BPER BANCA SPA (BPE.MI) Stock Fundamental Analysis

Europe • Euronext Milan • BIT:BPE • IT0000066123

12.775 EUR
+0.14 (+1.11%)
Last: Feb 9, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to BPE. BPE was compared to 114 industry peers in the Banks industry. BPE has a bad profitability rating. Also its financial health evaluation is rather negative. BPE is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • BPE had positive earnings in the past year.
  • BPE had a negative operating cash flow in the past year.
  • Each year in the past 5 years BPE has been profitable.
  • In multiple years BPE reported negative operating cash flow during the last 5 years.
BPE.MI Yearly Net Income VS EBIT VS OCF VS FCFBPE.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 0 5B 10B

1.2 Ratios

  • BPE has a Return On Assets of 1.09%. This is in the better half of the industry: BPE outperforms 64.04% of its industry peers.
  • Looking at the Return On Equity, with a value of 13.84%, BPE is in the better half of the industry, outperforming 67.54% of the companies in the same industry.
Industry RankSector Rank
ROA 1.09%
ROE 13.84%
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
BPE.MI Yearly ROA, ROE, ROICBPE.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • With a decent Profit Margin value of 25.86%, BPE is doing good in the industry, outperforming 63.16% of the companies in the same industry.
  • In the last couple of years the Profit Margin of BPE has grown nicely.
  • The Operating Margin and Gross Margin are not available for BPE so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.86%
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
BPE.MI Yearly Profit, Operating, Gross MarginsBPE.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. Health

2.1 Basic Checks

  • BPE does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, BPE has about the same amount of shares outstanding.
  • Compared to 5 years ago, BPE has more shares outstanding
  • The debt/assets ratio for BPE is higher compared to a year ago.
BPE.MI Yearly Shares OutstandingBPE.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B
BPE.MI Yearly Total Debt VS Total AssetsBPE.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

2.2 Solvency

  • BPE has a Debt/Equity ratio of 2.36. This is a high value indicating a heavy dependency on external financing.
  • BPE's Debt to Equity ratio of 2.36 is on the low side compared to the rest of the industry. BPE is outperformed by 62.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.36
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.16%
BPE.MI Yearly LT Debt VS Equity VS FCFBPE.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BPE.MI Yearly Current Assets VS Current LiabilitesBPE.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

More info and screens

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

5

3. Growth

3.1 Past

  • BPE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.41%, which is quite good.
  • The Earnings Per Share has been growing by 14.13% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 4.71% 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)11.41%
EPS 3Y37.89%
EPS 5Y14.13%
EPS Q2Q%40.31%
Revenue 1Y (TTM)4.71%
Revenue growth 3Y7.83%
Revenue growth 5Y16.87%
Sales Q2Q%41.38%

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 6.12% on average per year.
  • Based on estimates for the next years, BPE will show a quite strong growth in Revenue. The Revenue will grow by 8.74% on average per year.
EPS Next Y8.97%
EPS Next 2Y6.09%
EPS Next 3Y6.79%
EPS Next 5Y6.12%
Revenue Next Year16.46%
Revenue Next 2Y14.32%
Revenue Next 3Y10.2%
Revenue Next 5Y8.74%

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.
BPE.MI Yearly Revenue VS EstimatesBPE.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B
BPE.MI Yearly EPS VS EstimatesBPE.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.2 0.4 0.6 0.8 1

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3

4. Valuation

4.1 Price/Earnings Ratio

  • BPE is valuated correctly with a Price/Earnings ratio of 13.17.
  • Based on the Price/Earnings ratio, BPE is valued a bit more expensive than the industry average as 71.05% of the companies are valued more cheaply.
  • BPE is valuated cheaply when we compare the Price/Earnings ratio to 28.06, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 11.70, which indicates a very decent valuation of BPE.
  • The rest of the industry has a similar Price/Forward Earnings ratio as BPE.
  • When comparing the Price/Forward Earnings ratio of BPE to the average of the S&P500 Index (27.86), we can say BPE is valued rather cheaply.
Industry RankSector Rank
PE 13.17
Fwd PE 11.7
BPE.MI Price Earnings VS Forward Price EarningsBPE.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
BPE.MI Per share dataBPE.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4

4.3 Compensation for Growth

  • BPE's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.47
PEG (5Y)0.93
EPS Next 2Y6.09%
EPS Next 3Y6.79%

More info and screens

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

0

5. Dividend

5.1 Amount

  • BPE does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

BPER BANCA SPA

BIT:BPE (2/9/2026, 7:00:00 PM)

12.775

+0.14 (+1.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)05-05
Inst Owners32.29%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap25.09B
Revenue(TTM)6.54B
Net Income(TTM)1.58B
Analysts84
Price Target13.35 (4.5%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.32
Dividend Growth(5Y)25.71%
DP55.59%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)9.26%
PT rev (3m)15.89%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.64%
EPS NY rev (3m)5.77%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.44%
Valuation
Industry RankSector Rank
PE 13.17
Fwd PE 11.7
P/S 4.1
P/FCF N/A
P/OCF N/A
P/B 2.19
P/tB 2.34
EV/EBITDA N/A
EPS(TTM)0.97
EY7.59%
EPS(NY)1.09
Fwd EY8.55%
FCF(TTM)-0.31
FCFYN/A
OCF(TTM)-0.14
OCFYN/A
SpS3.11
BVpS5.82
TBVpS5.46
PEG (NY)1.47
PEG (5Y)0.93
Graham Number11.27
Profitability
Industry RankSector Rank
ROA 1.09%
ROE 13.84%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.86%
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
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 3Y28.67%
PM growth 5Y11.13%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.36
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 87.97%
Cap/Sales 5.49%
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
WACC6.16%
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)11.41%
EPS 3Y37.89%
EPS 5Y14.13%
EPS Q2Q%40.31%
EPS Next Y8.97%
EPS Next 2Y6.09%
EPS Next 3Y6.79%
EPS Next 5Y6.12%
Revenue 1Y (TTM)4.71%
Revenue growth 3Y7.83%
Revenue growth 5Y16.87%
Sales Q2Q%41.38%
Revenue Next Year16.46%
Revenue Next 2Y14.32%
Revenue Next 3Y10.2%
Revenue Next 5Y8.74%
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 1Y-108.7%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-103.72%
OCF growth 3YN/A
OCF growth 5YN/A

BPER BANCA SPA / BPE.MI FAQ

Can you provide the ChartMill fundamental rating for BPER BANCA SPA?

ChartMill assigns a fundamental rating of 2 / 10 to BPE.MI.


What is the valuation status of BPER BANCA SPA (BPE.MI) stock?

ChartMill assigns a valuation rating of 3 / 10 to BPER BANCA SPA (BPE.MI). This can be considered as Overvalued.


Can you provide the profitability details for BPER BANCA SPA?

BPER BANCA SPA (BPE.MI) has a profitability rating of 3 / 10.


What is the valuation of BPER BANCA SPA based on its PE and PB ratios?

The Price/Earnings (PE) ratio for BPER BANCA SPA (BPE.MI) is 13.17 and the Price/Book (PB) ratio is 2.19.


Can you provide the financial health for BPE stock?

The financial health rating of BPER BANCA SPA (BPE.MI) is 0 / 10.