BANCO BPM SPA (BAMI.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:BAMI - IT0005218380 - Common Stock
13.195 EUR
+0.18 (+1.34%)
We assign a fundamental rating of 4 out of 10 to BAMI. BAMI was compared to 102 industry peers in the Banks industry. BAMI has a medium profitability rating, but doesn't score so well on its financial health evaluation. BAMI has a decent growth rate and is not valued too expensively. Finally BAMI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
BAMI had positive earnings in the past year.
BAMI had a positive operating cash flow in the past year.
Each year in the past 5 years BAMI has been profitable.
In multiple years BAMI reported negative operating cash flow during the last 5 years.
1.2 Ratios
BAMI's Return On Assets of 1.82% is amongst the best of the industry. BAMI outperforms 90.20% of its industry peers.
The Return On Equity of BAMI (25.17%) is better than 98.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.82% | ||
| ROE | 25.17% | ||
| ROIC | N/A |
ROA(3y)0.65%
ROA(5y)0.45%
ROE(3y)9.14%
ROE(5y)6.39%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BAMI's Profit Margin of 24.87% is fine compared to the rest of the industry. BAMI outperforms 60.78% of its industry peers.
BAMI's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for BAMI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.87% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.18%
PM growth 5Y1.2%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BAMI does not have a ROIC to compare to the WACC, probably because it is not profitable.
BAMI has less shares outstanding than it did 1 year ago.
The number of shares outstanding for BAMI has been reduced compared to 5 years ago.
BAMI has a worse debt/assets ratio than last year.
2.2 Solvency
BAMI has a debt to FCF ratio of 10.74. This is a negative value and a sign of low solvency as BAMI would need 10.74 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 10.74, BAMI is doing good in the industry, outperforming 75.49% of the companies in the same industry.
A Debt/Equity ratio of 2.07 is on the high side and indicates that BAMI has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 2.07, BAMI is in line with its industry, outperforming 50.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.07 | ||
| Debt/FCF | 10.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BAMI have decreased by -6.16% in the last year.
BAMI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.15% yearly.
BAMI shows a small growth in Revenue. In the last year, the Revenue has grown by 4.51%.
BAMI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.82% yearly.
EPS 1Y (TTM)-6.16%
EPS 3Y49.52%
EPS 5Y19.15%
EPS Q2Q%-51.77%
Revenue 1Y (TTM)4.51%
Revenue growth 3Y37.38%
Revenue growth 5Y17.82%
Sales Q2Q%-1.2%
3.2 Future
Based on estimates for the next years, BAMI will show a small growth in Earnings Per Share. The EPS will grow by 2.09% on average per year.
The Revenue is expected to grow by 3.81% on average over the next years.
EPS Next Y2.23%
EPS Next 2Y-0.15%
EPS Next 3Y1.74%
EPS Next 5Y2.09%
Revenue Next Year5.43%
Revenue Next 2Y4.22%
Revenue Next 3Y3.81%
Revenue Next 5Y3.81%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.56, the valuation of BAMI can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of BAMI indicates a somewhat cheap valuation: BAMI is cheaper than 70.59% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.60. BAMI is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 10.41, the valuation of BAMI can be described as reasonable.
Based on the Price/Forward Earnings ratio, BAMI is valued a bit cheaper than 67.65% of the companies in the same industry.
BAMI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.56 | ||
| Fwd PE | 10.41 |
4.2 Price Multiples
76.47% of the companies in the same industry are more expensive than BAMI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.81 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BAMI does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)4.73
PEG (5Y)0.55
EPS Next 2Y-0.15%
EPS Next 3Y1.74%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.78%, BAMI is a good candidate for dividend investing.
BAMI's Dividend Yield is rather good when compared to the industry average which is at 4.31. BAMI pays more dividend than 93.14% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, BAMI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.78% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
BAMI pays out 39.26% of its income as dividend. This is a sustainable payout ratio.
