BANCO BPM SPA (BPM.DE) Fundamental Analysis & Valuation

FRA:BPM • IT0005218380

Current stock price

12.375 EUR
-0.12 (-1%)
Last:

This BPM.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. BPM.DE Profitability Analysis

1.1 Basic Checks

  • In the past year BPM was profitable.
  • BPM had a negative operating cash flow in the past year.
  • BPM had positive earnings in each of the past 5 years.
  • In multiple years BPM reported negative operating cash flow during the last 5 years.
BPM.DE Yearly Net Income VS EBIT VS OCF VS FCFBPM.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B

1.2 Ratios

  • BPM has a better Return On Assets (1.48%) than 87.13% of its industry peers.
  • BPM has a better Return On Equity (19.63%) than 92.08% of its industry peers.
Industry RankSector Rank
ROA 1.48%
ROE 19.63%
ROIC N/A
ROA(3y)0.87%
ROA(5y)0.65%
ROE(3y)11.86%
ROE(5y)9.04%
ROIC(3y)N/A
ROIC(5y)N/A
BPM.DE Yearly ROA, ROE, ROICBPM.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 -20

1.3 Margins

  • BPM's Profit Margin of 21.13% is in line compared to the rest of the industry. BPM outperforms 42.57% of its industry peers.
  • BPM's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for BPM so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.13%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.82%
PM growth 5Y106.64%
GM growth 3YN/A
GM growth 5YN/A
BPM.DE Yearly Profit, Operating, Gross MarginsBPM.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 -40

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1

2. BPM.DE Health Analysis

2.1 Basic Checks

  • BPM does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • BPM has about the same amout of shares outstanding than it did 1 year ago.
  • BPM has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, BPM has an improved debt to assets ratio.
BPM.DE Yearly Shares OutstandingBPM.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
BPM.DE Yearly Total Debt VS Total AssetsBPM.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B

2.2 Solvency

  • A Debt/Equity ratio of 1.98 is on the high side and indicates that BPM has dependencies on debt financing.
  • BPM's Debt to Equity ratio of 1.98 is in line compared to the rest of the industry. BPM outperforms 49.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.98
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.67%
BPM.DE Yearly LT Debt VS Equity VS FCFBPM.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BPM.DE Yearly Current Assets VS Current LiabilitesBPM.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. BPM.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 8.49% over the past year.
  • Measured over the past years, BPM shows a very strong growth in Earnings Per Share. The EPS has been growing by 166.22% on average per year.
  • The Revenue has decreased by -0.61% in the past year.
  • Measured over the past years, BPM shows a very strong growth in Revenue. The Revenue has been growing by 21.47% on average per year.
EPS 1Y (TTM)8.49%
EPS 3Y41.84%
EPS 5Y166.22%
EPS Q2Q%86.67%
Revenue 1Y (TTM)-0.61%
Revenue growth 3Y31.9%
Revenue growth 5Y21.47%
Sales Q2Q%-77.02%

3.2 Future

  • BPM is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.27% yearly.
  • The Revenue is expected to grow by 2.95% on average over the next years.
EPS Next Y-8.69%
EPS Next 2Y-1.84%
EPS Next 3Y1.01%
EPS Next 5Y1.27%
Revenue Next Year4.33%
Revenue Next 2Y3.68%
Revenue Next 3Y3.68%
Revenue Next 5Y2.95%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BPM.DE Yearly Revenue VS EstimatesBPM.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B 8B 10B
BPM.DE Yearly EPS VS EstimatesBPM.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 0.5 -0.5 1

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4

4. BPM.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.97 indicates a reasonable valuation of BPM.
  • Based on the Price/Earnings ratio, BPM is valued cheaply inside the industry as 83.17% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 26.77. BPM is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 9.82, the valuation of BPM can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BPM indicates a rather cheap valuation: BPM is cheaper than 81.19% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 21.75. BPM is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.97
Fwd PE 9.82
BPM.DE Price Earnings VS Forward Price EarningsBPM.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BPM.DE Per share dataBPM.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.05
EPS Next 2Y-1.84%
EPS Next 3Y1.01%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. BPM.DE Dividend Analysis

5.1 Amount

  • BPM has a Yearly Dividend Yield of 8.24%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.48, BPM pays a better dividend. On top of this BPM pays more dividend than 95.05% of the companies listed in the same industry.
  • BPM's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 8.24%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
BPM.DE Yearly Dividends per shareBPM.DE Yearly Dividends per shareYearly Dividends per share 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 52.55% of the earnings are spent on dividend by BPM. This is a bit on the high side, but may be sustainable.
DP52.55%
EPS Next 2Y-1.84%
EPS Next 3Y1.01%
BPM.DE Yearly Income VS Free CF VS DividendBPM.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B
BPM.DE Dividend Payout.BPM.DE Dividend Payout, showing the Payout Ratio.BPM.DE Dividend Payout.PayoutRetained Earnings

