BANCO BPM SPA (BAMI.MI) Stock Fundamental Analysis
Europe - BIT:BAMI - IT0005218380 - Common Stock
12.405 EUR
-0.2 (-1.55%)
BAMI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 96 industry peers in the Banks industry. There are concerns on the financial health of BAMI while its profitability can be described as average. 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.
In the past 5 years BAMI has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: BAMI reported negative operating cash flow in multiple years.
1.2 Ratios
BAMI has a better Return On Assets (1.82%) than 92.71% of its industry peers.
Looking at the Return On Equity, with a value of 25.17%, BAMI belongs to the top of the industry, outperforming 98.96% of the companies in the same industry.
| 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
The Profit Margin of BAMI (24.87%) is better than 63.54% 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.
Compared to 1 year ago, BAMI has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of BAMI is 10.74, which is on the high side as it means it would take BAMI, 10.74 years of fcf income to pay off all of its debts.
BAMI has a better Debt to FCF ratio (10.74) than 79.17% of its industry peers.
A Debt/Equity ratio of 2.07 is on the high side and indicates that BAMI has dependencies on debt financing.
BAMI has a Debt to Equity ratio (2.07) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.07 | ||
| Debt/FCF | 10.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.45%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BAMI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 51.43%, which is quite impressive.
The Earnings Per Share has been growing by 19.15% on average over the past years. This is quite good.
The Revenue has been growing slightly by 4.51% in the past year.
The Revenue has been growing by 17.82% on average over the past years. This is quite good.
EPS 1Y (TTM)51.43%
EPS 3Y49.52%
EPS 5Y19.15%
EPS Q2Q%-52.38%
Revenue 1Y (TTM)4.51%
Revenue growth 3Y37.38%
Revenue growth 5Y17.82%
Sales Q2Q%-0.59%
3.2 Future
The Earnings Per Share is expected to grow by 3.54% on average over the next years.
The Revenue is expected to grow by 3.60% on average over the next years.
EPS Next Y-0.23%
EPS Next 2Y0.45%
EPS Next 3Y2.13%
EPS Next 5Y3.54%
Revenue Next Year5.9%
Revenue Next 2Y4.48%
Revenue Next 3Y3.93%
Revenue Next 5Y3.6%
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
BAMI is valuated reasonably with a Price/Earnings ratio of 9.77.
60.42% of the companies in the same industry are more expensive than BAMI, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 25.07. BAMI is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.66, which indicates a very decent valuation of BAMI.
Based on the Price/Forward Earnings ratio, BAMI is valued a bit cheaper than 62.50% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.08, BAMI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.77 | ||
| Fwd PE | 9.66 |
4.2 Price Multiples
76.04% 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 | 6.41 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.51
EPS Next 2Y0.45%
EPS Next 3Y2.13%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.42%, BAMI is a good candidate for dividend investing.
BAMI's Dividend Yield is rather good when compared to the industry average which is at 4.79. BAMI pays more dividend than 87.50% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, BAMI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.42% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
39.26% of the earnings are spent on dividend by BAMI. This is a low number and sustainable payout ratio.
DP39.26%
EPS Next 2Y0.45%
EPS Next 3Y2.13%
BIT:BAMI (11/21/2025, 12:37:07 PM)
12.405
-0.2 (-1.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners47.97%
Inst Owner ChangeN/A
Ins Owners2.15%
Ins Owner ChangeN/A
Market Cap18.80B
Revenue(TTM)15.42B
Net Income(TTM)3.84B
Analysts70
Price Target12.94 (4.31%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.42% |
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)8.16%
PT rev (3m)15.65%
EPS NQ rev (1m)-1.25%
EPS NQ rev (3m)3.27%
EPS NY rev (1m)-1.2%
EPS NY rev (3m)16.85%
Revenue NQ rev (1m)-1.69%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)0.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.77 | ||
| Fwd PE | 9.66 | ||
| P/S | 1.22 | ||
| P/FCF | 6.41 | ||
| P/OCF | 5.21 | ||
| P/B | 1.23 | ||
| P/tB | 1.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.27
EY10.24%
EPS(NY)1.28
Fwd EY10.35%
FCF(TTM)1.94
FCFY15.61%
OCF(TTM)2.38
OCFY19.18%
SpS10.19
BVpS10.07
TBVpS7.97
PEG (NY)N/A
PEG (5Y)0.51
Graham Number16.96
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
WACC5.45%
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)51.43%
EPS 3Y49.52%
EPS 5Y19.15%
EPS Q2Q%-52.38%
EPS Next Y-0.23%
EPS Next 2Y0.45%
EPS Next 3Y2.13%
EPS Next 5Y3.54%
Revenue 1Y (TTM)4.51%
Revenue growth 3Y37.38%
Revenue growth 5Y17.82%
Sales Q2Q%-0.59%
Revenue Next Year5.9%
Revenue Next 2Y4.48%
Revenue Next 3Y3.93%
Revenue Next 5Y3.6%
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 for BAMI stock?
ChartMill assigns a valuation rating of 4 / 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.
What is the valuation of BANCO BPM SPA based on its PE and PB ratios?
The Price/Earnings (PE) ratio for BANCO BPM SPA (BAMI.MI) is 9.77 and the Price/Book (PB) ratio is 1.23.
Is the dividend of BANCO BPM SPA sustainable?
The dividend rating of BANCO BPM SPA (BAMI.MI) is 7 / 10 and the dividend payout ratio is 39.26%.