BANCO BPM SPA (BPM.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:BPM - IT0005218380 - Common Stock
12.655 EUR
-0.04 (-0.32%)
Overall BPM gets a fundamental rating of 4 out of 10. We evaluated BPM against 114 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 correct valuation and a medium growth rate. BPM also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
BPM had positive earnings in the past year.
In the past year BPM had a positive cash flow from operations.
Each year in the past 5 years BPM has been profitable.
In multiple years BPM reported negative operating cash flow during the last 5 years.
1.2 Ratios
BPM's Return On Assets of 1.82% is amongst the best of the industry. BPM outperforms 91.23% of its industry peers.
With an excellent Return On Equity value of 25.17%, BPM belongs to the best of the industry, outperforming 98.25% of the companies in the same industry.
| 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
BPM has a Profit Margin of 24.87%. This is comparable to the rest of the industry: BPM outperforms 58.77% of its industry peers.
In the last couple of years the Profit Margin of BPM has remained more or less at the same level.
BPM does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
Compared to 1 year ago, BPM has less shares outstanding
Compared to 5 years ago, BPM has less shares outstanding
BPM has a worse debt/assets ratio than last year.
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.
BPM's Debt to FCF ratio of 10.74 is fine compared to the rest of the industry. BPM outperforms 76.32% 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 in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.07 | ||
| Debt/FCF | 10.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.72%
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%.
The Earnings Per Share has been growing by 19.15% on average over the past years. This is quite good.
Looking at the last year, BPM shows a small growth in Revenue. The Revenue has grown by 4.51% in the last year.
BPM shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.82% yearly.
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
Based on estimates for the next years, BPM will show a small growth in Earnings Per Share. The EPS will grow by 2.09% on average per year.
The Revenue is expected to grow by 3.81% on average over the next years.
EPS Next Y1.32%
EPS Next 2Y0.1%
EPS Next 3Y2%
EPS Next 5Y2.09%
Revenue Next Year5.46%
Revenue Next 2Y4.28%
Revenue Next 3Y3.84%
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 10.12, the valuation of BPM can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of BPM indicates a somewhat cheap valuation: BPM is cheaper than 75.44% of the companies listed in the same industry.
BPM is valuated cheaply when we compare the Price/Earnings ratio to 26.50, which is the current average of the S&P500 Index.
BPM is valuated reasonably with a Price/Forward Earnings ratio of 9.93.
BPM's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BPM is cheaper than 79.82% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BPM to the average of the S&P500 Index (23.93), we can say BPM is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.12 | ||
| Fwd PE | 9.93 |
4.2 Price Multiples
79.82% of the companies in the same industry are more expensive than BPM, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.54 | ||
| 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)7.67
PEG (5Y)0.53
EPS Next 2Y0.1%
EPS Next 3Y2%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.84%, BPM is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.12, BPM pays a better dividend. On top of this BPM pays more dividend than 95.61% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, BPM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.84% |
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 2Y0.1%
EPS Next 3Y2%
FRA:BPM (12/23/2025, 7:00:00 PM)
12.655
-0.04 (-0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners52.31%
Inst Owner ChangeN/A
Ins Owners2.15%
Ins Owner ChangeN/A
Market Cap19.17B
Revenue(TTM)15.42B
Net Income(TTM)3.84B
Analysts68.18
Price Target13.19 (4.23%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.84% |
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.55%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.41%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.12 | ||
| Fwd PE | 9.93 | ||
| P/S | 1.24 | ||
| P/FCF | 6.54 | ||
| P/OCF | 5.32 | ||
| P/B | 1.26 | ||
| P/tB | 1.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.25
EY9.88%
EPS(NY)1.27
Fwd EY10.07%
FCF(TTM)1.94
FCFY15.3%
OCF(TTM)2.38
OCFY18.8%
SpS10.19
BVpS10.07
TBVpS7.97
PEG (NY)7.67
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
WACC5.72%
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 Y1.32%
EPS Next 2Y0.1%
EPS Next 3Y2%
EPS Next 5Y2.09%
Revenue 1Y (TTM)4.51%
Revenue growth 3Y37.38%
Revenue growth 5Y17.82%
Sales Q2Q%-2.11%
Revenue Next Year5.46%
Revenue Next 2Y4.28%
Revenue Next 3Y3.84%
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 of BANCO BPM SPA (BPM.DE) 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.
What is the earnings growth outlook for BANCO BPM SPA?
The Earnings per Share (EPS) of BANCO BPM SPA (BPM.DE) is expected to grow by 1.32% in the next year.
Can you provide the dividend sustainability for BPM stock?
The dividend rating of BANCO BPM SPA (BPM.DE) is 7 / 10 and the dividend payout ratio is 39.26%.