BPE Fundamental Analysis - BPER BANCA SPA

Fundamental Rating

Taking everything into account, BPE scores 3 out of 10 in our fundamental rating. BPE was compared to 91 industry peers in the Banks industry. BPE may be in some trouble as it scores bad on both profitability and health. BPE has a valuation in line with the averages, but it does not seem to be growing. BPE also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year BPE was profitable.

In the past year BPE has reported a negative cash flow from operations.

Each year in the past 5 years BPE has been profitable.

The reported operating cash flow has been mixed in the past 5 years: BPE reported negative operating cash flow in multiple years.

1.2 Ratios

BPE's Return On Assets of 1.00% is fine compared to the rest of the industry. BPE outperforms 69.66% of its industry peers.

BPE has a Return On Equity of 12.35%. This is in the better half of the industry: BPE outperforms 62.92% of its industry peers.

		Industry Rank	Sector Rank
ROA	1%
ROE	12.35%
ROIC	N/A

ROA(3y)1.01%

ROA(5y)0.73%

ROE(3y)15.61%

ROE(5y)11.73%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BPE has a Profit Margin of 22.89%. This is comparable to the rest of the industry: BPE outperforms 58.43% of its industry peers.

BPE's Profit Margin has improved in the last couple of years.

BPE 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)	22.89%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y28.67%

PM growth 5Y11.13%

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

BPE does not have a ROIC to compare to the WACC, probably because it is not profitable.

BPE has about the same amout of shares outstanding than it did 1 year ago.

Compared to 5 years ago, BPE has more shares outstanding

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

2.2 Solvency

A Debt/Equity ratio of 2.16 is on the high side and indicates that BPE has dependencies on debt financing.

BPE has a Debt to Equity ratio (2.16) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.16
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.51%

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

BPE shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.31%.

The Earnings Per Share has been growing by 14.13% on average over the past years. This is quite good.

The Revenue has decreased by -1.79% in the past year.

Measured over the past years, BPE shows a quite strong growth in Revenue. The Revenue has been growing by 16.87% on average per year.

EPS 1Y (TTM)-17.31%

EPS 3Y37.89%

EPS 5Y14.13%

EPS Q2Q%-1.59%

Revenue 1Y (TTM)-1.79%

Revenue growth 3Y7.83%

Revenue growth 5Y16.87%

Sales Q2Q%5.38%

3.2 Future

Based on estimates for the next years, BPE will show a small growth in Earnings Per Share. The EPS will grow by 1.52% on average per year.

The Revenue is expected to decrease by -1.03% on average over the next years.

EPS Next Y1.3%

EPS Next 2Y0.49%

EPS Next 3Y1.52%

EPS Next 5YN/A

Revenue Next Year-3.46%

Revenue Next 2Y-1.65%

Revenue Next 3Y-0.41%

Revenue Next 5Y-1.03%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.64, the valuation of BPE can be described as very cheap.

Based on the Price/Earnings ratio, BPE is valued a bit cheaper than the industry average as 76.40% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of BPE to the average of the S&P500 Index (27.41), we can say BPE is valued rather cheaply.

The Price/Forward Earnings ratio is 7.56, which indicates a rather cheap valuation of BPE.

Compared to the rest of the industry, the Price/Forward Earnings ratio of BPE indicates a rather cheap valuation: BPE is cheaper than 83.15% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of BPE to the average of the S&P500 Index (35.19), we can say BPE is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7.64
Fwd PE	7.56

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
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)5.88

PEG (5Y)0.54

EPS Next 2Y0.49%

EPS Next 3Y1.52%

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5. Dividend

5.1 Amount

BPE has a Yearly Dividend Yield of 7.95%, which is a nice return.

Compared to an average industry Dividend Yield of 5.19, BPE pays a better dividend. On top of this BPE pays more dividend than 94.38% of the companies listed in the same industry.

BPE's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.

		Industry Rank	Sector Rank
Dividend Yield	7.95%

5.2 History

The dividend of BPE is nicely growing with an annual growth rate of 25.71%!

Dividend Growth(5Y)25.71%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

31.93% of the earnings are spent on dividend by BPE. This is a low number and sustainable payout ratio.

The dividend of BPE is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP31.93%

EPS Next 2Y0.49%

EPS Next 3Y1.52%

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BPER BANCA SPA

BIT:BPE (7/11/2025, 7:00:00 PM)

7.406

-0.14 (-1.86%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-08 2025-05-08/bmo

Earnings (Next)08-05 2025-08-05

Inst Owners19.82%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap10.53B

Analysts83.08

Price Target9.2 (24.22%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.95%

Yearly Dividend0.32

Dividend Growth(5Y)25.71%

DP31.93%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)26.33%

Min EPS beat(2)20.64%

Max EPS beat(2)32.01%

EPS beat(4)3

Avg EPS beat(4)32.23%

Min EPS beat(4)-22.39%

Max EPS beat(4)98.65%

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)2

Avg Revenue beat(2)3.8%

Min Revenue beat(2)2.78%

Max Revenue beat(2)4.83%

Revenue beat(4)3

Avg Revenue beat(4)1.43%

Min Revenue beat(4)-2.32%

Max Revenue beat(4)4.83%

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)0.39%

PT rev (3m)8.95%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)-0.19%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.63%

Valuation

		Industry Rank	Sector Rank
PE	7.64
Fwd PE	7.56
P/S	1.72
P/FCF	N/A
P/OCF	N/A
P/B	0.93
P/tB	0.99
EV/EBITDA	N/A

EPS(TTM)0.97

EY13.1%

EPS(NY)0.98

Fwd EY13.23%

FCF(TTM)-2.01

FCFYN/A

OCF(TTM)-1.76

OCFYN/A

SpS4.31

BVpS7.99

TBVpS7.49

PEG (NY)5.88

PEG (5Y)0.54

Profitability

		Industry Rank	Sector Rank
ROA	1%
ROE	12.35%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.89%
GM	N/A
FCFM	N/A

ROA(3y)1.01%

ROA(5y)0.73%

ROE(3y)15.61%

ROE(5y)11.73%

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 3Y28.67%

PM growth 5Y11.13%

GM growth 3YN/A

GM growth 5YN/A

F-Score3

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	2.16
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	98.2%
Cap/Sales	5.84%
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-Score3

WACC5.51%

ROIC/WACCN/A

Cap/Depr(3y)116.85%

Cap/Depr(5y)110.82%

Cap/Sales(3y)6.27%

Cap/Sales(5y)6.54%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-17.31%

EPS 3Y37.89%

EPS 5Y14.13%

EPS Q2Q%-1.59%

EPS Next Y1.3%

EPS Next 2Y0.49%

EPS Next 3Y1.52%

EPS Next 5YN/A

Revenue 1Y (TTM)-1.79%

Revenue growth 3Y7.83%

Revenue growth 5Y16.87%

Sales Q2Q%5.38%

Revenue Next Year-3.46%

Revenue Next 2Y-1.65%

Revenue Next 3Y-0.41%

Revenue Next 5Y-1.03%

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 1Y24.93%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y27.03%

OCF growth 3YN/A

OCF growth 5YN/A

BPER BANCA SPA (BPE.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