BAMI Fundamental Analysis - BANCO BPM SPA

Fundamental Rating

Taking everything into account, BAMI scores 4 out of 10 in our fundamental rating. BAMI was compared to 96 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 correct valuation and a medium growth rate. BAMI also has an excellent dividend rating.

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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.

BAMI had positive earnings in each of the past 5 years.

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 (1.82%) is better than 92.71% of its industry peers.

BAMI has a better Return On Equity (25.17%) than 98.96% 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 has a Profit Margin of 24.87%. This is in the better half of the industry: BAMI outperforms 64.58% of its industry peers.

BAMI's Profit Margin has been stable in the last couple of years.

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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

BAMI has less shares outstanding than it did 5 years ago.

BAMI has a worse debt/assets ratio than last year.

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.

Looking at the Debt to FCF ratio, with a value of 10.74, BAMI belongs to the top of the industry, outperforming 83.33% 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.

The Debt to Equity ratio of BAMI (2.07) 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

WACC5.35%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

Measured over the past years, BAMI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.15% on average per year.

BAMI shows a small growth in Revenue. In the last year, the Revenue has grown by 5.36%.

Measured over the past years, BAMI shows a quite strong growth in Revenue. The Revenue has been growing by 17.82% on average per year.

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

The Earnings Per Share is expected to grow by 3.47% 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 2.64% on average per year.

EPS Next Y-0.22%

EPS Next 2Y0.13%

EPS Next 3Y1.83%

EPS Next 5Y3.47%

Revenue Next Year6.07%

Revenue Next 2Y4.25%

Revenue Next 3Y3.73%

Revenue Next 5Y2.64%

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.

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4. Valuation

4.1 Price/Earnings Ratio

BAMI is valuated cheaply with a Price/Earnings ratio of 7.45.

Based on the Price/Earnings ratio, BAMI is valued cheaper than 84.38% of the companies in the same industry.

When comparing the Price/Earnings ratio of BAMI to the average of the S&P500 Index (27.03), we can say BAMI is valued rather cheaply.

The Price/Forward Earnings ratio is 9.17, which indicates a very decent valuation of BAMI.

Based on the Price/Forward Earnings ratio, BAMI is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.

When comparing the Price/Forward Earnings ratio of BAMI to the average of the S&P500 Index (22.63), we can say BAMI is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7.45
Fwd PE	9.17

4.2 Price Multiples

82.29% 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	6.04
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.39

EPS Next 2Y0.13%

EPS Next 3Y1.83%

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5. Dividend

5.1 Amount

BAMI has a Yearly Dividend Yield of 8.54%, which is a nice return.

BAMI's Dividend Yield is rather good when compared to the industry average which is at 5.01. BAMI pays more dividend than 95.83% of the companies in the same industry.

BAMI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.

		Industry Rank	Sector Rank
Dividend Yield	8.54%

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 2Y0.13%

EPS Next 3Y1.83%

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BANCO BPM SPA

BIT:BAMI (9/4/2025, 7:00:00 PM)

11.695

+0.07 (+0.6%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-06 2025-08-06/amc

Earnings (Next)11-06 2025-11-06

Inst Owners49.94%

Inst Owner ChangeN/A

Ins Owners2.15%

Ins Owner ChangeN/A

Market Cap17.72B

Analysts73.68

Price Target11.73 (0.3%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	8.54%

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)5.14%

PT rev (3m)16.26%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)16.86%

EPS NY rev (3m)16.86%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.81%

Revenue NY rev (3m)4.44%

Valuation

		Industry Rank	Sector Rank
PE	7.45
Fwd PE	9.17
P/S	1.15
P/FCF	6.04
P/OCF	4.92
P/B	1.16
P/tB	1.47
EV/EBITDA	N/A

EPS(TTM)1.57

EY13.42%

EPS(NY)1.28

Fwd EY10.9%

FCF(TTM)1.94

FCFY16.56%

OCF(TTM)2.38

OCFY20.34%

SpS10.19

BVpS10.07

TBVpS7.97

PEG (NY)N/A

PEG (5Y)0.39

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

WACC5.35%

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 Y-0.22%

EPS Next 2Y0.13%

EPS Next 3Y1.83%

EPS Next 5Y3.47%

Revenue 1Y (TTM)5.36%

Revenue growth 3Y37.38%

Revenue growth 5Y17.82%

Sales Q2Q%13.79%

Revenue Next Year6.07%

Revenue Next 2Y4.25%

Revenue Next 3Y3.73%

Revenue Next 5Y2.64%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens