BANCO BPM SPA (BPM.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:BPM - IT0005218380 - Common Stock
12.685 EUR
-0.11 (-0.86%)
Overall BPM gets a fundamental rating of 4 out of 10. We evaluated BPM against 118 industry peers in the Banks industry. While BPM is still in line with the averages on profitability rating, there are concerns on its financial health. BPM has a decent growth rate and is not valued too expensively. Finally BPM also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- BPM had positive earnings in the past year.
- BPM had a positive operating cash flow in the past year.
- BPM had positive earnings in each of the past 5 years.
- The reported operating cash flow has been mixed in the past 5 years: BPM reported negative operating cash flow in multiple years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.82%, BPM belongs to the top of the industry, outperforming 91.53% of the companies in the same industry.
- BPM's Return On Equity of 25.17% is amongst the best of the industry. BPM outperforms 98.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.82% | ||
| ROE | 25.17% | ||
| ROIC | N/A |
ROA(3y)0.65%
ROA(5y)0.45%
ROE(3y)9.14%
ROE(5y)6.39%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 24.87%, BPM is in line with its industry, outperforming 56.78% of the companies in the same industry.
- In the last couple of years the Profit Margin of BPM has remained more or less at the same level.
- The Operating Margin and Gross Margin are not available for BPM so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.87% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.18%
PM growth 5Y1.2%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- BPM does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for BPM has been reduced compared to 1 year ago.
- Compared to 5 years ago, BPM has less shares outstanding
- The debt/assets ratio for BPM is higher compared to a year ago.
2.2 Solvency
- BPM has a debt to FCF ratio of 10.74. This is a negative value and a sign of low solvency as BPM would need 10.74 years to pay back of all of its debts.
- The Debt to FCF ratio of BPM (10.74) is better than 77.12% of its industry peers.
- A Debt/Equity ratio of 2.07 is on the high side and indicates that BPM has dependencies on debt financing.
- BPM has a Debt to Equity ratio (2.07) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.07 | ||
| Debt/FCF | 10.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.63%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- BPM shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.16%.
- Measured over the past years, BPM shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.15% on average per year.
- BPM shows a small growth in Revenue. In the last year, the Revenue has grown by 4.51%.
- The Revenue has been growing by 17.82% on average over the past years. This is quite good.
EPS 1Y (TTM)-6.16%
EPS 3Y49.52%
EPS 5Y19.15%
EPS Q2Q%-51.77%
Revenue 1Y (TTM)4.51%
Revenue growth 3Y37.38%
Revenue growth 5Y17.82%
Sales Q2Q%-2.11%
3.2 Future
- BPM is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.09% yearly.
- The Revenue is expected to grow by 3.81% on average over the next years.
EPS Next Y2.23%
EPS Next 2Y-0.15%
EPS Next 3Y1.74%
EPS Next 5Y2.09%
Revenue Next Year5.43%
Revenue Next 2Y4.22%
Revenue Next 3Y3.81%
Revenue Next 5Y3.81%
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. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 10.15, the valuation of BPM can be described as reasonable.
- Based on the Price/Earnings ratio, BPM is valued a bit cheaper than 77.97% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.47. BPM is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 10.00 indicates a reasonable valuation of BPM.
- Based on the Price/Forward Earnings ratio, BPM is valued cheaply inside the industry as 81.36% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, BPM is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.15 | ||
| Fwd PE | 10 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, BPM is valued a bit cheaper than the industry average as 77.12% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.55 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BPM does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)4.55
PEG (5Y)0.53
EPS Next 2Y-0.15%
EPS Next 3Y1.74%
5. Dividend
5.1 Amount
- BPM has a Yearly Dividend Yield of 7.85%, which is a nice return.
- Compared to an average industry Dividend Yield of 4.05, BPM pays a better dividend. On top of this BPM pays more dividend than 96.61% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.89, BPM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.85% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
- 39.26% of the earnings are spent on dividend by BPM. This is a low number and sustainable payout ratio.
