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

FRA:BPM • IT0005218380

Current stock price

11.22 EUR
-0.35 (-3.03%)
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 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.
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 89.38% of its industry peers.
  • BPM has a Return On Equity of 19.63%. This is amongst the best in the industry. BPM outperforms 92.04% 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 25.40% is in line compared to the rest of the industry. BPM outperforms 56.64% of its industry peers.
  • In the last couple of years the Profit Margin of BPM has grown nicely.
  • BPM 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) 25.4%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y36.17%
PM growth 5Y135.09%
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.
  • Compared to 1 year ago, BPM has about the same amount of shares outstanding.
  • Compared to 5 years ago, BPM has less shares outstanding
  • The debt/assets ratio for BPM has been reduced compared to a year ago.
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 1.53 is on the high side and indicates that BPM has dependencies on debt financing.
  • BPM has a Debt to Equity ratio of 1.53. This is comparable to the rest of the industry: BPM outperforms 50.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.53
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.65%
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

4

3. BPM.DE Growth Analysis

3.1 Past

  • BPM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.49%, which is quite good.
  • 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.
  • BPM shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -17.33%.
  • Measured over the past years, BPM shows a small growth in Revenue. The Revenue has been growing by 6.76% on average per year.
EPS 1Y (TTM)8.49%
EPS 3Y41.84%
EPS 5Y166.22%
EPS Q2Q%86.67%
Revenue 1Y (TTM)-17.33%
Revenue growth 3Y6.38%
Revenue growth 5Y6.76%
Sales Q2Q%-77.02%

3.2 Future

  • Based on estimates for the next years, BPM will show a small growth in Earnings Per Share. The EPS will grow by 1.96% on average per year.
  • Based on estimates for the next years, BPM will show a small growth in Revenue. The Revenue will grow by 3.02% on average per year.
EPS Next Y-7.68%
EPS Next 2Y-1.38%
EPS Next 3Y1.23%
EPS Next 5Y1.96%
Revenue Next Year4.22%
Revenue Next 2Y3.59%
Revenue Next 3Y3.68%
Revenue Next 5Y3.02%

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

  • The Price/Earnings ratio is 8.13, which indicates a very decent valuation of BPM.
  • Compared to the rest of the industry, the Price/Earnings ratio of BPM indicates a rather cheap valuation: BPM is cheaper than 83.19% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.23. BPM is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 8.81 indicates a reasonable valuation of BPM.
  • Based on the Price/Forward Earnings ratio, BPM is valued a bit cheaper than 79.65% of the companies in the same industry.
  • BPM is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.28, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.13
Fwd PE 8.81
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 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.05
EPS Next 2Y-1.38%
EPS Next 3Y1.23%

More info and screens

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 8.64%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.72, BPM pays a better dividend. On top of this BPM pays more dividend than 96.46% 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 RankSector Rank
Dividend Yield 8.64%

5.2 History

Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
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

DP0%
EPS Next 2Y-1.38%
EPS Next 3Y1.23%
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

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BPM.DE Fundamentals: All Metrics, Ratios and Statistics

BANCO BPM SPA

FRA:BPM (3/20/2026, 7:00:00 PM)

11.22

-0.35 (-3.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)05-05
Inst Owners53.11%
Inst Owner ChangeN/A
Ins Owners2.15%
Ins Owner ChangeN/A
Market Cap17.00B
Revenue(TTM)11.98B
Net Income(TTM)3.04B
Analysts67.27
Price Target13.11 (16.84%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.64%
Yearly Dividend0.96
Dividend Growth(5Y)N/A
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)0%
PT rev (3m)-0.62%
EPS NQ rev (1m)-6.06%
EPS NQ rev (3m)-6.06%
EPS NY rev (1m)0.03%
EPS NY rev (3m)-0.04%
Revenue NQ rev (1m)-0.97%
Revenue NQ rev (3m)-0.77%
Revenue NY rev (1m)0.65%
Revenue NY rev (3m)0.54%
Valuation
Industry RankSector Rank
PE 8.13
Fwd PE 8.81
P/S 1.42
P/FCF N/A
P/OCF N/A
P/B 1.1
P/tB 1.38
EV/EBITDA N/A
EPS(TTM)1.38
EY12.3%
EPS(NY)1.27
Fwd EY11.36%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.91
BVpS10.23
TBVpS8.11
PEG (NY)N/A
PEG (5Y)0.05
Graham Number17.83
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) 25.4%
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 3Y36.17%
PM growth 5Y135.09%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 1.53
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
WACC5.65%
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)8.49%
EPS 3Y41.84%
EPS 5Y166.22%
EPS Q2Q%86.67%
EPS Next Y-7.68%
EPS Next 2Y-1.38%
EPS Next 3Y1.23%
EPS Next 5Y1.96%
Revenue 1Y (TTM)-17.33%
Revenue growth 3Y6.38%
Revenue growth 5Y6.76%
Sales Q2Q%-77.02%
Revenue Next Year4.22%
Revenue Next 2Y3.59%
Revenue Next 3Y3.68%
Revenue Next 5Y3.02%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
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 3 / 10 to BPM.DE.


What is the valuation status for BPM stock?

ChartMill assigns a valuation rating of 4 / 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 8.13 and the Price/Book (PB) ratio is 1.1.


How sustainable is the dividend of BANCO BPM SPA (BPM.DE) stock?

The dividend rating of BANCO BPM SPA (BPM.DE) is 6 / 10 and the dividend payout ratio is 0%.