BPE Fundamental Analysis - BPER BANCA SPA

Fundamental Rating

Overall BPE gets a fundamental rating of 2 out of 10. We evaluated BPE against 113 industry peers in the Banks industry. BPE has a bad profitability rating. Also its financial health evaluation is rather negative. BPE is not valued too expensively and it also shows a decent growth rate.

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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.

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

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 1.09% is fine compared to the rest of the industry. BPE outperforms 71.68% of its industry peers.

With a decent Return On Equity value of 13.84%, BPE is doing good in the industry, outperforming 70.80% of the companies in the same industry.

		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

With a decent Profit Margin value of 25.86%, BPE is doing good in the industry, outperforming 63.72% 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)	25.86%
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

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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.

The debt/assets ratio for BPE is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 2.36 is on the high side and indicates that BPE has dependencies on debt financing.

BPE has a Debt to Equity ratio (2.36) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.36
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.86%

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

The Earnings Per Share has been growing slightly by 2.36% over the past year.

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

BPE shows a decrease in Revenue. In the last year, the revenue decreased by -2.04%.

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)2.36%

EPS 3Y37.89%

EPS 5Y14.13%

EPS Q2Q%65.08%

Revenue 1Y (TTM)-2.04%

Revenue growth 3Y7.83%

Revenue growth 5Y16.87%

Sales Q2Q%9.46%

3.2 Future

BPE is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.12% yearly.

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 Y6.49%

EPS Next 2Y5.8%

EPS Next 3Y6.45%

EPS Next 5Y6.12%

Revenue Next Year16.19%

Revenue Next 2Y14.13%

Revenue Next 3Y10.1%

Revenue Next 5Y8.74%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.95, the valuation of BPE can be described as reasonable.

The rest of the industry has a similar Price/Earnings ratio as BPE.

Compared to an average S&P500 Price/Earnings ratio of 26.34, BPE is valued rather cheaply.

The Price/Forward Earnings ratio is 9.78, which indicates a very decent valuation of BPE.

Based on the Price/Forward Earnings ratio, BPE is valued a bit cheaper than 74.34% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 23.56. BPE is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	10.95
Fwd PE	9.78

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.69

PEG (5Y)0.78

EPS Next 2Y5.8%

EPS Next 3Y6.45%

More info and screens

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5. Dividend

5.1 Amount

BPE does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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BPER BANCA SPA

BIT:BPE (12/9/2025, 5:36:15 PM)

10.62

+0.15 (+1.43%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)11-05 2025-11-05

Earnings (Next)02-04 2026-02-04/amc

Inst Owners36.86%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap20.86B

Revenue(TTM)6.12B

Net Income(TTM)1.58B

Analysts84

Price Target12.23 (15.16%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

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)6.16%

PT rev (3m)14.89%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)3.36%

EPS NY rev (3m)8.31%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)3.2%

Revenue NY rev (3m)10.66%

Valuation

		Industry Rank	Sector Rank
PE	10.95
Fwd PE	9.78
P/S	3.41
P/FCF	N/A
P/OCF	N/A
P/B	1.82
P/tB	1.95
EV/EBITDA	N/A

EPS(TTM)0.97

EY9.13%

EPS(NY)1.09

Fwd EY10.22%

FCF(TTM)-0.31

FCFYN/A

OCF(TTM)-0.14

OCFYN/A

SpS3.11

BVpS5.82

TBVpS5.46

PEG (NY)1.69

PEG (5Y)0.78

Graham Number11.27

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)	25.86%
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 Rank	Sector 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

WACC5.86%

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)2.36%

EPS 3Y37.89%

EPS 5Y14.13%

EPS Q2Q%65.08%

EPS Next Y6.49%

EPS Next 2Y5.8%

EPS Next 3Y6.45%

EPS Next 5Y6.12%

Revenue 1Y (TTM)-2.04%

Revenue growth 3Y7.83%

Revenue growth 5Y16.87%

Sales Q2Q%9.46%

Revenue Next Year16.19%

Revenue Next 2Y14.13%

Revenue Next 3Y10.1%

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.

Can you provide the valuation status for BPER BANCA SPA?

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 earnings growth outlook for BPER BANCA SPA?

The Earnings per Share (EPS) of BPER BANCA SPA (BPE.MI) is expected to grow by 6.49% in the next year.

Is the dividend of BPER BANCA SPA sustainable?

The dividend rating of BPER BANCA SPA (BPE.MI) is 0 / 10 and the dividend payout ratio is 55.59%.

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

More info and screens

BPER BANCA SPA / BPE.MI FAQ

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

Can you provide the valuation status for BPER BANCA SPA?

Can you provide the profitability details for BPER BANCA SPA?

What is the earnings growth outlook for BPER BANCA SPA?

Is the dividend of BPER BANCA SPA sustainable?