POSTE ITALIANE SPA (PST.MI) Stock Fundamental Analysis
BIT:PST - IT0003796171 - Common Stock
19.578 EUR
+0.12 (+0.63%)
We assign a fundamental rating of 4 out of 10 to PST. PST was compared to 36 industry peers in the Insurance industry. PST has a medium profitability rating, but doesn't score so well on its financial health evaluation. PST is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year PST was profitable.
In the past year PST had a positive cash flow from operations.
Each year in the past 5 years PST has been profitable.
PST had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
PST has a worse Return On Assets (0.75%) than 66.67% of its industry peers.
The Return On Equity of PST (16.80%) is better than 75.00% of its industry peers.
The Return On Invested Capital of PST (0.76%) is worse than 61.11% of its industry peers.
PST had an Average Return On Invested Capital over the past 3 years of 0.89%. This is in line with the industry average of 2.28%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.75% | ||
| ROE | 16.8% | ||
| ROIC | 0.76% |
ROA(3y)0.68%
ROA(5y)0.61%
ROE(3y)18.66%
ROE(5y)16.11%
ROIC(3y)0.89%
ROIC(5y)0.76%
1.3 Margins
PST's Profit Margin of 16.06% is amongst the best of the industry. PST outperforms 88.89% of its industry peers.
PST's Profit Margin has improved in the last couple of years.
PST has a better Operating Margin (20.44%) than 83.33% of its industry peers.
In the last couple of years the Operating Margin of PST has grown nicely.
The Gross Margin of PST (71.26%) is better than 100.00% of its industry peers.
In the last couple of years the Gross Margin of PST has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.44% | ||
| PM (TTM) | 16.06% | ||
| GM | 71.26% |
OM growth 3Y10.96%
OM growth 5Y31.66%
PM growth 3Y3.13%
PM growth 5Y30.15%
GM growth 3Y-2.09%
GM growth 5Y-5.18%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PST is destroying value.
PST has about the same amout of shares outstanding than it did 1 year ago.
PST has less shares outstanding than it did 5 years ago.
The debt/assets ratio for PST is higher compared to a year ago.
2.2 Solvency
PST has an Altman-Z score of 0.01. This is a bad value and indicates that PST is not financially healthy and even has some risk of bankruptcy.
With a decent Altman-Z score value of 0.01, PST is doing good in the industry, outperforming 72.22% of the companies in the same industry.
The Debt to FCF ratio of PST is 32.88, which is on the high side as it means it would take PST, 32.88 years of fcf income to pay off all of its debts.
PST has a Debt to FCF ratio of 32.88. This is in the lower half of the industry: PST underperforms 69.44% of its industry peers.
PST has a Debt/Equity ratio of 6.14. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of PST (6.14) is worse than 91.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.14 | ||
| Debt/FCF | 32.88 | ||
| Altman-Z | 0.01 |
ROIC/WACC0.24
WACC3.2%
2.3 Liquidity
A Current Ratio of 0.54 indicates that PST may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.54, PST is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
PST has a Quick Ratio of 0.54. This is a bad value and indicates that PST is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of PST (0.54) is better than 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.54 | ||
| Quick Ratio | 0.54 |
3. Growth
3.1 Past
PST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 39.31%, which is quite impressive.
The Earnings Per Share has been growing by 8.38% on average over the past years. This is quite good.
The Revenue for PST has decreased by -12.61% in the past year. This is quite bad
PST shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -16.83% yearly.
EPS 1Y (TTM)39.31%
EPS 3Y14.03%
EPS 5Y8.38%
EPS Q2Q%12.22%
Revenue 1Y (TTM)-12.61%
Revenue growth 3Y4.83%
Revenue growth 5Y-16.83%
Sales Q2Q%7.18%
3.2 Future
PST is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.64% yearly.
Based on estimates for the next years, PST will show a small growth in Revenue. The Revenue will grow by 2.65% on average per year.
