BANCA PROFILO SPA (PRO.MI) Stock Fundamental Analysis

Europe • Euronext Milan • BIT:PRO • IT0001073045

0.171 EUR
0 (-1.44%)
Last: Feb 11, 2026, 03:45 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Taking everything into account, PRO scores 3 out of 10 in our fundamental rating. PRO was compared to 117 industry peers in the Capital Markets industry. PRO has a bad profitability rating. Also its financial health evaluation is rather negative. PRO has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • PRO had positive earnings in the past year.
  • 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

  • With a Return On Assets value of 0.35%, PRO perfoms like the industry average, outperforming 45.30% of the companies in the same industry.
  • PRO has a Return On Equity (5.30%) which is comparable to the rest of the 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 47.01% of the companies in the same industry.
  • PRO's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for PRO so they could not be analyzed.
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

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1

2. Health

2.1 Basic Checks

  • The number of shares outstanding for PRO has been increased compared to 1 year ago.
  • PRO has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for PRO is higher compared to a year ago.
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

  • The Debt to FCF ratio of PRO is 57.44, which is on the high side as it means it would take PRO, 57.44 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 57.44, PRO is in the better half of the industry, outperforming 64.96% of the companies in the same industry.
  • PRO has a Debt/Equity ratio of 5.25. This is a high value indicating a heavy dependency on external financing.
  • PRO's Debt to Equity ratio of 5.25 is on the low side compared to the rest of the industry. PRO is outperformed by 63.25% of its industry peers.
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

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

2

3. Growth

3.1 Past

  • PRO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 77.30%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 6.96% on average over the past years.
  • PRO shows a decrease in Revenue. In the last year, the revenue decreased by -0.26%.
  • The Revenue has been growing slightly by 5.22% on average over the past years.
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

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4

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 5.70, the valuation of PRO can be described as very cheap.
  • Based on the Price/Earnings ratio, PRO is valued cheaply inside the industry as 95.73% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 28.23, PRO is valued rather cheaply.
Industry RankSector Rank
PE 5.7
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 95.73% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.07
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)0.82
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 7.38%, PRO is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 3.00, PRO pays a better dividend. On top of this PRO pays more dividend than 97.44% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.79, PRO pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.38%

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.
  • PRO's earnings are growing slower than its dividend. 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

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BANCA PROFILO SPA

BIT:PRO (2/11/2026, 3:45:42 PM)

0.171

0 (-1.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners0.46%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap115.94M
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 7.38%
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 5.7
Fwd PE N/A
P/S 0.97
P/FCF 8.07
P/OCF 7.12
P/B 0.74
P/tB 0.79
EV/EBITDA N/A
EPS(TTM)0.03
EY17.54%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.02
FCFY12.39%
OCF(TTM)0.02
OCFY14.04%
SpS0.18
BVpS0.23
TBVpS0.22
PEG (NY)N/A
PEG (5Y)0.82
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 5.7 and the Price/Book (PB) ratio is 0.74.


How financially healthy is BANCA PROFILO SPA?

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