DP39.26%
EPS Next 2Y-0.15%
EPS Next 3Y1.74%
FRA:BPM (1/16/2026, 7:00:00 PM)
12.685
-0.11 (-0.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-06 2025-11-06/dmh
Earnings (Next)02-09 2026-02-09/amc
Inst Owners53.02%
Inst Owner ChangeN/A
Ins Owners2.15%
Ins Owner ChangeN/A
Market Cap19.22B
Revenue(TTM)15.42B
Net Income(TTM)3.84B
Analysts68.18
Price Target13.19 (3.98%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.85% |
Yearly Dividend0.96
Dividend Growth(5Y)N/A
DP39.26%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)20.11%
Min EPS beat(2)14.94%
Max EPS beat(2)25.27%
EPS beat(4)3
Avg EPS beat(4)41.88%
Min EPS beat(4)-22.6%
Max EPS beat(4)149.92%
EPS beat(8)6
Avg EPS beat(8)32.21%
EPS beat(12)9
Avg EPS beat(12)24.58%
EPS beat(16)13
Avg EPS beat(16)29.86%
Revenue beat(2)1
Avg Revenue beat(2)1.22%
Min Revenue beat(2)-0.18%
Max Revenue beat(2)2.62%
Revenue beat(4)3
Avg Revenue beat(4)90.53%
Min Revenue beat(4)-0.18%
Max Revenue beat(4)354.56%
Revenue beat(8)7
Avg Revenue beat(8)128.16%
Revenue beat(12)11
Avg Revenue beat(12)108.98%
Revenue beat(16)15
Avg Revenue beat(16)90.2%
PT rev (1m)-0.53%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.9%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.15 | ||
| Fwd PE | 10 | ||
| P/S | 1.24 | ||
| P/FCF | 6.55 | ||
| P/OCF | 5.33 | ||
| P/B | 1.26 | ||
| P/tB | 1.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.25
EY9.85%
EPS(NY)1.27
Fwd EY10%
FCF(TTM)1.94
FCFY15.27%
OCF(TTM)2.38
OCFY18.75%
SpS10.19
BVpS10.07
TBVpS7.97
PEG (NY)4.55
PEG (5Y)0.53
Graham Number16.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.82% | ||
| ROE | 25.17% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.87% | ||
| GM | N/A | ||
| FCFM | 19% |
ROA(3y)0.65%
ROA(5y)0.45%
ROE(3y)9.14%
ROE(5y)6.39%
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 3Y9.18%
PM growth 5Y1.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.07 | ||
| Debt/FCF | 10.74 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 4.34% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 76.39% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC5.63%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)3.42%
Cap/Sales(5y)3.66%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.16%
EPS 3Y49.52%
EPS 5Y19.15%
EPS Q2Q%-51.77%
EPS Next Y2.23%
EPS Next 2Y-0.15%
EPS Next 3Y1.74%
EPS Next 5Y2.09%
Revenue 1Y (TTM)4.51%
Revenue growth 3Y37.38%
Revenue growth 5Y17.82%
Sales Q2Q%-2.11%
Revenue Next Year5.43%
Revenue Next 2Y4.22%
Revenue Next 3Y3.81%
Revenue Next 5Y3.81%
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 1Y127.15%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y134.22%
OCF growth 3YN/A
OCF growth 5YN/A
BANCO BPM SPA / BPM.DE FAQ
What is the ChartMill fundamental rating of BANCO BPM SPA (BPM.DE) stock?
ChartMill assigns a fundamental rating of 4 / 10 to BPM.DE.
What is the valuation status for BPM stock?
ChartMill assigns a valuation rating of 5 / 10 to BANCO BPM SPA (BPM.DE). This can be considered as Fairly Valued.
Can you provide the profitability details for BANCO BPM SPA?
BANCO BPM SPA (BPM.DE) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for BPM stock?
The Price/Earnings (PE) ratio for BANCO BPM SPA (BPM.DE) is 10.15 and the Price/Book (PB) ratio is 1.26.
How sustainable is the dividend of BANCO BPM SPA (BPM.DE) stock?
The dividend rating of BANCO BPM SPA (BPM.DE) is 7 / 10 and the dividend payout ratio is 39.26%.