BPE Fundamental Analysis - BPER BANCA SPA

Fundamental Rating

BPE gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 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 valuation in line with the averages, but on the other hand it scores bad on growth. Finally BPE also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year BPE was profitable.

BPE had a negative operating cash flow in the past year.

In the past 5 years BPE has always been profitable.

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

1.2 Ratios

BPE has a Return On Assets of 1.00%. This is in the better half of the industry: BPE outperforms 70.83% of its industry peers.

With a decent Return On Equity value of 12.35%, BPE is doing good in the industry, outperforming 62.50% of the companies in the same industry.

		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

With a Profit Margin value of 22.89%, BPE perfoms like the industry average, outperforming 59.38% 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)	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.

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

Compared to 1 year ago, BPE has a worse debt to assets ratio.

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

WACC5.74%

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%.

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 decreased by -1.79% in the past year.

BPE shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.87% yearly.

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.

BPE is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.59% yearly.

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-0.59%

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

The Price/Earnings ratio is 7.68, which indicates a rather cheap valuation of BPE.

Based on the Price/Earnings ratio, BPE is valued a bit cheaper than 73.96% of the companies in the same industry.

When comparing the Price/Earnings ratio of BPE to the average of the S&P500 Index (26.34), we can say BPE is valued rather cheaply.

A Price/Forward Earnings ratio of 7.61 indicates a rather cheap valuation of BPE.

Based on the Price/Forward Earnings ratio, BPE is valued cheaper than 80.21% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of BPE to the average of the S&P500 Index (22.19), we can say BPE is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7.68
Fwd PE	7.61

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 BPE does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)5.92

PEG (5Y)0.54

EPS Next 2Y0.49%

EPS Next 3Y1.52%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.85%, BPE is a good candidate for dividend investing.

BPE's Dividend Yield is rather good when compared to the industry average which is at 5.14. BPE pays more dividend than 94.79% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.40, BPE pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.85%

5.2 History

On average, the dividend of BPE grows each year by 25.71%, which is quite nice.

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 (6/19/2025, 7:00:00 PM)

7.45

-0.15 (-1.97%)

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 Cap10.59B

Analysts81.67

Price Target9.17 (23.09%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.85%

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)5.81%

PT rev (3m)14.22%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)1.48%

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	7.68
Fwd PE	7.61
P/S	1.73
P/FCF	N/A
P/OCF	N/A
P/B	0.93
P/tB	1
EV/EBITDA	N/A

EPS(TTM)0.97

EY13.02%

EPS(NY)0.98

Fwd EY13.15%

FCF(TTM)-2.01

FCFYN/A

OCF(TTM)-1.76

OCFYN/A

SpS4.31

BVpS7.99

TBVpS7.49

PEG (NY)5.92

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

WACC5.74%

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-0.59%

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