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 96 industry peers in the Banks industry. BPE may be in some trouble as it scores bad on both profitability and health. BPE has a decent growth rate and is not valued too expensively.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year BPE was profitable.

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

In multiple years BPE reported negative operating cash flow during the last 5 years.

1.2 Ratios

BPE's Return On Assets of 1.09% is fine compared to the rest of the industry. BPE outperforms 75.00% of its industry peers.

BPE's Return On Equity of 13.84% is fine compared to the rest of the industry. BPE outperforms 72.92% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

Looking at the Profit Margin, with a value of 25.87%, BPE is in the better half of the industry, outperforming 71.88% of the companies in the same industry.

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)	25.87%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

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

The number of shares outstanding for BPE remains at a similar level compared to 1 year ago.

The number of shares outstanding for BPE has been increased compared to 5 years ago.

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

2.2 Solvency

BPE has a Debt/Equity ratio of 0.89. This is a neutral value indicating BPE is somewhat dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.89, BPE is in the better half of the industry, outperforming 77.08% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.89
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.71%

2.3 Liquidity

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

BPE shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.66%.

BPE shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.13% yearly.

BPE shows a decrease in Revenue. In the last year, the revenue decreased by -2.08%.

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)3.66%

EPS 3Y37.89%

EPS 5Y14.13%

EPS Q2Q%72.39%

Revenue 1Y (TTM)-2.08%

Revenue growth 3Y7.83%

Revenue growth 5Y16.87%

Sales Q2Q%9.29%

3.2 Future

The Earnings Per Share is expected to grow by 4.93% on average over the next years.

The Revenue is expected to grow by 7.75% on average over the next years.

EPS Next Y-1.68%

EPS Next 2Y3.57%

EPS Next 3Y4.26%

EPS Next 5Y4.93%

Revenue Next Year5%

Revenue Next 2Y5.72%

Revenue Next 3Y4.55%

Revenue Next 5Y7.75%

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

BPE is valuated reasonably with a Price/Earnings ratio of 9.16.

Compared to the rest of the industry, the Price/Earnings ratio of BPE indicates a somewhat cheap valuation: BPE is cheaper than 63.54% of the companies listed in the same industry.

BPE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.13.

With a Price/Forward Earnings ratio of 8.54, the valuation of BPE can be described as very reasonable.

81.25% of the companies in the same industry are more expensive than BPE, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.76, BPE is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.16
Fwd PE	8.54

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)0.65

EPS Next 2Y3.57%

EPS Next 3Y4.26%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

BPE has a Yearly Dividend Yield of 6.76%, which is a nice return.

BPE's Dividend Yield is rather good when compared to the industry average which is at 5.01. BPE pays more dividend than 80.21% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.32, BPE pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.76%

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

BPE has negative earnings and hence a negative payout ratio. The dividend may be in danger.

BPE's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP-0.06%

EPS Next 2Y3.57%

EPS Next 3Y4.26%

More info and screens

Find the best dividend stocks

Show peers with best dividend

BPER BANCA SPA

BIT:BPE (9/1/2025, 12:04:53 PM)

8.884

+0.01 (+0.07%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)11-05 2025-11-05

Inst Owners19.82%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap17.32B

Analysts83.08

Price Target10.23 (15.15%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.76%

Yearly Dividend0.32

Dividend Growth(5Y)25.71%

DP-0.06%

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)10.31%

PT rev (3m)18.03%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)-2.94%

EPS NY rev (3m)-2.94%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)7.82%

Revenue NY rev (3m)8.77%

Valuation

		Industry Rank	Sector Rank
PE	9.16
Fwd PE	8.54
P/S	2.83
P/FCF	N/A
P/OCF	N/A
P/B	1.51
P/tB	1.62
EV/EBITDA	N/A

EPS(TTM)0.97

EY10.92%

EPS(NY)1.04

Fwd EY11.71%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS3.14

BVpS5.86

TBVpS5.5

PEG (NY)N/A

PEG (5Y)0.65

Profitability

		Industry Rank	Sector Rank
ROA	1.09%
ROE	13.84%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.87%
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-ScoreN/A

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.89
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

WACC5.71%

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)3.66%

EPS 3Y37.89%

EPS 5Y14.13%

EPS Q2Q%72.39%

EPS Next Y-1.68%

EPS Next 2Y3.57%

EPS Next 3Y4.26%

EPS Next 5Y4.93%

Revenue 1Y (TTM)-2.08%

Revenue growth 3Y7.83%

Revenue growth 5Y16.87%

Sales Q2Q%9.29%

Revenue Next Year5%

Revenue Next 2Y5.72%

Revenue Next 3Y4.55%

Revenue Next 5Y7.75%

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