BANCO BPM SPA (BAMI.MI) Fundamental Analysis & Valuation

BIT:BAMI • IT0005218380

Current stock price

12.675 EUR
+0.05 (+0.4%)
Last:

This BAMI.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. BAMI.MI Profitability Analysis

1.1 Basic Checks

  • In the past year BAMI was profitable.
  • In the past year BAMI has reported a negative cash flow from operations.
  • Each year in the past 5 years BAMI has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: BAMI reported negative operating cash flow in multiple years.
BAMI.MI Yearly Net Income VS EBIT VS OCF VS FCFBAMI.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.48%, BAMI belongs to the top of the industry, outperforming 86.67% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 19.63%, BAMI belongs to the top of the industry, outperforming 90.48% of the companies in the same industry.
Industry RankSector Rank
ROA 1.48%
ROE 19.63%
ROIC N/A
ROA(3y)0.87%
ROA(5y)0.65%
ROE(3y)11.86%
ROE(5y)9.04%
ROIC(3y)N/A
ROIC(5y)N/A
BAMI.MI Yearly ROA, ROE, ROICBAMI.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 -20

1.3 Margins

  • The Profit Margin of BAMI (21.13%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of BAMI has grown nicely.
  • The Operating Margin and Gross Margin are not available for BAMI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.13%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.82%
PM growth 5Y106.64%
GM growth 3YN/A
GM growth 5YN/A
BAMI.MI Yearly Profit, Operating, Gross MarginsBAMI.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 -40

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1

2. BAMI.MI Health Analysis

2.1 Basic Checks

  • BAMI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • BAMI has about the same amout of 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 better debt/assets ratio than last year.
BAMI.MI Yearly Shares OutstandingBAMI.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
BAMI.MI Yearly Total Debt VS Total AssetsBAMI.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B

2.2 Solvency

  • BAMI has a Debt/Equity ratio of 1.98. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 1.98, BAMI is in line with its industry, outperforming 44.76% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.98
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.64%
BAMI.MI Yearly LT Debt VS Equity VS FCFBAMI.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BAMI.MI Yearly Current Assets VS Current LiabilitesBAMI.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. BAMI.MI Growth Analysis

3.1 Past

  • BAMI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.49%, which is quite good.
  • The Earnings Per Share has been growing by 166.22% on average over the past years. This is a very strong growth
  • BAMI shows a decrease in Revenue. In the last year, the revenue decreased by -0.61%.
  • Measured over the past years, BAMI shows a very strong growth in Revenue. The Revenue has been growing by 21.47% on average per year.
EPS 1Y (TTM)8.49%
EPS 3Y41.84%
EPS 5Y166.22%
EPS Q2Q%86.67%
Revenue 1Y (TTM)-0.61%
Revenue growth 3Y31.9%
Revenue growth 5Y21.47%
Sales Q2Q%2.77%

3.2 Future

  • The Earnings Per Share is expected to grow by 1.96% on average over the next years.
  • Based on estimates for the next years, BAMI will show a small growth in Revenue. The Revenue will grow by 3.02% on average per year.
EPS Next Y-8.69%
EPS Next 2Y-1.84%
EPS Next 3Y1.01%
EPS Next 5Y1.96%
Revenue Next Year4.32%
Revenue Next 2Y3.69%
Revenue Next 3Y3.71%
Revenue Next 5Y3.02%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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.
BAMI.MI Yearly Revenue VS EstimatesBAMI.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B 8B 10B
BAMI.MI Yearly EPS VS EstimatesBAMI.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 0.5 -0.5 1

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4

4. BAMI.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.18, which indicates a very decent valuation of BAMI.
  • BAMI's Price/Earnings ratio is a bit cheaper when compared to the industry. BAMI is cheaper than 79.05% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.78. BAMI is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 10.06, the valuation of BAMI can be described as very reasonable.
  • BAMI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BAMI is cheaper than 76.19% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of BAMI to the average of the S&P500 Index (23.54), we can say BAMI is valued rather cheaply.
Industry RankSector Rank
PE 9.18
Fwd PE 10.06
BAMI.MI Price Earnings VS Forward Price EarningsBAMI.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BAMI.MI Per share dataBAMI.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.06
EPS Next 2Y-1.84%
EPS Next 3Y1.01%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. BAMI.MI Dividend Analysis

