EBIT growth 3Y16.33%
EBIT growth 5Y9.5%
EBIT Next Year43.26%
EBIT Next 3Y16.08%
EBIT Next 5Y13.06%
FCF growth 1Y82.41%
FCF growth 3Y-17.37%
FCF growth 5Y37.99%
OCF growth 1Y61.87%
OCF growth 3Y-11.5%
OCF growth 5Y20.97%
POSTE ITALIANE SPA / 7PI.DE FAQ
What is the fundamental rating for 7PI stock?
ChartMill assigns a fundamental rating of 5 / 10 to 7PI.DE.
Can you provide the valuation status for POSTE ITALIANE SPA?
ChartMill assigns a valuation rating of 5 / 10 to POSTE ITALIANE SPA (7PI.DE). This can be considered as Fairly Valued.
What is the profitability of 7PI stock?
POSTE ITALIANE SPA (7PI.DE) has a profitability rating of 7 / 10.
What is the valuation of POSTE ITALIANE SPA based on its PE and PB ratios?
The Price/Earnings (PE) ratio for POSTE ITALIANE SPA (7PI.DE) is 10.75 and the Price/Book (PB) ratio is 2.13.
Can you provide the expected EPS growth for 7PI stock?
The Earnings per Share (EPS) of POSTE ITALIANE SPA (7PI.DE) is expected to decline by -1.29% in the next year.