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

BIT:BPSO - Euronext Milan - IT0000784196 - Common Stock - Currency: EUR

11.23  -0.04 (-0.35%)

Fundamental Rating

3

Overall BPSO gets a fundamental rating of 3 out of 10. We evaluated BPSO against 95 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 correct valuation and a medium growth rate. Finally BPSO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

BPSO had positive earnings in the past year.
In the past 5 years BPSO has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: BPSO reported negative operating cash flow in multiple 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 1.57%, BPSO belongs to the best of the industry, outperforming 91.58% of the companies in the same industry.
With an excellent Return On Equity value of 21.38%, BPSO belongs to the best of the industry, outperforming 95.79% of the companies in the same industry.
Industry RankSector Rank
ROA 1.57%
ROE 21.38%
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

The Profit Margin of BPSO (34.09%) is better than 87.37% of its industry peers.
BPSO's Profit Margin has improved in the last couple of years.
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) 34.09%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y10.32%
PM growth 5Y18.22%
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 has been reduced 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 1.24. This is a high value indicating a heavy dependency on external financing.
BPSO's Debt to Equity ratio of 1.24 is fine compared to the rest of the industry. BPSO outperforms 71.58% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.24
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.36%
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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3. Growth

3.1 Past

BPSO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.87%, which is quite impressive.
BPSO shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 33.60% yearly.
BPSO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.70%.
Measured over the past years, BPSO shows a quite strong growth in Revenue. The Revenue has been growing by 12.63% on average per year.
EPS 1Y (TTM)28.87%
EPS 3Y28.82%
EPS 5Y33.6%
EPS Q2Q%24.36%
Revenue 1Y (TTM)14.7%
Revenue growth 3Y16.81%
Revenue growth 5Y12.63%
Sales Q2Q%7.65%

3.2 Future

The Earnings Per Share is expected to decrease by -2.35% on average over the next years.
BPSO is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.53% yearly.
EPS Next Y-3.99%
EPS Next 2Y-5.17%
EPS Next 3Y-2.35%
EPS Next 5YN/A
Revenue Next Year-9.28%
Revenue Next 2Y-3.87%
Revenue Next 3Y-0.53%
Revenue Next 5YN/A

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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 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 0.2 0.4 0.6 0.8 1

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4

4. Valuation

4.1 Price/Earnings Ratio

BPSO is valuated cheaply with a Price/Earnings ratio of 5.67.
Compared to the rest of the industry, the Price/Earnings ratio of BPSO indicates a rather cheap valuation: BPSO is cheaper than 89.47% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.18, BPSO is valued rather cheaply.
A Price/Forward Earnings ratio of 9.19 indicates a reasonable valuation of BPSO.
BPSO's Price/Forward Earnings is on the same level as the industry average.
BPSO is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.81, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 5.67
Fwd PE 9.19
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

A cheap valuation may be justified as BPSO's earnings are expected to decrease with -2.35% in the coming years.
PEG (NY)N/A
PEG (5Y)0.17
EPS Next 2Y-5.17%
EPS Next 3Y-2.35%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.27%, BPSO is a good candidate for dividend investing.
BPSO's Dividend Yield is rather good when compared to the industry average which is at 5.30. BPSO pays more dividend than 83.16% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.45, BPSO pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.27%

5.2 History

On average, the dividend of BPSO grows each year by 27.43%, which is quite nice.
Dividend Growth(5Y)27.43%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

DP0%
EPS Next 2Y-5.17%
EPS Next 3Y-2.35%
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 (5/5/2025, 12:07:51 PM)

11.23

-0.04 (-0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04 2025-02-04/amc
Earnings (Next)05-06 2025-05-06
Inst Owners17.71%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.09B
Analysts46.67
Price Target10.86 (-3.29%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.27%
Yearly Dividend0.28
Dividend Growth(5Y)27.43%
DP0%
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)7.85%
PT rev (3m)32.3%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)4.13%
EPS NY rev (3m)21.42%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.94%
Revenue NY rev (3m)-3.42%
Valuation
Industry RankSector Rank
PE 5.67
Fwd PE 9.19
P/S 1.95
P/FCF N/A
P/OCF N/A
P/B 1.23
P/tB 1.24
EV/EBITDA N/A
EPS(TTM)1.98
EY17.63%
EPS(NY)1.22
Fwd EY10.88%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.75
BVpS9.17
TBVpS9.09
PEG (NY)N/A
PEG (5Y)0.17
Profitability
Industry RankSector Rank
ROA 1.57%
ROE 21.38%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.09%
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 3Y10.32%
PM growth 5Y18.22%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 1.24
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
WACC5.36%
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)28.87%
EPS 3Y28.82%
EPS 5Y33.6%
EPS Q2Q%24.36%
EPS Next Y-3.99%
EPS Next 2Y-5.17%
EPS Next 3Y-2.35%
EPS Next 5YN/A
Revenue 1Y (TTM)14.7%
Revenue growth 3Y16.81%
Revenue growth 5Y12.63%
Sales Q2Q%7.65%
Revenue Next Year-9.28%
Revenue Next 2Y-3.87%
Revenue Next 3Y-0.53%
Revenue Next 5YN/A
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A