Logo image of PRO.MI

BANCA PROFILO SPA (PRO.MI) Stock Fundamental Analysis

Europe - Euronext Milan - BIT:PRO - IT0001073045 - Common Stock

0.166 EUR
0 (-2.64%)
Last: 12/30/2025, 7:00:00 PM
Fundamental Rating

3

PRO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 117 industry peers in the Capital Markets industry. PRO may be in some trouble as it scores bad on both profitability and health. PRO has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

In the past year PRO was profitable.
In the past year PRO had a positive cash flow from operations.
Each year in the past 5 years PRO has been profitable.
PRO had a positive operating cash flow in 4 of the past 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 0 20M -20M 40M

1.2 Ratios

The Return On Assets of PRO (0.35%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 5.30%, PRO is in line with its industry, outperforming 47.86% of the companies in the same industry.
Industry RankSector Rank
ROA 0.35%
ROE 5.3%
ROIC N/A
ROA(3y)0.51%
ROA(5y)0.54%
ROE(3y)6.67%
ROE(5y)6.42%
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 2 4 6

1.3 Margins

With a Profit Margin value of 7.00%, PRO perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
PRO's Profit Margin has declined 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) 7%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.36%
PM growth 5Y-2.97%
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 5 10 15

More info and screens

1

2. Health

2.1 Basic Checks

Compared to 1 year ago, PRO has more shares outstanding
The number of shares outstanding for PRO has been reduced compared to 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 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 500M 1B 1.5B 2B 2.5B

2.2 Solvency

PRO has a debt to FCF ratio of 57.44. This is a negative value and a sign of low solvency as PRO would need 57.44 years to pay back of all of its debts.
PRO has a Debt to FCF ratio of 57.44. This is in the better half of the industry: PRO outperforms 60.68% of its industry peers.
PRO has a Debt/Equity ratio of 5.25. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 5.25, PRO is doing worse than 62.39% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 5.25
Debt/FCF 57.44
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 0 50M 100M 150M

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

More info and screens

2

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 77.30% over the past year.
PRO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.96% yearly.
PRO shows a decrease in Revenue. In the last year, the revenue decreased by -0.26%.
PRO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.22% yearly.
EPS 1Y (TTM)77.3%
EPS 3Y0.72%
EPS 5Y6.96%
EPS Q2Q%-77.53%
Revenue 1Y (TTM)-0.26%
Revenue growth 3Y4.41%
Revenue growth 5Y5.22%
Sales Q2Q%-5.5%

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 20M 40M 60M

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

PRO is valuated cheaply with a Price/Earnings ratio of 5.53.
Based on the Price/Earnings ratio, PRO is valued cheaply inside the industry as 95.73% of the companies are valued more expensively.
PRO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.51.
Industry RankSector Rank
PE 5.53
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PRO indicates a rather cheap valuation: PRO is cheaper than 91.45% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.84
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)0.79
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.71%, PRO is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.29, PRO pays a better dividend. On top of this PRO pays more dividend than 96.58% of the companies listed in the same industry.
PRO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
Industry RankSector Rank
Dividend Yield 7.71%

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

101.44% of the earnings are spent on dividend by PRO. This is not a sustainable payout ratio.
The dividend of PRO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP101.44%
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 0 20M -20M 40M
PRO.MI Dividend Payout.PRO.MI Dividend Payout, showing the Payout Ratio.PRO.MI Dividend Payout.PayoutRetained Earnings

More info and screens

BANCA PROFILO SPA

BIT:PRO (12/30/2025, 7:00:00 PM)

0.166

0 (-2.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0.46%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap112.55M
Revenue(TTM)118.96M
Net Income(TTM)8.33M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.71%
Yearly Dividend0.02
Dividend Growth(5Y)69.74%
DP101.44%
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 5.53
Fwd PE N/A
P/S 0.95
P/FCF 7.84
P/OCF 6.92
P/B 0.72
P/tB 0.76
EV/EBITDA N/A
EPS(TTM)0.03
EY18.07%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.02
FCFY12.76%
OCF(TTM)0.02
OCFY14.46%
SpS0.18
BVpS0.23
TBVpS0.22
PEG (NY)N/A
PEG (5Y)0.79
Graham Number0.4
Profitability
Industry RankSector Rank
ROA 0.35%
ROE 5.3%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 7%
GM N/A
FCFM 12.07%
ROA(3y)0.51%
ROA(5y)0.54%
ROE(3y)6.67%
ROE(5y)6.42%
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-11.36%
PM growth 5Y-2.97%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 5.25
Debt/FCF 57.44
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.61%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 172.33%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)4.38%
Cap/Sales(5y)4.03%
Profit Quality(3y)400.64%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)77.3%
EPS 3Y0.72%
EPS 5Y6.96%
EPS Q2Q%-77.53%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.26%
Revenue growth 3Y4.41%
Revenue growth 5Y5.22%
Sales Q2Q%-5.5%
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 1Y-52.62%
FCF growth 3YN/A
FCF growth 5Y49.42%
OCF growth 1Y-51.03%
OCF growth 3YN/A
OCF growth 5Y48.54%

BANCA PROFILO SPA / PRO.MI FAQ

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

ChartMill assigns a fundamental rating of 3 / 10 to PRO.MI.


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

ChartMill assigns a valuation rating of 4 / 10 to BANCA PROFILO SPA (PRO.MI). This can be considered as Fairly Valued.


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 5.53 and the Price/Book (PB) ratio is 0.72.


How financially healthy is BANCA PROFILO SPA?

The financial health rating of BANCA PROFILO SPA (PRO.MI) is 1 / 10.