DP39.26%
EPS Next 2Y-0.15%
EPS Next 3Y1.74%
BIT:BAMI (1/2/2026, 7:00:00 PM)
13.195
+0.18 (+1.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners52.31%
Inst Owner ChangeN/A
Ins Owners2.15%
Ins Owner ChangeN/A
Market Cap19.99B
Revenue(TTM)15.42B
Net Income(TTM)3.84B
Analysts68.18
Price Target13.24 (0.34%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.78% |
Yearly Dividend0.96
Dividend Growth(5Y)N/A
DP39.26%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)20.11%
Min EPS beat(2)14.94%
Max EPS beat(2)25.27%
EPS beat(4)3
Avg EPS beat(4)41.88%
Min EPS beat(4)-22.6%
Max EPS beat(4)149.92%
EPS beat(8)6
Avg EPS beat(8)32.21%
EPS beat(12)9
Avg EPS beat(12)24.58%
EPS beat(16)13
Avg EPS beat(16)29.86%
Revenue beat(2)1
Avg Revenue beat(2)0.76%
Min Revenue beat(2)-0.18%
Max Revenue beat(2)1.71%
Revenue beat(4)3
Avg Revenue beat(4)1.83%
Min Revenue beat(4)-0.18%
Max Revenue beat(4)4.16%
Revenue beat(8)6
Avg Revenue beat(8)1.03%
Revenue beat(12)9
Avg Revenue beat(12)14.29%
Revenue beat(16)13
Avg Revenue beat(16)19.18%
PT rev (1m)0.07%
PT rev (3m)10.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.27%
EPS NY rev (1m)2.46%
EPS NY rev (3m)1.24%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.44%
Revenue NY rev (3m)-0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.56 | ||
| Fwd PE | 10.41 | ||
| P/S | 1.29 | ||
| P/FCF | 6.81 | ||
| P/OCF | 5.55 | ||
| P/B | 1.31 | ||
| P/tB | 1.66 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.25
EY9.47%
EPS(NY)1.27
Fwd EY9.61%
FCF(TTM)1.94
FCFY14.68%
OCF(TTM)2.38
OCFY18.03%
SpS10.19
BVpS10.07
TBVpS7.97
PEG (NY)4.73
PEG (5Y)0.55
Graham Number16.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.82% | ||
| ROE | 25.17% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.87% | ||
| GM | N/A | ||
| FCFM | 19% |
ROA(3y)0.65%
ROA(5y)0.45%
ROE(3y)9.14%
ROE(5y)6.39%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.18%
PM growth 5Y1.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.07 | ||
| Debt/FCF | 10.74 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 4.34% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 76.39% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC5.73%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)3.42%
Cap/Sales(5y)3.66%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.16%
EPS 3Y49.52%
EPS 5Y19.15%
EPS Q2Q%-51.77%
EPS Next Y2.23%
EPS Next 2Y-0.15%
EPS Next 3Y1.74%
EPS Next 5Y2.09%
Revenue 1Y (TTM)4.51%
Revenue growth 3Y37.38%
Revenue growth 5Y17.82%
Sales Q2Q%-1.2%
Revenue Next Year5.43%
Revenue Next 2Y4.22%
Revenue Next 3Y3.81%
Revenue Next 5Y3.81%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y127.15%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y134.22%
OCF growth 3YN/A
OCF growth 5YN/A
BANCO BPM SPA / BAMI.MI FAQ
Can you provide the ChartMill fundamental rating for BANCO BPM SPA?
ChartMill assigns a fundamental rating of 4 / 10 to BAMI.MI.
What is the valuation status of BANCO BPM SPA (BAMI.MI) stock?
ChartMill assigns a valuation rating of 5 / 10 to BANCO BPM SPA (BAMI.MI). This can be considered as Fairly Valued.
What is the profitability of BAMI stock?
BANCO BPM SPA (BAMI.MI) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for BAMI stock?
The Price/Earnings (PE) ratio for BANCO BPM SPA (BAMI.MI) is 10.56 and the Price/Book (PB) ratio is 1.31.
Can you provide the dividend sustainability for BAMI stock?
The dividend rating of BANCO BPM SPA (BAMI.MI) is 7 / 10 and the dividend payout ratio is 39.26%.