BANCO BPM SPA (BAMI.MI) Stock Fundamental Analysis
BIT:BAMI • IT0005218380
12.89 EUR
+0.49 (+3.95%)
Last: Feb 20, 2026, 05:36 PM
We assign a fundamental rating of 3 out of 10 to BAMI. BAMI was compared to 110 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year BAMI was profitable.
- 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
- The Return On Assets of BAMI (1.48%) is better than 88.18% of its industry peers.
- Looking at the Return On Equity, with a value of 19.63%, BAMI belongs to the top of the industry, outperforming 89.09% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- BAMI has a Profit Margin (25.40%) which is in line with its industry peers.
- In the last couple of years the Profit Margin of BAMI has grown nicely.
- 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) | 25.4% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y36.17%
PM growth 5Y135.09%
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 remains at a similar level compared to 1 year ago.
- Compared to 5 years ago, BAMI has less shares outstanding
- The debt/assets ratio for BAMI has been reduced compared to a year ago.
2.2 Solvency
- BAMI has a Debt/Equity ratio of 1.53. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 1.53, BAMI is in line with its industry, outperforming 58.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.53 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.74%
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 8.49%, which is quite good.
- Measured over the past years, BAMI shows a very strong growth in Earnings Per Share. The EPS has been growing by 166.22% on average per year.
- Looking at the last year, BAMI shows a very negative growth in Revenue. The Revenue has decreased by -17.33% in the last year.
- BAMI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.76% yearly.
EPS 1Y (TTM)8.49%
EPS 3Y41.84%
EPS 5Y166.22%
EPS Q2Q%86.67%
Revenue 1Y (TTM)-17.33%
Revenue growth 3Y6.38%
Revenue growth 5Y6.76%
Sales Q2Q%2.77%
3.2 Future
- BAMI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.71% yearly.
- Based on estimates for the next years, BAMI will show a small growth in Revenue. The Revenue will grow by 2.65% on average per year.
EPS Next Y-7.7%
EPS Next 2Y-1.12%
EPS Next 3Y0.05%
EPS Next 5Y1.71%
Revenue Next Year3.03%
Revenue Next 2Y3.01%
Revenue Next 3Y3.28%
Revenue Next 5Y2.65%
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
- Based on the Price/Earnings ratio of 9.34, the valuation of BAMI can be described as reasonable.
- Based on the Price/Earnings ratio, BAMI is valued cheaper than 82.73% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.09. BAMI is valued rather cheaply when compared to this.
- With a Price/Forward Earnings ratio of 10.12, the valuation of BAMI can be described as very reasonable.
- BAMI's Price/Forward Earnings ratio is rather cheap when compared to the industry. BAMI is cheaper than 82.73% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 27.98. BAMI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.34 | ||
| Fwd PE | 10.12 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.06
EPS Next 2Y-1.12%
EPS Next 3Y0.05%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 8.62%, BAMI is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 4.33, BAMI pays a better dividend. On top of this BAMI pays more dividend than 96.36% of the companies listed in the same industry.
- BAMI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.62% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DP0%
EPS Next 2Y-1.12%
EPS Next 3Y0.05%
BIT:BAMI (2/20/2026, 5:36:15 PM)
12.89
+0.49 (+3.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05 2026-02-05/amc
Earnings (Next)05-05 2026-05-05
Inst Owners53.02%
Inst Owner ChangeN/A
Ins Owners2.15%
Ins Owner ChangeN/A
Market Cap19.53B
Revenue(TTM)11.98B
Net Income(TTM)3.04B
Analysts67.27
Price Target13.56 (5.2%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.62% |
Yearly Dividend0.96
Dividend Growth(5Y)N/A
DP0%
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)2.4%
PT rev (3m)4.82%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.34 | ||
| Fwd PE | 10.12 | ||
| P/S | 1.63 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.26 | ||
| P/tB | 1.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.38
EY10.71%
EPS(NY)1.27
Fwd EY9.88%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.91
BVpS10.23
TBVpS8.11
PEG (NY)N/A
PEG (5Y)0.06
Graham Number17.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.48% | ||
| ROE | 19.63% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.4% | ||
| 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 3Y36.17%
PM growth 5Y135.09%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.53 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| 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-ScoreN/A
WACC5.74%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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-7.7%
EPS Next 2Y-1.12%
EPS Next 3Y0.05%
EPS Next 5Y1.71%
Revenue 1Y (TTM)-17.33%
Revenue growth 3Y6.38%
Revenue growth 5Y6.76%
Sales Q2Q%2.77%
Revenue Next Year3.03%
Revenue Next 2Y3.01%
Revenue Next 3Y3.28%
Revenue Next 5Y2.65%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
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 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.
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 9.34 and the Price/Book (PB) ratio is 1.26.
Can you provide the dividend sustainability for BAMI stock?
The dividend rating of BANCO BPM SPA (BAMI.MI) is 6 / 10 and the dividend payout ratio is 0%.