POSTE ITALIANE SPA (7PI.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:7PI - IT0003796171 - Common Stock
20.59 EUR
-0.11 (-0.53%)
Overall 7PI gets a fundamental rating of 4 out of 10. We evaluated 7PI against 47 industry peers in the Insurance industry. While 7PI is still in line with the averages on profitability rating, there are concerns on its financial health. 7PI is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year 7PI was profitable.
7PI had a positive operating cash flow in the past year.
7PI had positive earnings in each of the past 5 years.
Each year in the past 5 years 7PI had a positive operating cash flow.
1.2 Ratios
The Return On Assets of 7PI (0.75%) is worse than 66.67% of its industry peers.
7PI's Return On Equity of 16.80% is fine compared to the rest of the industry. 7PI outperforms 70.83% of its industry peers.
With a Return On Invested Capital value of 0.76%, 7PI is not doing good in the industry: 60.42% of the companies in the same industry are doing better.
Measured over the past 3 years, the Average Return On Invested Capital for 7PI is in line with the industry average of 2.11%.
| 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
7PI has a Profit Margin of 16.06%. This is amongst the best in the industry. 7PI outperforms 91.67% of its industry peers.
In the last couple of years the Profit Margin of 7PI has grown nicely.
Looking at the Operating Margin, with a value of 20.44%, 7PI belongs to the top of the industry, outperforming 81.25% of the companies in the same industry.
7PI's Operating Margin has improved in the last couple of years.
With an excellent Gross Margin value of 71.26%, 7PI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
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
7PI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for 7PI remains at a similar level compared to 1 year ago.
Compared to 5 years ago, 7PI has less shares outstanding
The debt/assets ratio for 7PI is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.02, we must say that 7PI is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.02, 7PI is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
7PI has a debt to FCF ratio of 32.88. This is a negative value and a sign of low solvency as 7PI would need 32.88 years to pay back of all of its debts.
7PI has a worse Debt to FCF ratio (32.88) than 70.83% of its industry peers.
A Debt/Equity ratio of 6.14 is on the high side and indicates that 7PI has dependencies on debt financing.
With a Debt to Equity ratio value of 6.14, 7PI is not doing good in the industry: 91.67% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.14 | ||
| Debt/FCF | 32.88 | ||
| Altman-Z | 0.02 |
ROIC/WACC0.24
WACC3.23%
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.
7PI has a better Current ratio (0.54) than 77.08% of its industry peers.
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.
The Quick ratio of 7PI (0.54) is better than 77.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.54 | ||
| Quick Ratio | 0.54 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 28.66% over the past year.
7PI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.38% yearly.
Looking at the last year, 7PI shows a small growth in Revenue. The Revenue has grown by 6.59% in the last year.
7PI shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -16.83% yearly.
EPS 1Y (TTM)28.66%
EPS 3Y14.03%
EPS 5Y8.38%
EPS Q2Q%9.17%
Revenue 1Y (TTM)6.59%
Revenue growth 3Y4.83%
Revenue growth 5Y-16.83%
Sales Q2Q%4.53%
3.2 Future
The Earnings Per Share is expected to grow by 4.97% on average over the next years.
7PI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.86% yearly.
EPS Next Y-1.27%
EPS Next 2Y1.31%
EPS Next 3Y4%
EPS Next 5Y4.97%
Revenue Next Year4.96%
Revenue Next 2Y3.44%
Revenue Next 3Y3.11%
Revenue Next 5Y2.86%
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 accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.40, the valuation of 7PI can be described as very reasonable.
7PI's Price/Earnings ratio is a bit cheaper when compared to the industry. 7PI is cheaper than 77.08% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.31, 7PI is valued rather cheaply.
The Price/Forward Earnings ratio is 11.15, which indicates a very decent valuation of 7PI.
7PI's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of 7PI to the average of the S&P500 Index (36.59), we can say 7PI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.4 | ||
| Fwd PE | 11.15 |
4.2 Price Multiples
60.42% of the companies in the same industry are more expensive than 7PI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.85 | ||
| EV/EBITDA | -12.3 |
4.3 Compensation for Growth
The decent profitability rating of 7PI may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.24
EPS Next 2Y1.31%
EPS Next 3Y4%
5. Dividend
5.1 Amount
7PI has a Yearly Dividend Yield of 5.21%, which is a nice return.
7PI's Dividend Yield is a higher than the industry average which is at 4.44.
7PI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| 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
7PI pays out 66.00% of its income as dividend. This is not a sustainable payout ratio.
7PI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP66%
EPS Next 2Y1.31%
EPS Next 3Y4%
FRA:7PI (11/28/2025, 7:00:00 PM)
20.59
-0.11 (-0.53%)
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 Cap26.89B
Revenue(TTM)12.93B
Net Income(TTM)2.13B
Analysts72
Price Target21.2 (2.96%)
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)-2.48%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.02%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.19%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.4 | ||
| Fwd PE | 11.15 | ||
| P/S | 2.02 | ||
| P/FCF | 10.85 | ||
| P/OCF | 7.57 | ||
| P/B | 2.12 | ||
| P/tB | 2.54 | ||
| EV/EBITDA | -12.3 |
EPS(TTM)1.98
EY9.62%
EPS(NY)1.85
Fwd EY8.97%
FCF(TTM)1.9
FCFY9.22%
OCF(TTM)2.72
OCFY13.21%
SpS10.18
BVpS9.73
TBVpS8.12
PEG (NY)N/A
PEG (5Y)1.24
Graham Number20.82
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
WACC3.23%
ROIC/WACC0.24
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)28.66%
EPS 3Y14.03%
EPS 5Y8.38%
EPS Q2Q%9.17%
EPS Next Y-1.27%
EPS Next 2Y1.31%
EPS Next 3Y4%
EPS Next 5Y4.97%
Revenue 1Y (TTM)6.59%
Revenue growth 3Y4.83%
Revenue growth 5Y-16.83%
Sales Q2Q%4.53%
Revenue Next Year4.96%
Revenue Next 2Y3.44%
Revenue Next 3Y3.11%
Revenue Next 5Y2.86%
EBIT growth 1Y9.94%
EBIT growth 3Y16.33%
EBIT growth 5Y9.5%
EBIT Next Year43.26%
EBIT Next 3Y16.08%
EBIT Next 5Y13.5%
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 10.4 and the Price/Book (PB) ratio is 2.12.
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 -1.27% in the next year.