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

BIT:PRO • IT0001073045

Current stock price

0.1575 EUR
0 (-0.32%)
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

  • In the past year PRO was profitable.
  • 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

  • Looking at the Return On Assets, with a value of 0.99%, PRO is in line with its industry, outperforming 52.50% of the companies in the same industry.
  • PRO's Return On Equity of 11.68% is fine compared to the rest of the industry. PRO outperforms 66.67% of its industry peers.
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 has a Profit Margin of 17.77%. This is comparable to the rest of the industry: PRO outperforms 60.00% of its industry peers.
  • In the last couple of years the Profit Margin of PRO has remained more or less at the same level.
  • 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) 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

  • Compared to 1 year ago, PRO has about the same amount of shares outstanding.
  • PRO has more shares outstanding than it did 5 years ago.
  • PRO has a worse debt/assets ratio than last year.
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 Debt to Equity ratio of 6.47. This is in the lower half of the industry: PRO underperforms 65.83% 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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2

3. PRO.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 167.24% over the past year.
  • PRO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.19% yearly.
  • Looking at the last year, PRO shows a decrease in Revenue. The Revenue has decreased by -9.64% in the last year.
  • Measured over the past years, PRO shows a small growth in Revenue. The Revenue has been growing by 1.02% on average per year.
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

  • Based on the Price/Earnings ratio of 1.97, the valuation of PRO can be described as very cheap.
  • 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.
  • The average S&P500 Price/Earnings ratio is at 26.11. PRO is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 1.97
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)0.32
EPS Next 2YN/A
EPS Next 3YN/A

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7

5. PRO.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 8.10%, PRO is a good candidate for dividend investing.
  • PRO's Dividend Yield is rather good when compared to the industry average which is at 3.27. PRO pays more dividend than 96.67% of the companies in the same industry.
  • PRO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 8.1%

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 (3/16/2026, 7:00:00 PM)

0.1575

0 (-0.32%)

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 Cap106.78M
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 8.1%
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 1.97
Fwd PE N/A
P/S 0.98
P/FCF N/A
P/OCF N/A
P/B 0.64
P/tB 0.68
EV/EBITDA N/A
EPS(TTM)0.08
EY50.79%
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)0.32
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 1.97 and the Price/Book (PB) ratio is 0.64.


How financially healthy is BANCA PROFILO SPA?

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