BPER BANCA SPA (BPE.MI) Fundamental Analysis & Valuation

BIT:BPE • IT0000066123

Current stock price

10.885 EUR
-0.09 (-0.77%)
Last:

This BPE.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. BPE.MI Profitability Analysis

1.1 Basic Checks

  • BPE had positive earnings 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 2025 0 5B 10B

1.2 Ratios

  • BPE has a Return On Assets (0.89%) which is in line with its industry peers.
  • With a Return On Equity value of 10.98%, BPE perfoms like the industry average, outperforming 49.56% of the companies in the same industry.
Industry RankSector Rank
ROA 0.89%
ROE 10.98%
ROIC N/A
ROA(3y)0.99%
ROA(5y)0.86%
ROE(3y)13.18%
ROE(5y)13.13%
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 2025 5 10 15

1.3 Margins

  • BPE's Profit Margin of 26.05% is fine compared to the rest of the industry. BPE outperforms 63.72% 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 RankSector Rank
OM N/A
PM (TTM) 26.05%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.96%
PM growth 5Y23.56%
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 2025 5 10 15 20 25

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1

2. BPE.MI Health Analysis

2.1 Basic Checks

  • BPE does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • BPE has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for BPE has been increased compared to 5 years ago.
  • The debt/assets ratio for BPE has been reduced 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 2025 500M 1B 1.5B
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 2025 50B 100B 150B 200B

2.2 Solvency

  • BPE has a Debt/Equity ratio of 0.87. This is a neutral value indicating BPE is somewhat dependend on debt financing.
  • The Debt to Equity ratio of BPE (0.87) is better than 71.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.01%
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 2025 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 2025 2B 4B 6B

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

6

3. BPE.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 23.54% over the past year.
  • Measured over the past years, BPE shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.13% on average per year.
  • The Revenue has grown by 13.91% in the past year. This is quite good.
  • The Revenue has been growing by 16.87% on average over the past years. This is quite good.
EPS 1Y (TTM)23.54%
EPS 3Y37.89%
EPS 5Y14.13%
EPS Q2Q%155.56%
Revenue 1Y (TTM)13.91%
Revenue growth 3Y7.83%
Revenue growth 5Y16.87%
Sales Q2Q%34.41%

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 7.93% on average per year.
  • The Revenue is expected to grow by 8.04% on average over the next years. This is quite good.
EPS Next Y8.73%
EPS Next 2Y8.08%
EPS Next 3Y8.5%
EPS Next 5Y7.93%
Revenue Next Year17.16%
Revenue Next 2Y15.49%
Revenue Next 3Y11.17%
Revenue Next 5Y8.04%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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 2029 2B 4B 6B 8B
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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4

4. BPE.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.22, which indicates a very decent valuation of BPE.
  • BPE's Price/Earnings ratio is a bit more expensive when compared to the industry. BPE is more expensive than 61.95% of the companies in the same industry.
  • BPE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.71.
  • A Price/Forward Earnings ratio of 9.61 indicates a reasonable valuation of BPE.
  • Based on the Price/Forward Earnings ratio, BPE is valued a bit cheaper than 67.26% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.83, BPE is valued rather cheaply.
Industry RankSector Rank
PE 11.22
Fwd PE 9.61
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 2 4 6 8

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)1.28
PEG (5Y)0.79
EPS Next 2Y8.08%
EPS Next 3Y8.5%

More info and screens

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

6

5. BPE.MI Dividend Analysis

5.1 Amount

  • BPE has a Yearly Dividend Yield of 5.98%, which is a nice return.
  • BPE's Dividend Yield is a higher than the industry average which is at 4.66.
  • Compared to an average S&P500 Dividend Yield of 1.91, BPE pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.98%

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

  • The dividend of BPE is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y8.08%
EPS Next 3Y8.5%
BPE.MI Yearly Income VS Free CF VS DividendBPE.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B

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BPE.MI Fundamentals: All Metrics, Ratios and Statistics

BPER BANCA SPA

BIT:BPE (3/16/2026, 10:16:09 AM)

10.885

-0.09 (-0.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03
Earnings (Next)05-06
Inst Owners39.91%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap21.38B
Revenue(TTM)6.98B
Net Income(TTM)1.82B
Analysts83.75
Price Target13.96 (28.25%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.98%
Yearly Dividend0.32
Dividend Growth(5Y)25.71%
DP0%
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)4.52%
PT rev (3m)14.11%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.78%
EPS NY rev (3m)4.36%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.06%
Revenue NY rev (3m)2.4%
Valuation
Industry RankSector Rank
PE 11.22
Fwd PE 9.61
P/S 3.06
P/FCF N/A
P/OCF N/A
P/B 1.29
P/tB 1.43
EV/EBITDA N/A
EPS(TTM)0.97
EY8.91%
EPS(NY)1.13
Fwd EY10.41%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.55
BVpS8.43
TBVpS7.61
PEG (NY)1.28
PEG (5Y)0.79
Graham Number13.57
Profitability
Industry RankSector Rank
ROA 0.89%
ROE 10.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.05%
GM N/A
FCFM N/A
ROA(3y)0.99%
ROA(5y)0.86%
ROE(3y)13.18%
ROE(5y)13.13%
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 3Y-1.96%
PM growth 5Y23.56%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.87
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
WACC6.01%
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)23.54%
EPS 3Y37.89%
EPS 5Y14.13%
EPS Q2Q%155.56%
EPS Next Y8.73%
EPS Next 2Y8.08%
EPS Next 3Y8.5%
EPS Next 5Y7.93%
Revenue 1Y (TTM)13.91%
Revenue growth 3Y7.83%
Revenue growth 5Y16.87%
Sales Q2Q%34.41%
Revenue Next Year17.16%
Revenue Next 2Y15.49%
Revenue Next 3Y11.17%
Revenue Next 5Y8.04%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-2.86%
EBIT Next 3Y3.73%
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

BPER BANCA SPA / BPE.MI Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 3 / 10 to BPE.MI.


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

ChartMill assigns a valuation rating of 4 / 10 to BPER BANCA SPA (BPE.MI). This can be considered as Fairly Valued.


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 11.22 and the Price/Book (PB) ratio is 1.29.


Can you provide the financial health for BPE stock?

The financial health rating of BPER BANCA SPA (BPE.MI) is 1 / 10.