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

Europe - BIT:BPSO - IT0000784196 - Common Stock

13.615 EUR
+0.05 (+0.37%)
Last: 10/3/2025, 7:00:00 PM
Fundamental Rating

4

BPSO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 98 industry peers in the Banks industry. There are concerns on the financial health of BPSO while its profitability can be described as average. BPSO is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B

1.2 Ratios

The Return On Assets of BPSO (1.75%) is better than 91.84% of its industry peers.
BPSO has a Return On Equity of 22.85%. This is amongst the best in the industry. BPSO outperforms 95.92% of its industry peers.
Industry RankSector 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
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 (37.34%) is better than 87.76% 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 RankSector 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
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.
BPSO has about the same amout of shares outstanding than it did 1 year ago.
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.
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 1.31. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of BPSO (1.31) is better than 66.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.31
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.13%
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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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 23.56% 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
The Revenue has been growing slightly by 6.71% in the past year.
Measured over the past years, BPSO shows a quite strong growth in Revenue. The Revenue has been growing by 12.72% on average per year.
EPS 1Y (TTM)23.56%
EPS 3Y28.86%
EPS 5Y33.63%
EPS Q2Q%27.63%
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 2.05% yearly.
BPSO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.29% yearly.
EPS Next Y2.89%
EPS Next 2Y-1.23%
EPS Next 3Y-0.55%
EPS Next 5Y2.05%
Revenue Next Year-1.69%
Revenue Next 2Y-1.12%
Revenue Next 3Y0.04%
Revenue Next 5Y0.29%

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.
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 2028 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 0.2 0.4 0.6 0.8 1

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 6.19, the valuation of BPSO can be described as very cheap.
Based on the Price/Earnings ratio, BPSO is valued cheaply inside the industry as 93.88% of the companies are valued more expensively.
BPSO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.86.
The Price/Forward Earnings ratio is 10.97, which indicates a very decent valuation of BPSO.
Based on the Price/Forward Earnings ratio, BPSO is valued a bit more expensive than 61.22% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.32, BPSO is valued rather cheaply.
Industry RankSector Rank
PE 6.19
Fwd PE 10.97
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

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.14
PEG (5Y)0.18
EPS Next 2Y-1.23%
EPS Next 3Y-0.55%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.90%, BPSO is a good candidate for dividend investing.
BPSO's Dividend Yield is a higher than the industry average which is at 4.85.
Compared to an average S&P500 Dividend Yield of 2.41, BPSO pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.9%

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 has negative earnings and hence a negative payout ratio. The dividend may be in danger.
The dividend of BPSO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP-0.21%
EPS Next 2Y-1.23%
EPS Next 3Y-0.55%
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 (10/3/2025, 7:00:00 PM)

13.615

+0.05 (+0.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-05 2025-08-05
Earnings (Next)11-04 2025-11-04
Inst Owners94.99%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap6.17B
Analysts43.33
Price Target11.02 (-19.06%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.9%
Yearly Dividend0.56
Dividend Growth(5Y)62.12%
DP-0.21%
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)0.47%
PT rev (3m)0.47%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)4.34%
EPS NY rev (3m)7.17%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)-12.43%
Valuation
Industry RankSector Rank
PE 6.19
Fwd PE 10.97
P/S 2.33
P/FCF N/A
P/OCF N/A
P/B 1.43
P/tB 1.44
EV/EBITDA N/A
EPS(TTM)2.2
EY16.16%
EPS(NY)1.24
Fwd EY9.11%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.84
BVpS9.55
TBVpS9.46
PEG (NY)2.14
PEG (5Y)0.18
Profitability
Industry RankSector 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
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 3Y10.18%
PM growth 5Y18.12%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 1.31
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
WACC5.13%
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)23.56%
EPS 3Y28.86%
EPS 5Y33.63%
EPS Q2Q%27.63%
EPS Next Y2.89%
EPS Next 2Y-1.23%
EPS Next 3Y-0.55%
EPS Next 5Y2.05%
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 5Y0.29%
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 1Y74.07%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y78.06%
OCF growth 3YN/A
OCF growth 5YN/A