BANCA POPOLARE DI SONDRIO (BPSO.MI) Fundamental Analysis & Valuation

BIT:BPSO • IT0000784196

Current stock price

17.403 EUR
+0.94 (+5.7%)
Last:

This BPSO.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. BPSO.MI Profitability Analysis

1.1 Basic Checks

  • BPSO had positive earnings in the past year.
  • BPSO had positive earnings in each of the past 5 years.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B

1.2 Ratios

  • BPSO has a Return On Assets of 1.71%. This is amongst the best in the industry. BPSO outperforms 90.57% of its industry peers.
  • BPSO has a Return On Equity of 21.84%. This is amongst the best in the industry. BPSO outperforms 92.45% of its industry peers.
Industry RankSector Rank
ROA 1.71%
ROE 21.84%
ROIC N/A
ROA(3y)0.97%
ROA(5y)0.77%
ROE(3y)13.37%
ROE(5y)11.15%
ROIC(3y)N/A
ROIC(5y)N/A
BPSO.MI Yearly ROA, ROE, ROICBPSO.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • BPSO has a better Profit Margin (37.73%) than 87.74% of its industry peers.
  • BPSO's Profit Margin has improved in the last couple of years.
  • BPSO 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) 37.73%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y20.42%
PM growth 5Y25.34%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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1

2. BPSO.MI Health Analysis

2.1 Basic Checks

  • BPSO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • BPSO has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for BPSO remains at a similar level compared to 5 years ago.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
BPSO.MI Yearly Total Debt VS Total AssetsBPSO.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B 50B

2.2 Solvency

  • A Debt/Equity ratio of 1.20 is on the high side and indicates that BPSO has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 1.20, BPSO is in line with its industry, outperforming 59.43% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.2
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.44%
BPSO.MI Yearly LT Debt VS Equity VS FCFBPSO.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. BPSO.MI Growth Analysis

3.1 Past

  • BPSO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.31%, which is quite good.
  • Measured over the past years, BPSO shows a very strong growth in Earnings Per Share. The EPS has been growing by 43.10% on average per year.
  • The Revenue has been growing slightly by 1.47% in the past year.
  • Measured over the past years, BPSO shows a quite strong growth in Revenue. The Revenue has been growing by 14.46% on average per year.
EPS 1Y (TTM)12.31%
EPS 3Y37.47%
EPS 5Y43.1%
EPS Q2Q%-0.01%
Revenue 1Y (TTM)1.47%
Revenue growth 3Y13.87%
Revenue growth 5Y14.46%
Sales Q2Q%-0.25%

3.2 Future

  • BPSO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.34% yearly.
  • Based on estimates for the next years, BPSO will show a small growth in Revenue. The Revenue will grow by 6.24% on average per year.
EPS Next Y-6.42%
EPS Next 2Y-2.05%
EPS Next 3Y-1.84%
EPS Next 5Y0.34%
Revenue Next Year3.05%
Revenue Next 2Y2.64%
Revenue Next 3Y7.06%
Revenue Next 5Y6.24%

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.
BPSO.MI Yearly Revenue VS EstimatesBPSO.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 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 2029 0.5 1 1.5

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3

4. BPSO.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.84 indicates a rather cheap valuation of BPSO.
  • Based on the Price/Earnings ratio, BPSO is valued cheaper than 89.62% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.21. BPSO is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 12.32, BPSO is valued correctly.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BPSO indicates a slightly more expensive valuation: BPSO is more expensive than 65.09% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.10, BPSO is valued a bit cheaper.
Industry RankSector Rank
PE 7.84
Fwd PE 12.32
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 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.18
EPS Next 2Y-2.05%
EPS Next 3Y-1.84%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. BPSO.MI Dividend Analysis

5.1 Amount

  • BPSO has a Yearly Dividend Yield of 5.12%, which is a nice return.
  • BPSO's Dividend Yield is comparable with the industry average which is at 4.88.
  • BPSO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 5.12%

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's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y-2.05%
EPS Next 3Y-1.84%
BPSO.MI Yearly Income VS Free CF VS DividendBPSO.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B

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BPSO.MI Fundamentals: All Metrics, Ratios and Statistics

BANCA POPOLARE DI SONDRIO

BIT:BPSO (4/8/2026, 9:48:51 AM)

17.403

+0.94 (+5.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-10
Earnings (Next)05-04
Inst Owners89.08%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap7.89B
Revenue(TTM)2.64B
Net Income(TTM)997.80M
Analysts82.22
Price Target16.9 (-2.89%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.12%
Yearly Dividend0.56
Dividend Growth(5Y)62.12%
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)6.88%
PT rev (3m)33.07%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)9.63%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-12.89%
Revenue NY rev (3m)-10.79%
Valuation
Industry RankSector Rank
PE 7.84
Fwd PE 12.32
P/S 2.98
P/FCF N/A
P/OCF N/A
P/B 1.73
P/tB 1.74
EV/EBITDA N/A
EPS(TTM)2.22
EY12.76%
EPS(NY)1.41
Fwd EY8.12%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.83
BVpS10.08
TBVpS10.01
PEG (NY)N/A
PEG (5Y)0.18
Graham Number22.43
Profitability
Industry RankSector Rank
ROA 1.71%
ROE 21.84%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 37.73%
GM N/A
FCFM N/A
ROA(3y)0.97%
ROA(5y)0.77%
ROE(3y)13.37%
ROE(5y)11.15%
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 3Y20.42%
PM growth 5Y25.34%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 1.2
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
WACC5.44%
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)12.31%
EPS 3Y37.47%
EPS 5Y43.1%
EPS Q2Q%-0.01%
EPS Next Y-6.42%
EPS Next 2Y-2.05%
EPS Next 3Y-1.84%
EPS Next 5Y0.34%
Revenue 1Y (TTM)1.47%
Revenue growth 3Y13.87%
Revenue growth 5Y14.46%
Sales Q2Q%-0.25%
Revenue Next Year3.05%
Revenue Next 2Y2.64%
Revenue Next 3Y7.06%
Revenue Next 5Y6.24%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year427.34%
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

BANCA POPOLARE DI SONDRIO / BPSO.MI Fundamental Analysis 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 for BPSO stock?

ChartMill assigns a valuation rating of 4 / 10 to BANCA POPOLARE DI SONDRIO (BPSO.MI). This can be considered as Fairly Valued.


How profitable is BANCA POPOLARE DI SONDRIO (BPSO.MI) stock?

BANCA POPOLARE DI SONDRIO (BPSO.MI) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for BPSO stock?

The Price/Earnings (PE) ratio for BANCA POPOLARE DI SONDRIO (BPSO.MI) is 7.84 and the Price/Book (PB) ratio is 1.73.


What is the earnings growth outlook for BANCA POPOLARE DI SONDRIO?

The Earnings per Share (EPS) of BANCA POPOLARE DI SONDRIO (BPSO.MI) is expected to decline by -6.42% in the next year.