BANCA POPOLARE DI SONDRIO (BPSO.MI) Stock Fundamental Analysis
Europe - BIT:BPSO - IT0000784196 - Common Stock
15.45 EUR
+0.15 (+1.01%)
BPSO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 96 industry peers in the Banks industry. There are concerns on the financial health of BPSO while its profitability can be described as average. BPSO has a correct valuation and a medium growth rate. Finally BPSO also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BPSO was profitable.
BPSO had a negative operating cash flow 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.
1.2 Ratios
BPSO's Return On Assets of 1.75% is amongst the best of the industry. BPSO outperforms 91.67% of its industry peers.
Looking at the Return On Equity, with a value of 22.85%, BPSO belongs to the top of the industry, outperforming 96.88% of the companies in the same industry.
| 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
Looking at the Profit Margin, with a value of 37.34%, BPSO belongs to the top of the industry, outperforming 86.46% of the companies in the same industry.
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 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.
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.
2.2 Solvency
BPSO has a Debt/Equity ratio of 1.31. This is a high value indicating a heavy dependency on external financing.
BPSO's Debt to Equity ratio of 1.31 is fine compared to the rest of the industry. BPSO outperforms 67.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.31 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 23.45% over the past year.
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 6.71% in the last year.
The Revenue has been growing by 12.72% on average over the past years. This is quite good.
EPS 1Y (TTM)23.45%
EPS 3Y28.86%
EPS 5Y33.63%
EPS Q2Q%27.29%
Revenue 1Y (TTM)6.71%
Revenue growth 3Y16.97%
Revenue growth 5Y12.72%
Sales Q2Q%3.95%
3.2 Future
BPSO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.54% yearly.
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 Y2.89%
EPS Next 2Y-1.23%
EPS Next 3Y-0.64%
EPS Next 5Y2.54%
Revenue Next Year-1.69%
Revenue Next 2Y-1.12%
Revenue Next 3Y0.04%
Revenue Next 5Y0.76%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.02, the valuation of BPSO can be described as very cheap.
87.50% of the companies in the same industry are more expensive than BPSO, based on the Price/Earnings ratio.
BPSO is valuated cheaply when we compare the Price/Earnings ratio to 26.28, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 12.45, the valuation of BPSO can be described as correct.
75.00% of the companies in the same industry are cheaper than BPSO, based on the Price/Forward Earnings ratio.
BPSO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 33.61.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.02 | ||
| Fwd PE | 12.45 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BPSO does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.43
PEG (5Y)0.21
EPS Next 2Y-1.23%
EPS Next 3Y-0.64%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.47%, BPSO is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.84, BPSO pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, BPSO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.47% |
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.
BPSO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP36.22%
EPS Next 2Y-1.23%
EPS Next 3Y-0.64%
BIT:BPSO (11/11/2025, 5:35:30 PM)
15.45
+0.15 (+1.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners94.99%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap7.00B
Revenue(TTM)2.65B
Net Income(TTM)989.23M
Analysts41.82
Price Target11.02 (-28.67%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.47% |
Yearly Dividend0.56
Dividend Growth(5Y)62.12%
DP36.22%
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)0%
PT rev (3m)0.47%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)7.17%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.02 | ||
| Fwd PE | 12.45 | ||
| P/S | 2.64 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.62 | ||
| P/tB | 1.63 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.2
EY14.24%
EPS(NY)1.24
Fwd EY8.03%
FCF(TTM)-1.29
FCFYN/A
OCF(TTM)-1.14
OCFYN/A
SpS5.84
BVpS9.55
TBVpS9.46
PEG (NY)2.43
PEG (5Y)0.21
Graham Number21.74
Profitability
| Industry Rank | Sector 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
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 3Y10.18%
PM growth 5Y18.12%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.31 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 70.04% | ||
| Cap/Sales | 2.51% | ||
| 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-Score6
WACC5.27%
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)23.45%
EPS 3Y28.86%
EPS 5Y33.63%
EPS Q2Q%27.29%
EPS Next Y2.89%
EPS Next 2Y-1.23%
EPS Next 3Y-0.64%
EPS Next 5Y2.54%
Revenue 1Y (TTM)6.71%
Revenue growth 3Y16.97%
Revenue growth 5Y12.72%
Sales Q2Q%3.95%
Revenue Next Year-1.69%
Revenue Next 2Y-1.12%
Revenue Next 3Y0.04%
Revenue Next 5Y0.76%
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 1Y-1310.41%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-421.07%
OCF growth 3YN/A
OCF growth 5YN/A
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.
Can you provide the valuation status for BANCA POPOLARE DI SONDRIO?
ChartMill assigns a valuation rating of 4 / 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 7.02 and the Price/Book (PB) ratio is 1.62.
Can you provide the dividend sustainability for BPSO stock?
The dividend rating of BANCA POPOLARE DI SONDRIO (BPSO.MI) is 7 / 10 and the dividend payout ratio is 36.22%.