POSTE ITALIANE SPA (7PI.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:7PI - IT0003796171 - Common Stock
22.08 EUR
+0.15 (+0.68%)
We assign a fundamental rating of 4 out of 10 to 7PI. 7PI was compared to 58 industry peers in the Financial Services industry. There are concerns on the financial health of 7PI while its profitability can be described as average. 7PI has a decent growth rate and is not valued too expensively. Finally 7PI also has an excellent dividend rating.
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.
- 7PI had positive earnings in each of the past 5 years.
- 7PI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- 7PI has a Return On Assets of 0.76%. This is comparable to the rest of the industry: 7PI outperforms 46.55% of its industry peers.
- 7PI has a better Return On Equity (16.35%) than 77.59% of its industry peers.
- The Return On Invested Capital of 7PI (1.08%) is worse than 60.34% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for 7PI is significantly below the industry average of 8.80%.
- The 3 year average ROIC (0.89%) for 7PI is below the current ROIC(1.08%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 16.35% | ||
| ROIC | 1.08% |
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 16.12% is fine compared to the rest of the industry. 7PI outperforms 63.79% 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 20.70%, 7PI is in the better half of the industry, outperforming 68.97% of the companies in the same industry.
- 7PI's Operating Margin has improved in the last couple of years.
- With a decent Gross Margin value of 70.85%, 7PI is doing good in the industry, outperforming 72.41% of the companies in the same industry.
- 7PI's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.7% | ||
| PM (TTM) | 16.12% | ||
| GM | 70.85% |
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.
- 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
- Compared to 1 year ago, 7PI has a worse debt to assets ratio.
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.
- 7PI has a worse Altman-Z score (0.01) than 72.41% of its industry peers.
- 7PI has a debt to FCF ratio of 46.28. This is a negative value and a sign of low solvency as 7PI would need 46.28 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 46.28, 7PI is doing worse than 68.97% of the companies in the same industry.
- A Debt/Equity ratio of 0.46 indicates that 7PI is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.46, 7PI is in line with its industry, outperforming 55.17% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 46.28 | ||
| Altman-Z | 0.01 |
ROIC/WACC0.3
WACC3.63%
2.3 Liquidity
- A Current Ratio of 0.50 indicates that 7PI may have some problems paying its short term obligations.
- 7PI has a Current ratio of 0.50. This is in the lower half of the industry: 7PI underperforms 75.86% of its industry peers.
- 7PI has a Quick Ratio of 0.50. 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 Quick ratio of 0.50. This is in the lower half of the industry: 7PI underperforms 75.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.5 | ||
| Quick Ratio | 0.5 |
3. Growth
3.1 Past
- 7PI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.66%, which is quite impressive.
- Measured over the past years, 7PI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.38% on average per year.
- 7PI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -13.44%.
- 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)28.66%
EPS 3Y14.03%
EPS 5Y8.38%
EPS Q2Q%9.17%
Revenue 1Y (TTM)-13.44%
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 4.67% 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 2.62% yearly.
EPS Next Y-1.54%
EPS Next 2Y1.47%
EPS Next 3Y4.04%
EPS Next 5Y4.67%
Revenue Next Year4.94%
Revenue Next 2Y3.5%
Revenue Next 3Y3.18%
Revenue Next 5Y2.62%
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
- Based on the Price/Earnings ratio of 11.15, the valuation of 7PI can be described as reasonable.
- 7PI's Price/Earnings ratio is a bit cheaper when compared to the industry. 7PI is cheaper than 68.97% of the companies in the same industry.
- 7PI is valuated cheaply when we compare the Price/Earnings ratio to 27.33, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 11.91, which indicates a very decent valuation of 7PI.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of 7PI is on the same level as its industry peers.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.12, 7PI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.15 | ||
| Fwd PE | 11.91 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as 7PI.
- 7PI's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.72 | ||
| EV/EBITDA | 33.49 |
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)1.33
EPS Next 2Y1.47%
EPS Next 3Y4.04%
5. Dividend
5.1 Amount
- 7PI has a Yearly Dividend Yield of 4.82%, which is a nice return.
- 7PI's Dividend Yield is rather good when compared to the industry average which is at 1.97. 7PI pays more dividend than 86.21% of the companies in the same industry.
