BPER BANCA SPA (BPE.MI) Fundamental Analysis & Valuation
BIT:BPE • IT0000066123
11.45 EUR
+0.44 (+4.04%)
Last: Mar 4, 2026, 07:00 PM
This BPE.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
BPE gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 106 industry peers in the Banks industry. BPE has a bad profitability rating. Also its financial health evaluation is rather negative. BPE has a correct valuation and a medium growth rate. BPE also has an excellent dividend rating.
1. BPE.MI Profitability Analysis
1.1 Basic Checks
- BPE had positive earnings in the past year.
- 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
- With a Return On Assets value of 0.89%, BPE perfoms like the industry average, outperforming 54.72% of the companies in the same industry.
- BPE has a Return On Equity (10.98%) which is comparable to the rest of the industry.
| Industry Rank | Sector 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
1.3 Margins
- With a decent Profit Margin value of 26.05%, BPE is doing good in the industry, outperforming 65.09% of the companies in the same industry.
- BPE's Profit Margin has improved in the last couple of years.
- The Operating Margin and Gross Margin are not available for BPE so they could not be analyzed.
| Industry Rank | Sector 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
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.
- The number of shares outstanding for BPE has been increased compared to 1 year ago.
- BPE has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, BPE has an improved debt to assets ratio.
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.
- BPE has a Debt to Equity ratio of 0.87. This is in the better half of the industry: BPE outperforms 71.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.87 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.97%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
- Looking at the last year, BPE shows a quite strong growth in Revenue. The Revenue has grown by 13.91% in the last year.
- 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
- BPE is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.12% yearly.
- The Revenue is expected to grow by 6.70% on average over the next years.
EPS Next Y8.97%
EPS Next 2Y6.09%
EPS Next 3Y6.79%
EPS Next 5Y6.12%
Revenue Next Year17.16%
Revenue Next 2Y15.37%
Revenue Next 3Y11.08%
Revenue Next 5Y6.7%
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.
4. BPE.MI Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 11.80, the valuation of BPE can be described as very reasonable.
- BPE's Price/Earnings is on the same level as the industry average.
- BPE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.03.
- Based on the Price/Forward Earnings ratio of 10.49, the valuation of BPE can be described as reasonable.
- BPE's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BPE is cheaper than 65.09% of the companies in the same industry.
- BPE is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.11, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.8 | ||
| Fwd PE | 10.49 |
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)1.32
PEG (5Y)0.84
EPS Next 2Y6.09%
EPS Next 3Y6.79%
5. BPE.MI Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 6.09%, BPE is a good candidate for dividend investing.
- BPE's Dividend Yield is rather good when compared to the industry average which is at 4.33. BPE pays more dividend than 81.13% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, BPE pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.09% |
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
- BPE's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y6.09%
EPS Next 3Y6.79%
BPE.MI Fundamentals: All Metrics, Ratios and Statistics
BIT:BPE (3/4/2026, 7:00:00 PM)
11.45
+0.44 (+4.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03 2026-02-03/amc
Earnings (Next)05-06 2026-05-06
Inst Owners32.29%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap22.49B
Revenue(TTM)6.98B
Net Income(TTM)1.82B
Analysts83.75
Price Target13.96 (21.92%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.09% |
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)11.69%
PT rev (3m)14.28%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)3.43%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.85%
Revenue NY rev (3m)8.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.8 | ||
| Fwd PE | 10.49 | ||
| P/S | 3.22 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.36 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.97
EY8.47%
EPS(NY)1.09
Fwd EY9.53%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.55
BVpS8.43
TBVpS7.61
PEG (NY)1.32
PEG (5Y)0.84
Graham Number13.57
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC5.97%
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 Y8.97%
EPS Next 2Y6.09%
EPS Next 3Y6.79%
EPS Next 5Y6.12%
Revenue 1Y (TTM)13.91%
Revenue growth 3Y7.83%
Revenue growth 5Y16.87%
Sales Q2Q%34.41%
Revenue Next Year17.16%
Revenue Next 2Y15.37%
Revenue Next 3Y11.08%
Revenue Next 5Y6.7%
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 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 11.8 and the Price/Book (PB) ratio is 1.36.
Can you provide the financial health for BPE stock?
The financial health rating of BPER BANCA SPA (BPE.MI) is 1 / 10.