POSTE ITALIANE SPA (7PI.DE) Stock Fundamental Analysis
Europe - FRA:7PI - IT0003796171 - Common Stock
20.33 EUR
-0.18 (-0.88%)
We assign a fundamental rating of 4 out of 10 to 7PI. 7PI was compared to 40 industry peers in the Insurance industry. There are concerns on the financial health of 7PI while its profitability can be described as average. 7PI is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
7PI had positive earnings in the past year.
In the past year 7PI had a positive cash flow from operations.
Each year in the past 5 years 7PI has been profitable.
Each year in the past 5 years 7PI had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.75%, 7PI is not doing good in the industry: 62.50% of the companies in the same industry are doing better.
7PI has a better Return On Equity (16.80%) than 72.50% of its industry peers.
7PI has a worse Return On Invested Capital (0.76%) than 60.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for 7PI is in line with the industry average of 2.23%.
| 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's Profit Margin of 16.06% is amongst the best of the industry. 7PI outperforms 87.50% 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 82.50% 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 95.00% of the companies in the same industry.
7PI's Gross Margin has declined in the last couple of years.
| 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.
7PI has about the same amout of shares outstanding than it did 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
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 67.50% 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 70.00% of its industry peers.
7PI has a Debt/Equity ratio of 6.14. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of 7PI (6.14) is worse than 90.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.14 | ||
| Debt/FCF | 32.88 | ||
| Altman-Z | 0.02 |
ROIC/WACC0.23
WACC3.27%
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.
The Current ratio of 7PI (0.54) is better than 72.50% 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 72.50% 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 39.31% over the past year.
The Earnings Per Share has been growing by 8.38% on average over the past years. This is quite good.
7PI shows a small growth in Revenue. In the last year, the Revenue has grown by 6.59%.
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
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.
Based on estimates for the next years, 7PI will show a small growth in Revenue. The Revenue will grow by 2.59% on average per year.
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.
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
The Price/Earnings ratio is 10.53, which indicates a very decent valuation of 7PI.
Based on the Price/Earnings ratio, 7PI is valued a bit cheaper than 80.00% of the companies in the same industry.
7PI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.29.
7PI is valuated reasonably with a Price/Forward Earnings ratio of 11.04.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 7PI is on the same level as its industry peers.
7PI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.85, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.53 | ||
| Fwd PE | 11.04 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of 7PI is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.71 | ||
| EV/EBITDA | -12.39 |
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)1.26
EPS Next 2Y1.16%
EPS Next 3Y3.77%
5. Dividend
5.1 Amount
7PI has a Yearly Dividend Yield of 5.26%, which is a nice return.
Compared to an average industry Dividend Yield of 4.48, 7PI pays a bit more dividend than its industry peers.
7PI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.26% |
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 2Y1.16%
EPS Next 3Y3.77%
FRA:7PI (10/16/2025, 7:00:00 PM)
20.33
-0.18 (-0.88%)
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 Cap26.55B
Analysts72
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.26% |
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)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.08%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.3%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.53 | ||
| Fwd PE | 11.04 | ||
| P/S | 2 | ||
| P/FCF | 10.71 | ||
| P/OCF | 7.47 | ||
| P/B | 2.09 | ||
| P/tB | 2.5 | ||
| EV/EBITDA | -12.39 |
EPS(TTM)1.93
EY9.49%
EPS(NY)1.84
Fwd EY9.06%
FCF(TTM)1.9
FCFY9.34%
OCF(TTM)2.72
OCFY13.38%
SpS10.18
BVpS9.73
TBVpS8.12
PEG (NY)N/A
PEG (5Y)1.26
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 | 0.02 |
F-Score8
WACC3.27%
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-1.29%
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%