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BPM.DE Fundamentals: All Metrics, Ratios and Statistics

BANCO BPM SPA

FRA:BPM (4/30/2026, 7:00:00 PM)

12.375

-0.12 (-1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength83.78
Industry Growth90.67
Earnings (Last)02-05
Earnings (Next)05-05
Inst Owners52.12%
Inst Owner ChangeN/A
Ins Owners2.26%
Ins Owner ChangeN/A
Market Cap18.75B
Revenue(TTM)14.40B
Net Income(TTM)3.04B
Analysts66.36
Price Target13.68 (10.55%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.24%
Yearly Dividend1.06
Dividend Growth(5Y)N/A
DP52.55%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)30.04%
Min EPS beat(2)11.69%
Max EPS beat(2)48.38%
EPS beat(4)4
Avg EPS beat(4)25.07%
Min EPS beat(4)11.69%
Max EPS beat(4)48.38%
EPS beat(8)6
Avg EPS beat(8)37.63%
EPS beat(12)10
Avg EPS beat(12)29.65%
EPS beat(16)13
Avg EPS beat(16)25.42%
Revenue beat(2)1
Avg Revenue beat(2)0.87%
Min Revenue beat(2)-0.05%
Max Revenue beat(2)1.79%
Revenue beat(4)2
Avg Revenue beat(4)1.05%
Min Revenue beat(4)-0.18%
Max Revenue beat(4)2.62%
Revenue beat(8)6
Avg Revenue beat(8)79.87%
Revenue beat(12)10
Avg Revenue beat(12)95.53%
Revenue beat(16)14
Avg Revenue beat(16)89.04%
PT rev (1m)4.36%
PT rev (3m)2.63%
EPS NQ rev (1m)-1.61%
EPS NQ rev (3m)-7.58%
EPS NY rev (1m)-1.1%
EPS NY rev (3m)-1.07%
Revenue NQ rev (1m)-0.39%
Revenue NQ rev (3m)-1.35%
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)0.77%
Valuation
Industry RankSector Rank
PE 8.97
Fwd PE 9.82
P/S 1.3
P/FCF N/A
P/OCF N/A
P/B 1.21
P/tB 1.53
EV/EBITDA N/A
EPS(TTM)1.38
EY11.15%
EPS(NY)1.26
Fwd EY10.18%
FCF(TTM)-2.68
FCFYN/A
OCF(TTM)-2.34
OCFYN/A
SpS9.5
BVpS10.23
TBVpS8.11
PEG (NY)N/A
PEG (5Y)0.05
Graham Number17.825 (44.04%)
Profitability
Industry RankSector Rank
ROA 1.48%
ROE 19.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.13%
GM N/A
FCFM N/A
ROA(3y)0.87%
ROA(5y)0.65%
ROE(3y)11.86%
ROE(5y)9.04%
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 3Y9.82%
PM growth 5Y106.64%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 1.98
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 3.56%
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
WACC5.67%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)2.73%
Cap/Sales(5y)3.85%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.49%
EPS 3Y41.84%
EPS 5Y166.22%
EPS Q2Q%86.67%
EPS Next Y-8.69%
EPS Next 2Y-1.84%
EPS Next 3Y1.01%
EPS Next 5Y1.27%
Revenue 1Y (TTM)-0.61%
Revenue growth 3Y31.9%
Revenue growth 5Y21.47%
Sales Q2Q%-77.02%
Revenue Next Year4.33%
Revenue Next 2Y3.68%
Revenue Next 3Y3.68%
Revenue Next 5Y2.95%
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 1Y21.19%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y27.55%
OCF growth 3YN/A
OCF growth 5YN/A

BANCO BPM SPA / BPM.DE Fundamental Analysis 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.


Can you provide the valuation status for BANCO BPM SPA?

ChartMill assigns a valuation rating of 4 / 10 to BANCO BPM SPA (BPM.DE). This can be considered as Fairly Valued.


What is the profitability of BPM stock?

BANCO BPM SPA (BPM.DE) has a profitability rating of 4 / 10.


How financially healthy is BANCO BPM SPA?

The financial health rating of BANCO BPM SPA (BPM.DE) is 1 / 10.


Is the dividend of BANCO BPM SPA sustainable?

The dividend rating of BANCO BPM SPA (BPM.DE) is 6 / 10 and the dividend payout ratio is 52.55%.