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BPER BANCA SPA (BPE.MI) Stock Fundamental Analysis

Europe - BIT:BPE - IT0000066123 - Common Stock

10.36 EUR
-0.41 (-3.81%)
Last: 11/14/2025, 7:00:00 PM
Fundamental Rating

2

BPE gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 96 industry peers in the Banks industry. Both the profitability and financial health of BPE have multiple concerns. BPE has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

BPE had positive earnings in the past year.
In the past year BPE has reported a negative cash flow from operations.
Each year in the past 5 years BPE has been profitable.
The reported operating cash flow has been mixed in the past 5 years: BPE reported negative operating cash flow in multiple 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B

1.2 Ratios

With a decent Return On Assets value of 1.09%, BPE is doing good in the industry, outperforming 71.88% of the companies in the same industry.
BPE has a Return On Equity of 13.84%. This is in the better half of the industry: BPE outperforms 71.88% of its industry peers.
Industry RankSector 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
BPE.MI Yearly ROA, ROE, ROICBPE.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

The Profit Margin of BPE (25.86%) is better than 67.71% 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) 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
BPE.MI Yearly Profit, Operating, Gross MarginsBPE.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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0

2. Health

2.1 Basic Checks

BPE does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BPE has about the same amount of shares outstanding.
Compared to 5 years ago, BPE has more shares outstanding
Compared to 1 year ago, BPE has a worse debt to assets ratio.
BPE.MI Yearly Shares OutstandingBPE.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B
BPE.MI Yearly Total Debt VS Total AssetsBPE.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

2.2 Solvency

BPE has a Debt/Equity ratio of 2.36. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 2.36, BPE perfoms like the industry average, outperforming 45.83% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.36
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.9%
BPE.MI Yearly LT Debt VS Equity VS FCFBPE.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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4

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

The Earnings Per Share is expected to grow by 4.36% on average over the next years.
Based on estimates for the next years, BPE will show a quite strong growth in Revenue. The Revenue will grow by 8.10% on average per year.
EPS Next Y3.03%
EPS Next 2Y4.32%
EPS Next 3Y5.27%
EPS Next 5Y4.36%
Revenue Next Year12.59%
Revenue Next 2Y10.88%
Revenue Next 3Y8.01%
Revenue Next 5Y8.1%

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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BPE.MI Yearly Revenue VS EstimatesBPE.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B
BPE.MI Yearly EPS VS EstimatesBPE.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 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. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.68 indicates a reasonable valuation of BPE.
BPE's Price/Earnings is on the same level as the industry average.
BPE is valuated cheaply when we compare the Price/Earnings ratio to 25.89, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.81, which indicates a very decent valuation of BPE.
BPE's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BPE is cheaper than 66.67% of the companies in the same industry.
BPE is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.59, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.68
Fwd PE 9.81
BPE.MI Price Earnings VS Forward Price EarningsBPE.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 0 2 4

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.52
PEG (5Y)0.76
EPS Next 2Y4.32%
EPS Next 3Y5.27%

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0

5. Dividend

5.1 Amount

BPE does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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BPER BANCA SPA

BIT:BPE (11/14/2025, 7:00:00 PM)

10.36

-0.41 (-3.81%)

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 Owners27.41%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap20.35B
Revenue(TTM)6.12B
Net Income(TTM)1.58B
Analysts82.67
Price Target11.52 (11.2%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)8.23%
PT rev (3m)24.28%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)4.93%
EPS NY rev (3m)1.71%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)3.63%
Revenue NY rev (3m)15.61%
Valuation
Industry RankSector Rank
PE 10.68
Fwd PE 9.81
P/S 3.33
P/FCF N/A
P/OCF N/A
P/B 1.78
P/tB 1.9
EV/EBITDA N/A
EPS(TTM)0.97
EY9.36%
EPS(NY)1.06
Fwd EY10.19%
FCF(TTM)-0.31
FCFYN/A
OCF(TTM)-0.14
OCFYN/A
SpS3.11
BVpS5.82
TBVpS5.46
PEG (NY)3.52
PEG (5Y)0.76
Graham Number11.27
Profitability
Industry RankSector 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 RankSector 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
WACC5.9%
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 Y3.03%
EPS Next 2Y4.32%
EPS Next 3Y5.27%
EPS Next 5Y4.36%
Revenue 1Y (TTM)-2.04%
Revenue growth 3Y7.83%
Revenue growth 5Y16.87%
Sales Q2Q%9.46%
Revenue Next Year12.59%
Revenue Next 2Y10.88%
Revenue Next 3Y8.01%
Revenue Next 5Y8.1%
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 3.03% 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%.