BANCA POPOLARE DI SONDRIO (BPSO.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:BPSO - IT0000784196 - Common Stock
17.315 EUR
-0.16 (-0.94%)
We assign a fundamental rating of 4 out of 10 to BPSO. BPSO was compared to 114 industry peers in the Banks industry. While BPSO is still in line with the averages on profitability rating, there are concerns on its financial health. BPSO has a decent growth rate and is not valued too expensively. 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.
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.
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
BPSO's Profit Margin of 37.34% is amongst the best of the industry. BPSO outperforms 88.60% 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 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's Debt to Equity ratio of 1.31 is fine compared to the rest of the industry. BPSO outperforms 67.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.31 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.56%
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 20.11% over the past year.
The Earnings Per Share has been growing by 33.63% on average over the past years. This is a very strong growth
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
Based on estimates for the next years, BPSO will show a small growth in Earnings Per Share. The EPS will grow by 2.54% on average per year.
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 Y6.1%
EPS Next 2Y0.64%
EPS Next 3Y0.34%
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
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.80, the valuation of BPSO can be described as very cheap.
Based on the Price/Earnings ratio, BPSO is valued cheaper than 87.72% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.19, BPSO is valued rather cheaply.
With a Price/Forward Earnings ratio of 13.44, BPSO is valued correctly.
BPSO's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. BPSO is more expensive than 77.19% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BPSO to the average of the S&P500 Index (23.88), we can say BPSO is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.8 | ||
| Fwd PE | 13.44 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.28
PEG (5Y)0.23
EPS Next 2Y0.64%
EPS Next 3Y0.34%
5. Dividend
5.1 Amount
BPSO has a Yearly Dividend Yield of 4.58%, which is a nice return.
Compared to an average industry Dividend Yield of 4.07, BPSO pays a bit more dividend than its industry peers.
BPSO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.58% |
5.2 History
On average, the dividend of BPSO grows each year by 62.12%, which is quite nice.
Dividend Growth(5Y)62.12%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
36.22% of the earnings are spent on dividend by BPSO. This is a low number and sustainable payout ratio.
BPSO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP36.22%
EPS Next 2Y0.64%
EPS Next 3Y0.34%
BIT:BPSO (1/9/2026, 7:00:00 PM)
17.315
-0.16 (-0.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners90.67%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap7.85B
Revenue(TTM)2.65B
Net Income(TTM)989.23M
Analysts82.22
Price Target12.7 (-26.65%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.58% |
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)15.28%
PT rev (3m)15.28%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.12%
EPS NY rev (3m)3.12%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.37%
Revenue NY rev (3m)1.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.8 | ||
| Fwd PE | 13.44 | ||
| P/S | 2.96 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.81 | ||
| P/tB | 1.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.22
EY12.82%
EPS(NY)1.29
Fwd EY7.44%
FCF(TTM)-1.29
FCFYN/A
OCF(TTM)-1.14
OCFYN/A
SpS5.84
BVpS9.55
TBVpS9.46
PEG (NY)1.28
PEG (5Y)0.23
Graham Number21.84
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
WACC5.56%
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)20.11%
EPS 3Y28.86%
EPS 5Y33.63%
EPS Q2Q%4.11%
EPS Next Y6.1%
EPS Next 2Y0.64%
EPS Next 3Y0.34%
EPS Next 5Y2.54%
Revenue 1Y (TTM)4.07%
Revenue growth 3Y16.97%
Revenue growth 5Y12.72%
Sales Q2Q%-0.64%
Revenue Next Year-0.35%
Revenue Next 2Y-0.23%
Revenue Next 3Y0.45%
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.
What is the valuation status of BANCA POPOLARE DI SONDRIO (BPSO.MI) stock?
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 7.8 and the Price/Book (PB) ratio is 1.81.
How financially healthy is BANCA POPOLARE DI SONDRIO?
The financial health rating of BANCA POPOLARE DI SONDRIO (BPSO.MI) is 1 / 10.