BANCO BPM SPA (BAMI.MI) Stock Fundamental Analysis
Europe - BIT:BAMI - IT0005218380 - Common Stock
12.815 EUR
+0.18 (+1.46%)
BAMI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 97 industry peers in the Banks industry. BAMI has a medium profitability rating, but doesn't score so well on its financial health evaluation. BAMI is not valued too expensively and it also shows a decent growth rate. BAMI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BAMI was profitable.
In the past year BAMI had a positive cash flow from operations.
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
Looking at the Return On Assets, with a value of 1.82%, BAMI belongs to the top of the industry, outperforming 92.78% of the companies in the same industry.
BAMI has a Return On Equity of 25.17%. This is amongst the best in the industry. BAMI outperforms 98.97% 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
With a decent Profit Margin value of 24.87%, BAMI is doing good in the industry, outperforming 62.89% of the companies in the same industry.
In the last couple of years the Profit Margin of BAMI has remained more or less at the same level.
BAMI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
The number of shares outstanding for BAMI has been reduced compared to 1 year ago.
Compared to 5 years ago, BAMI has less shares outstanding
Compared to 1 year ago, BAMI has a worse debt to assets ratio.
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.
BAMI has a Debt to FCF ratio of 10.74. This is amongst the best in the industry. BAMI outperforms 80.41% 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 comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.07 | ||
| Debt/FCF | 10.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.46%
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 70.87%, which is quite impressive.
The Earnings Per Share has been growing by 19.15% on average over the past years. This is quite good.
Looking at the last year, BAMI shows a small growth in Revenue. The Revenue has grown by 5.36% in the last year.
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)70.87%
EPS 3Y49.52%
EPS 5Y19.15%
EPS Q2Q%84%
Revenue 1Y (TTM)5.36%
Revenue growth 3Y37.38%
Revenue growth 5Y17.82%
Sales Q2Q%13.79%
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 1.82% on average per year.
BAMI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.68% yearly.
EPS Next Y0.98%
EPS Next 2Y0.16%
EPS Next 3Y1.86%
EPS Next 5Y1.82%
Revenue Next Year5.99%
Revenue Next 2Y4.24%
Revenue Next 3Y3.71%
Revenue Next 5Y2.68%
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.
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
Based on the Price/Earnings ratio of 8.16, the valuation of BAMI can be described as reasonable.
Based on the Price/Earnings ratio, BAMI is valued cheaply inside the industry as 82.47% of the companies are valued more expensively.
BAMI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.86.
Based on the Price/Forward Earnings ratio of 10.04, the valuation of BAMI can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BAMI is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of BAMI to the average of the S&P500 Index (23.32), we can say BAMI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.16 | ||
| Fwd PE | 10.04 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BAMI is valued cheaper than 80.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.62 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)8.31
PEG (5Y)0.43
EPS Next 2Y0.16%
EPS Next 3Y1.86%
5. Dividend
5.1 Amount
BAMI has a Yearly Dividend Yield of 7.93%, which is a nice return.
BAMI's Dividend Yield is rather good when compared to the industry average which is at 5.02. BAMI pays more dividend than 93.81% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, BAMI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.93% |
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 2Y0.16%
EPS Next 3Y1.86%
BIT:BAMI (10/3/2025, 7:00:00 PM)
12.815
+0.18 (+1.46%)
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 Cap19.42B
Analysts72.63
Price Target11.96 (-6.67%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.93% |
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)2.03%
PT rev (3m)8.19%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.21%
EPS NY rev (3m)18.27%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)4.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.16 | ||
| Fwd PE | 10.04 | ||
| P/S | 1.26 | ||
| P/FCF | 6.62 | ||
| P/OCF | 5.39 | ||
| P/B | 1.27 | ||
| P/tB | 1.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.57
EY12.25%
EPS(NY)1.28
Fwd EY9.96%
FCF(TTM)1.94
FCFY15.11%
OCF(TTM)2.38
OCFY18.56%
SpS10.19
BVpS10.07
TBVpS7.97
PEG (NY)8.31
PEG (5Y)0.43
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
ROICexcg growth 3YN/A
ROICexcg 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
WACC5.46%
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)70.87%
EPS 3Y49.52%
EPS 5Y19.15%
EPS Q2Q%84%
EPS Next Y0.98%
EPS Next 2Y0.16%
EPS Next 3Y1.86%
EPS Next 5Y1.82%
Revenue 1Y (TTM)5.36%
Revenue growth 3Y37.38%
Revenue growth 5Y17.82%
Sales Q2Q%13.79%
Revenue Next Year5.99%
Revenue Next 2Y4.24%
Revenue Next 3Y3.71%
Revenue Next 5Y2.68%
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