POSTE ITALIANE SPA (7PI.DE) Stock Fundamental Analysis
Europe - FRA:7PI - IT0003796171 - Common Stock
20.03 EUR
+0.15 (+0.75%)
Overall 7PI gets a fundamental rating of 4 out of 10. We evaluated 7PI against 43 industry peers in the Insurance industry. 7PI has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
In the past 5 years 7PI always reported a positive cash flow from operatings.
1.2 Ratios
7PI has a worse Return On Assets (0.75%) than 67.44% 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 72.09% of the companies in the same industry.
With a Return On Invested Capital value of 0.76%, 7PI is not doing good in the industry: 62.79% of the companies in the same industry are doing better.
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
7PI has a better Profit Margin (16.06%) than 88.37% 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 81.40% of its industry peers.
In the last couple of years the Operating Margin of 7PI has grown nicely.
7PI's Gross Margin of 71.26% is amongst the best of the industry. 7PI outperforms 97.67% 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 7PI is destroying value.
The number of shares outstanding for 7PI remains at a similar level compared to 1 year ago.
7PI has less shares outstanding than it did 5 years ago.
The debt/assets ratio for 7PI is higher compared to a year ago.
2.2 Solvency
7PI has an Altman-Z score of 0.01. This is a bad value and indicates that 7PI is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of 7PI (0.01) is better than 76.74% 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.
With a Debt to FCF ratio value of 32.88, 7PI is not doing good in the industry: 72.09% of the companies in the same industry are doing better.
7PI has a Debt/Equity ratio of 6.14. This is a high value indicating a heavy dependency on external financing.
7PI's Debt to Equity ratio of 6.14 is on the low side compared to the rest of the industry. 7PI is outperformed by 88.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.14 | ||
| Debt/FCF | 32.88 | ||
| Altman-Z | 0.01 |
ROIC/WACC0.23
WACC3.34%
2.3 Liquidity
A Current Ratio of 0.54 indicates that 7PI may have some problems paying its short term obligations.
The Current ratio of 7PI (0.54) is better than 76.74% of its industry peers.
A Quick Ratio of 0.54 indicates that 7PI may have some problems paying its short term obligations.
7PI's Quick ratio of 0.54 is fine compared to the rest of the industry. 7PI outperforms 76.74% of its industry peers.
| 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.
The Earnings Per Share has been growing by 8.38% on average over the past years. This is quite good.
The Revenue has been growing slightly by 6.59% in the past 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)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
The Earnings Per Share is expected to grow by 4.66% on average over the next years.
The Revenue is expected to grow by 2.68% on average over the next years.
EPS Next Y-1.37%
EPS Next 2Y0.96%
EPS Next 3Y3.72%
EPS Next 5Y4.66%
Revenue Next Year4.85%
Revenue Next 2Y3.29%
Revenue Next 3Y2.97%
Revenue Next 5Y2.68%
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
7PI is valuated reasonably with a Price/Earnings ratio of 10.38.
81.40% of the companies in the same industry are more expensive than 7PI, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.41, 7PI is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.92, the valuation of 7PI can be described as very reasonable.
7PI's Price/Forward Earnings ratio is in line with the industry average.
7PI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.38 | ||
| Fwd PE | 10.92 |
4.2 Price Multiples
7PI's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.55 | ||
| EV/EBITDA | -12.5 |
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 2Y0.96%
EPS Next 3Y3.72%
5. Dividend
5.1 Amount
No dividends for 7PI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:7PI (9/18/2025, 7:00:00 PM)
20.03
+0.15 (+0.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners9.46%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap26.16B
Analysts74.74
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
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)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 | 10.38 | ||
| Fwd PE | 10.92 | ||
| P/S | 1.97 | ||
| P/FCF | 10.55 | ||
| P/OCF | 7.36 | ||
| P/B | 2.06 | ||
| P/tB | 2.47 | ||
| EV/EBITDA | -12.5 |
EPS(TTM)1.93
EY9.64%
EPS(NY)1.83
Fwd EY9.16%
FCF(TTM)1.9
FCFY9.48%
OCF(TTM)2.72
OCFY13.58%
SpS10.18
BVpS9.73
TBVpS8.12
PEG (NY)N/A
PEG (5Y)1.24
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%
ROICexcg growth 3Y17.83%
ROICexcg 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 | 0.01 |
F-Score8
WACC3.34%
ROIC/WACC0.23
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-1.37%
EPS Next 2Y0.96%
EPS Next 3Y3.72%
EPS Next 5Y4.66%
Revenue 1Y (TTM)6.59%
Revenue growth 3Y4.83%
Revenue growth 5Y-16.83%
Sales Q2Q%5.36%
Revenue Next Year4.85%
Revenue Next 2Y3.29%
Revenue Next 3Y2.97%
Revenue Next 5Y2.68%
EBIT growth 1Y9.94%
EBIT growth 3Y16.33%
EBIT growth 5Y9.5%
EBIT Next Year39.1%
EBIT Next 3Y15.35%
EBIT Next 5Y13.33%
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%