- 7PI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.82% |
5.2 History
- The dividend of 7PI is nicely growing with an annual growth rate of 8.66%!
Dividend Growth(5Y)8.66%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
- 7PI pays out 65.05% of its income as dividend. 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.
DP65.05%
EPS Next 2Y1.47%
EPS Next 3Y4.04%
FRA:7PI (1/13/2026, 7:00:00 PM)
22.08
+0.15 (+0.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-13 2025-11-13/bmo
Earnings (Next)02-19 2026-02-19/amc
Inst Owners11.34%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap28.84B
Revenue(TTM)13.44B
Net Income(TTM)2.17B
Analysts70.48
Price Target22.05 (-0.14%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.82% |
Yearly Dividend0.9
Dividend Growth(5Y)8.66%
DP65.05%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.4%
Min EPS beat(2)5.7%
Max EPS beat(2)9.09%
EPS beat(4)4
Avg EPS beat(4)21.86%
Min EPS beat(4)5.7%
Max EPS beat(4)59.68%
EPS beat(8)7
Avg EPS beat(8)13.77%
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)2.47%
Min Revenue beat(2)2.12%
Max Revenue beat(2)2.83%
Revenue beat(4)4
Avg Revenue beat(4)3.95%
Min Revenue beat(4)2.12%
Max Revenue beat(4)6.59%
Revenue beat(8)8
Avg Revenue beat(8)14.53%
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)4.03%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.57%
EPS NY rev (1m)-0.19%
EPS NY rev (3m)-0.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.28%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)-0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.15 | ||
| Fwd PE | 11.91 | ||
| P/S | 2.15 | ||
| P/FCF | 13.72 | ||
| P/OCF | 8.85 | ||
| P/B | 2.18 | ||
| P/tB | 2.58 | ||
| EV/EBITDA | 33.49 |
EPS(TTM)1.98
EY8.97%
EPS(NY)1.85
Fwd EY8.39%
FCF(TTM)1.61
FCFY7.29%
OCF(TTM)2.49
OCFY11.29%
SpS10.29
BVpS10.14
TBVpS8.54
PEG (NY)N/A
PEG (5Y)1.33
Graham Number21.25
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 16.35% | ||
| ROCE | 1.47% | ||
| ROIC | 1.08% | ||
| ROICexc | 1.08% | ||
| ROICexgc | 1.09% | ||
| OM | 20.7% | ||
| PM (TTM) | 16.12% | ||
| GM | 70.85% | ||
| FCFM | 15.64% |
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-Score5
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 46.28 | ||
| Debt/EBITDA | 1.63 | ||
| Cap/Depr | 117.38% | ||
| Cap/Sales | 8.59% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 86.48% | ||
| Profit Quality | 97.05% | ||
| Current Ratio | 0.5 | ||
| Quick Ratio | 0.5 | ||
| Altman-Z | 0.01 |
F-Score5
WACC3.63%
ROIC/WACC0.3
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-1.54%
EPS Next 2Y1.47%
EPS Next 3Y4.04%
EPS Next 5Y4.67%
Revenue 1Y (TTM)-13.44%
Revenue growth 3Y4.83%
Revenue growth 5Y-16.83%
Sales Q2Q%4.53%
Revenue Next Year4.94%
Revenue Next 2Y3.5%
Revenue Next 3Y3.18%
Revenue Next 5Y2.62%
EBIT growth 1Y-15.21%
EBIT growth 3Y16.33%
EBIT growth 5Y9.5%
EBIT Next Year43.85%
EBIT Next 3Y16.56%
EBIT Next 5Y13.5%
FCF growth 1Y179.52%
FCF growth 3Y-17.37%
FCF growth 5Y37.99%
OCF growth 1Y110.81%
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 4 / 10 to 7PI.DE.
What is the valuation status of POSTE ITALIANE SPA (7PI.DE) stock?
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 6 / 10.
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 -1.54% in the next year.
Is the dividend of POSTE ITALIANE SPA sustainable?
The dividend rating of POSTE ITALIANE SPA (7PI.DE) is 7 / 10 and the dividend payout ratio is 65.05%.