BANCA POPOLARE DI SONDRIO (BPSO.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:BPSO - IT0000784196 - Common Stock
16.89 EUR
+0.13 (+0.78%)
BPSO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 114 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.
1. Profitability
1.1 Basic Checks
- BPSO had positive earnings in the past year.
- In the past year BPSO has reported a negative cash flow from operations.
- Each year in the past 5 years BPSO has been profitable.
- In multiple years BPSO reported negative operating cash flow during the last 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.75%, BPSO belongs to the top of the industry, outperforming 89.47% of the companies in the same industry.
- The Return On Equity of BPSO (22.85%) is better than 95.61% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- The Profit Margin of BPSO (37.34%) is better than 87.72% of its industry peers.
- In the last couple of years the Profit Margin of BPSO has grown nicely.
- BPSO 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) | 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
2. Health
2.1 Basic Checks
- BPSO does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, BPSO has about the same amount of shares outstanding.
- BPSO has about the same amout of shares outstanding than it did 5 years ago.
- The debt/assets ratio for BPSO is higher compared to a year ago.
2.2 Solvency
- A Debt/Equity ratio of 1.31 is on the high side and indicates that BPSO has dependencies on debt financing.
- BPSO has a Debt to Equity ratio of 1.31. This is in the better half of the industry: BPSO outperforms 63.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.31 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- BPSO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.11%, 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.
- Looking at the last year, BPSO shows a small growth in Revenue. The Revenue has grown by 4.07% in the last 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)20.11%
EPS 3Y28.86%
EPS 5Y33.63%
EPS Q2Q%4.11%
Revenue 1Y (TTM)4.07%
Revenue growth 3Y16.97%
Revenue growth 5Y12.72%
Sales Q2Q%-0.64%
3.2 Future
- The Earnings Per Share is expected to grow by 2.54% on average over the next years.
- Based on estimates for the next years, BPSO will show a small growth in Revenue. The Revenue will grow by 0.76% on average per year.
EPS Next Y15.05%
EPS Next 2Y5.95%
EPS Next 3Y4.42%
EPS Next 5Y2.54%
Revenue Next Year-0.35%
Revenue Next 2Y-0.23%
Revenue Next 3Y0.45%
Revenue Next 5Y0.76%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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
- A Price/Earnings ratio of 7.61 indicates a rather cheap valuation of BPSO.
- BPSO's Price/Earnings ratio is rather cheap when compared to the industry. BPSO is cheaper than 90.35% of the companies in the same industry.
- When comparing the Price/Earnings ratio of BPSO to the average of the S&P500 Index (27.25), we can say BPSO is valued rather cheaply.
- The Price/Forward Earnings ratio is 11.83, which indicates a very decent valuation of BPSO.
- Based on the Price/Forward Earnings ratio, BPSO is valued a bit more expensive than the industry average as 64.91% of the companies are valued more cheaply.
- BPSO is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.61 | ||
| Fwd PE | 11.83 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- BPSO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.51
PEG (5Y)0.23
EPS Next 2Y5.95%
EPS Next 3Y4.42%
5. Dividend
5.1 Amount
- BPSO has a Yearly Dividend Yield of 4.71%, which is a nice return.
- Compared to an average industry Dividend Yield of 3.93, BPSO pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, BPSO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.71% |
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 pays out 36.22% of its income as dividend. This is a sustainable payout ratio.
- The dividend of BPSO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP36.22%
EPS Next 2Y5.95%
EPS Next 3Y4.42%
BANCA POPOLARE DI SONDRIO / BPSO.MI FAQ
What is the ChartMill fundamental rating of BANCA POPOLARE DI SONDRIO (BPSO.MI) stock?
ChartMill assigns a fundamental rating of 4 / 10 to BPSO.MI.
What is the valuation status of BANCA POPOLARE DI SONDRIO (BPSO.MI) stock?
ChartMill assigns a valuation rating of 5 / 10 to BANCA POPOLARE DI SONDRIO (BPSO.MI). This can be considered as Fairly Valued.
What is the profitability of BPSO stock?
BANCA POPOLARE DI SONDRIO (BPSO.MI) has a profitability rating of 4 / 10.
What is the valuation of BANCA POPOLARE DI SONDRIO based on its PE and PB ratios?
The Price/Earnings (PE) ratio for BANCA POPOLARE DI SONDRIO (BPSO.MI) is 7.61 and the Price/Book (PB) ratio is 1.77.
How financially healthy is BANCA POPOLARE DI SONDRIO?
The financial health rating of BANCA POPOLARE DI SONDRIO (BPSO.MI) is 1 / 10.