5.1 Amount

  • BAMI has a Yearly Dividend Yield of 7.92%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.70, BAMI pays a better dividend. On top of this BAMI pays more dividend than 95.24% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.83, BAMI pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.92%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 52.55% of the earnings are spent on dividend by BAMI. This is a bit on the high side, but may be sustainable.
DP52.55%
EPS Next 2Y-1.84%
EPS Next 3Y1.01%
BAMI.MI Yearly Income VS Free CF VS DividendBAMI.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B
BAMI.MI Dividend Payout.BAMI.MI Dividend Payout, showing the Payout Ratio.BAMI.MI Dividend Payout.PayoutRetained Earnings

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BAMI.MI Fundamentals: All Metrics, Ratios and Statistics

BANCO BPM SPA

BIT:BAMI (4/10/2026, 7:00:00 PM)

12.675

+0.05 (+0.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)05-05
Inst Owners52.12%
Inst Owner ChangeN/A
Ins Owners2.26%
Ins Owner ChangeN/A
Market Cap19.20B
Revenue(TTM)14.40B
Net Income(TTM)3.04B
Analysts66.36
Price Target13.67 (7.85%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.92%
Yearly Dividend1.06
Dividend Growth(5Y)N/A
DP52.55%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)30.04%
Min EPS beat(2)11.69%
Max EPS beat(2)48.38%
EPS beat(4)4
Avg EPS beat(4)25.07%
Min EPS beat(4)11.69%
Max EPS beat(4)48.38%
EPS beat(8)6
Avg EPS beat(8)37.63%
EPS beat(12)10
Avg EPS beat(12)29.65%
EPS beat(16)13
Avg EPS beat(16)25.42%
Revenue beat(2)1
Avg Revenue beat(2)0.87%
Min Revenue beat(2)-0.05%
Max Revenue beat(2)1.79%
Revenue beat(4)2
Avg Revenue beat(4)0.82%
Min Revenue beat(4)-0.18%
Max Revenue beat(4)1.79%
Revenue beat(8)5
Avg Revenue beat(8)1.02%
Revenue beat(12)8
Avg Revenue beat(12)0.84%
Revenue beat(16)12
Avg Revenue beat(16)18.03%
PT rev (1m)-0.6%
PT rev (3m)3.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.06%
EPS NY rev (1m)-1.1%
EPS NY rev (3m)-0.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.77%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)0.75%
Valuation
Industry RankSector Rank
PE 9.18
Fwd PE 10.06
P/S 1.33
P/FCF N/A
P/OCF N/A
P/B 1.24
P/tB 1.56
EV/EBITDA N/A
EPS(TTM)1.38
EY10.89%
EPS(NY)1.26
Fwd EY9.94%
FCF(TTM)-2.68
FCFYN/A
OCF(TTM)-2.34
OCFYN/A
SpS9.5
BVpS10.23
TBVpS8.11
PEG (NY)N/A
PEG (5Y)0.06
Graham Number17.83
Profitability
Industry RankSector Rank
ROA 1.48%
ROE 19.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.13%
GM N/A
FCFM N/A
ROA(3y)0.87%
ROA(5y)0.65%
ROE(3y)11.86%
ROE(5y)9.04%
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 3Y9.82%
PM growth 5Y106.64%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 1.98
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 3.56%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC5.64%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)2.73%
Cap/Sales(5y)3.85%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.49%
EPS 3Y41.84%
EPS 5Y166.22%
EPS Q2Q%86.67%
EPS Next Y-8.69%
EPS Next 2Y-1.84%
EPS Next 3Y1.01%
EPS Next 5Y1.96%
Revenue 1Y (TTM)-0.61%
Revenue growth 3Y31.9%
Revenue growth 5Y21.47%
Sales Q2Q%2.77%
Revenue Next Year4.32%
Revenue Next 2Y3.69%
Revenue Next 3Y3.71%
Revenue Next 5Y3.02%
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 1Y21.19%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y27.55%
OCF growth 3YN/A
OCF growth 5YN/A

BANCO BPM SPA / BAMI.MI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for BANCO BPM SPA?

ChartMill assigns a fundamental rating of 3 / 10 to BAMI.MI.


What is the valuation status of BANCO BPM SPA (BAMI.MI) stock?

ChartMill assigns a valuation rating of 4 / 10 to BANCO BPM SPA (BAMI.MI). This can be considered as Fairly Valued.


How profitable is BANCO BPM SPA (BAMI.MI) stock?

BANCO BPM SPA (BAMI.MI) has a profitability rating of 4 / 10.


What is the financial health of BANCO BPM SPA (BAMI.MI) stock?

The financial health rating of BANCO BPM SPA (BAMI.MI) is 1 / 10.


How sustainable is the dividend of BANCO BPM SPA (BAMI.MI) stock?

The dividend rating of BANCO BPM SPA (BAMI.MI) is 6 / 10 and the dividend payout ratio is 52.55%.