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BANCA POPOLARE DI SONDRIO (BPSO.MI) Stock Fundamental Analysis

BIT:BPSO - IT0000784196 - Common Stock

12.1 EUR
-0.24 (-1.91%)
Last: 9/5/2025, 7:00:00 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BPSO. BPSO was compared to 96 industry peers in the Banks industry. BPSO has a medium profitability rating, but doesn't score so well on its financial health evaluation. BPSO has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year BPSO was profitable.
In the past 5 years BPSO has always been profitable.
In multiple years BPSO reported negative operating cash flow during the last 5 years.
BPSO.MI Yearly Net Income VS EBIT VS OCF VS FCFBPSO.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 2B -2B 4B

1.2 Ratios

With an excellent Return On Assets value of 1.75%, BPSO belongs to the best of the industry, outperforming 91.67% of the companies in the same industry.
BPSO has a Return On Equity of 22.85%. This is amongst the best in the industry. BPSO outperforms 96.88% of its industry peers.
Industry RankSector Rank
ROA 1.75%
ROE 22.85%
ROIC N/A
ROA(3y)0.75%
ROA(5y)0.59%
ROE(3y)11.12%
ROE(5y)9.03%
ROIC(3y)N/A
ROIC(5y)N/A
BPSO.MI Yearly ROA, ROE, ROICBPSO.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

BPSO's Profit Margin of 37.34% is amongst the best of the industry. BPSO outperforms 86.46% of its industry peers.
In the last couple of years the Profit Margin of BPSO has grown nicely.
The Operating Margin and Gross Margin are not available for BPSO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 37.34%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y10.18%
PM growth 5Y18.12%
GM growth 3YN/A
GM growth 5YN/A
BPSO.MI Yearly Profit, Operating, Gross MarginsBPSO.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

2. Health

2.1 Basic Checks

BPSO does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BPSO remains at a similar level compared to 1 year ago.
Compared to 5 years ago, BPSO has about the same amount of shares outstanding.
The debt/assets ratio for BPSO is higher compared to a year ago.
BPSO.MI Yearly Shares OutstandingBPSO.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
BPSO.MI Yearly Total Debt VS Total AssetsBPSO.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.2 Solvency

BPSO has a Debt/Equity ratio of 1.31. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of BPSO (1.31) is better than 67.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.31
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.1%
BPSO.MI Yearly LT Debt VS Equity VS FCFBPSO.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 2B -2B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BPSO.MI Yearly Current Assets VS Current LiabilitesBPSO.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

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5

3. Growth

3.1 Past

BPSO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.56%, which is quite impressive.
Measured over the past years, BPSO shows a very strong growth in Earnings Per Share. The EPS has been growing by 33.63% on average per year.
The Revenue has been growing slightly by 6.71% in the past year.
BPSO shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.72% yearly.
EPS 1Y (TTM)23.56%
EPS 3Y28.86%
EPS 5Y33.63%
EPS Q2Q%27.63%
Revenue 1Y (TTM)6.71%
Revenue growth 3Y16.97%
Revenue growth 5Y12.72%
Sales Q2Q%3.95%

3.2 Future

Based on estimates for the next years, BPSO will show a small growth in Earnings Per Share. The EPS will grow by 2.16% on average per year.
The Revenue is expected to grow by 0.39% on average over the next years.
EPS Next Y-1.38%
EPS Next 2Y-2.77%
EPS Next 3Y-0.96%
EPS Next 5Y2.16%
Revenue Next Year-1.87%
Revenue Next 2Y-1.14%
Revenue Next 3Y0.17%
Revenue Next 5Y0.39%

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.
BPSO.MI Yearly Revenue VS EstimatesBPSO.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B
BPSO.MI Yearly EPS VS EstimatesBPSO.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 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

The Price/Earnings ratio is 5.50, which indicates a rather cheap valuation of BPSO.
BPSO's Price/Earnings ratio is rather cheap when compared to the industry. BPSO is cheaper than 93.75% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.06, BPSO is valued rather cheaply.
A Price/Forward Earnings ratio of 10.06 indicates a reasonable valuation of BPSO.
BPSO's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of BPSO to the average of the S&P500 Index (22.69), we can say BPSO is valued rather cheaply.
Industry RankSector Rank
PE 5.5
Fwd PE 10.06
BPSO.MI Price Earnings VS Forward Price EarningsBPSO.MI 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
BPSO.MI Per share dataBPSO.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.16
EPS Next 2Y-2.77%
EPS Next 3Y-0.96%

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6

5. Dividend

5.1 Amount

BPSO has a Yearly Dividend Yield of 6.49%, which is a nice return.
BPSO's Dividend Yield is a higher than the industry average which is at 5.12.
BPSO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
Industry RankSector Rank
Dividend Yield 6.49%

5.2 History

The dividend of BPSO is nicely growing with an annual growth rate of 62.12%!
Dividend Growth(5Y)62.12%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

BPSO has negative earnings and hence a negative payout ratio. The dividend may be in danger.
BPSO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP-0.21%
EPS Next 2Y-2.77%
EPS Next 3Y-0.96%
BPSO.MI Yearly Income VS Free CF VS DividendBPSO.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B

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BANCA POPOLARE DI SONDRIO

BIT:BPSO (9/5/2025, 7:00:00 PM)

12.1

-0.24 (-1.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-05 2025-08-05
Earnings (Next)11-04 2025-11-04
Inst Owners17.96%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.49B
Analysts43.33
Price Target11.02 (-8.93%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.49%
Yearly Dividend0.56
Dividend Growth(5Y)62.12%
DP-0.21%
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)6.14%
PT rev (3m)0.93%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)2.71%
EPS NY rev (3m)2.71%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-12.58%
Valuation
Industry RankSector Rank
PE 5.5
Fwd PE 10.06
P/S 2.07
P/FCF N/A
P/OCF N/A
P/B 1.27
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)2.2
EY18.18%
EPS(NY)1.2
Fwd EY9.94%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.84
BVpS9.55
TBVpS9.46
PEG (NY)N/A
PEG (5Y)0.16
Profitability
Industry RankSector Rank
ROA 1.75%
ROE 22.85%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 37.34%
GM N/A
FCFM N/A
ROA(3y)0.75%
ROA(5y)0.59%
ROE(3y)11.12%
ROE(5y)9.03%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y10.18%
PM growth 5Y18.12%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 1.31
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
WACC5.1%
ROIC/WACCN/A
Cap/Depr(3y)171.81%
Cap/Depr(5y)139.37%
Cap/Sales(3y)8.58%
Cap/Sales(5y)7.24%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)23.56%
EPS 3Y28.86%
EPS 5Y33.63%
EPS Q2Q%27.63%
EPS Next Y-1.38%
EPS Next 2Y-2.77%
EPS Next 3Y-0.96%
EPS Next 5Y2.16%
Revenue 1Y (TTM)6.71%
Revenue growth 3Y16.97%
Revenue growth 5Y12.72%
Sales Q2Q%3.95%
Revenue Next Year-1.87%
Revenue Next 2Y-1.14%
Revenue Next 3Y0.17%
Revenue Next 5Y0.39%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year112.1%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y74.07%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y78.06%
OCF growth 3YN/A
OCF growth 5YN/A