BANCA PROFILO SPA (PRO.MI) Fundamental Analysis & Valuation

BIT:PRO • IT0001073045

Current stock price

0.149 EUR
0 (-1.32%)
Last:

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

3

1. PRO.MI Profitability Analysis

1.1 Basic Checks

  • PRO had positive earnings in the past year.
  • PRO had positive earnings in each of the past 5 years.
  • In multiple years PRO reported negative operating cash flow during the last 5 years.
PRO.MI Yearly Net Income VS EBIT VS OCF VS FCFPRO.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 20M -20M 40M

1.2 Ratios

  • PRO has a Return On Assets (0.99%) which is in line with its industry peers.
  • With a decent Return On Equity value of 11.68%, PRO is doing good in the industry, outperforming 67.54% of the companies in the same industry.
Industry RankSector Rank
ROA 0.99%
ROE 11.68%
ROIC N/A
ROA(3y)0.46%
ROA(5y)0.54%
ROE(3y)6.14%
ROE(5y)6.5%
ROIC(3y)N/A
ROIC(5y)N/A
PRO.MI Yearly ROA, ROE, ROICPRO.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6

1.3 Margins

  • PRO's Profit Margin of 17.77% is fine compared to the rest of the industry. PRO outperforms 61.40% of its industry peers.
  • PRO's Profit Margin has been stable in the last couple of years.
  • PRO 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) 17.77%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.84%
PM growth 5Y-0.54%
GM growth 3YN/A
GM growth 5YN/A
PRO.MI Yearly Profit, Operating, Gross MarginsPRO.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

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0

2. PRO.MI Health Analysis

2.1 Basic Checks

  • PRO has about the same amout of shares outstanding than it did 1 year ago.
  • PRO has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, PRO has a worse debt to assets ratio.
PRO.MI Yearly Shares OutstandingPRO.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
PRO.MI Yearly Total Debt VS Total AssetsPRO.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • A Debt/Equity ratio of 6.47 is on the high side and indicates that PRO has dependencies on debt financing.
  • PRO has a worse Debt to Equity ratio (6.47) than 64.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.47
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
PRO.MI Yearly LT Debt VS Equity VS FCFPRO.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 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PRO.MI Yearly Current Assets VS Current LiabilitesPRO.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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

2

3. PRO.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 167.24% over the past year.
  • Measured over the past 5 years, PRO shows a small growth in Earnings Per Share. The EPS has been growing by 6.19% on average per year.
  • PRO shows a decrease in Revenue. In the last year, the revenue decreased by -9.64%.
  • PRO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.02% yearly.
EPS 1Y (TTM)167.24%
EPS 3Y-7.4%
EPS 5Y6.19%
EPS Q2Q%131.37%
Revenue 1Y (TTM)-9.64%
Revenue growth 3Y-4.41%
Revenue growth 5Y1.02%
Sales Q2Q%-25.66%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
PRO.MI Yearly Revenue VS EstimatesPRO.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

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2

4. PRO.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • PRO is valuated cheaply with a Price/Earnings ratio of 1.86.
  • Compared to the rest of the industry, the Price/Earnings ratio of PRO indicates a rather cheap valuation: PRO is cheaper than 100.00% of the companies listed in the same industry.
  • PRO is valuated cheaply when we compare the Price/Earnings ratio to 24.75, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 1.86
Fwd PE N/A
PRO.MI Price Earnings VS Forward Price EarningsPRO.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
PRO.MI Per share dataPRO.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.05 0.1 0.15 0.2

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.3
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. PRO.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.64%, PRO is a good candidate for dividend investing.
  • PRO's Dividend Yield is a higher than the industry average which is at 3.30.
  • Compared to an average S&P500 Dividend Yield of 1.89, PRO pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.64%

5.2 History

  • The dividend of PRO is nicely growing with an annual growth rate of 69.74%!
Dividend Growth(5Y)69.74%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • The dividend of PRO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP0%
EPS Next 2YN/A
EPS Next 3YN/A
PRO.MI Yearly Income VS Free CF VS DividendPRO.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 20M -20M 40M

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PRO.MI Fundamentals: All Metrics, Ratios and Statistics

BANCA PROFILO SPA

BIT:PRO (3/30/2026, 7:00:00 PM)

0.149

0 (-1.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners0.33%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap101.02M
Revenue(TTM)109.47M
Net Income(TTM)19.45M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.64%
Yearly Dividend0.02
Dividend Growth(5Y)69.74%
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 1.86
Fwd PE N/A
P/S 0.92
P/FCF N/A
P/OCF N/A
P/B 0.61
P/tB 0.64
EV/EBITDA N/A
EPS(TTM)0.08
EY53.69%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS0.16
BVpS0.25
TBVpS0.23
PEG (NY)N/A
PEG (5Y)0.3
Graham Number0.66
Profitability
Industry RankSector Rank
ROA 0.99%
ROE 11.68%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.77%
GM N/A
FCFM N/A
ROA(3y)0.46%
ROA(5y)0.54%
ROE(3y)6.14%
ROE(5y)6.5%
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 3Y-2.84%
PM growth 5Y-0.54%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 6.47
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
WACCN/A
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)167.24%
EPS 3Y-7.4%
EPS 5Y6.19%
EPS Q2Q%131.37%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-9.64%
Revenue growth 3Y-4.41%
Revenue growth 5Y1.02%
Sales Q2Q%-25.66%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
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 PROFILO SPA / PRO.MI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for BANCA PROFILO SPA?

ChartMill assigns a fundamental rating of 2 / 10 to PRO.MI.


What is the valuation status of BANCA PROFILO SPA (PRO.MI) stock?

ChartMill assigns a valuation rating of 2 / 10 to BANCA PROFILO SPA (PRO.MI). This can be considered as Overvalued.


How profitable is BANCA PROFILO SPA (PRO.MI) stock?

BANCA PROFILO SPA (PRO.MI) has a profitability rating of 3 / 10.


What is the valuation of BANCA PROFILO SPA based on its PE and PB ratios?

The Price/Earnings (PE) ratio for BANCA PROFILO SPA (PRO.MI) is 1.86 and the Price/Book (PB) ratio is 0.61.


How financially healthy is BANCA PROFILO SPA?

The financial health rating of BANCA PROFILO SPA (PRO.MI) is 0 / 10.