EPS Next Y-1.37%
EPS Next 2Y0.96%
EPS Next 3Y3.72%
EPS Next 5Y4.64%
Revenue Next Year4.8%
Revenue Next 2Y3.28%
Revenue Next 3Y2.98%
Revenue Next 5Y2.65%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.14, the valuation of PST can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of PST indicates a rather cheap valuation: PST is cheaper than 83.33% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of PST to the average of the S&P500 Index (26.84), we can say PST is valued rather cheaply.
A Price/Forward Earnings ratio of 10.67 indicates a reasonable valuation of PST.
PST's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.48, PST is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.14 | ||
| Fwd PE | 10.67 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PST indicates a somewhat cheap valuation: PST is cheaper than 61.11% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.32 | ||
| EV/EBITDA | -12.7 |
4.3 Compensation for Growth
The decent profitability rating of PST may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.21
EPS Next 2Y0.96%
EPS Next 3Y3.72%
5. Dividend
5.1 Amount
PST has a Yearly Dividend Yield of 5.37%, which is a nice return.
PST's Dividend Yield is a higher than the industry average which is at 4.47.
PST's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.37% |
5.2 History
On average, the dividend of PST grows each year by 8.66%, which is quite nice.
Dividend Growth(5Y)8.66%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
66.00% of the earnings are spent on dividend by PST. This is not a sustainable payout ratio.
The dividend of PST is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP66%
EPS Next 2Y0.96%
EPS Next 3Y3.72%
BIT:PST (9/4/2025, 12:52:12 PM)
19.578
+0.12 (+0.63%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners9.46%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap25.57B
Analysts74.74
Price Target19.74 (0.83%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.37% |
Yearly Dividend0.9
Dividend Growth(5Y)8.66%
DP66%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.33%
Min EPS beat(2)5.7%
Max EPS beat(2)12.95%
EPS beat(4)4
Avg EPS beat(4)22.07%
Min EPS beat(4)5.7%
Max EPS beat(4)59.68%
EPS beat(8)6
Avg EPS beat(8)12.34%
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)2
Avg Revenue beat(2)3.56%
Min Revenue beat(2)2.83%
Max Revenue beat(2)4.28%
Revenue beat(4)4
Avg Revenue beat(4)3.9%
Min Revenue beat(4)1.88%
Max Revenue beat(4)6.59%
Revenue beat(8)7
Avg Revenue beat(8)2.82%
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)4.29%
PT rev (3m)18.39%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)7.26%
EPS NY rev (3m)7.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)1.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.14 | ||
| Fwd PE | 10.67 | ||
| P/S | 1.92 | ||
| P/FCF | 10.32 | ||
| P/OCF | 7.2 | ||
| P/B | 2.01 | ||
| P/tB | 2.41 | ||
| EV/EBITDA | -12.7 |
EPS(TTM)1.93
EY9.86%
EPS(NY)1.83
Fwd EY9.37%
FCF(TTM)1.9
FCFY9.69%
OCF(TTM)2.72
OCFY13.89%
SpS10.18
BVpS9.73
TBVpS8.12
PEG (NY)N/A
PEG (5Y)1.21
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.75% | ||
| ROE | 16.8% | ||
| ROCE | 1.44% | ||
| ROIC | 0.76% | ||
| ROICexc | 0.92% | ||
| ROICexgc | 0.93% | ||
| OM | 20.44% | ||
| PM (TTM) | 16.06% | ||
| GM | 71.26% | ||
| FCFM | 18.64% |
ROA(3y)0.68%
ROA(5y)0.61%
ROE(3y)18.66%
ROE(5y)16.11%
ROIC(3y)0.89%
ROIC(5y)0.76%
ROICexc(3y)1.12%
ROICexc(5y)0.97%
ROICexgc(3y)1.15%
ROICexgc(5y)0.99%
ROCE(3y)1.48%
ROCE(5y)1.24%
ROICexcg growth 3Y15.42%
ROICexcg growth 5Y19.21%
ROICexc growth 3Y15.4%
ROICexc growth 5Y18.92%
OM growth 3Y10.96%
OM growth 5Y31.66%
PM growth 3Y3.13%
PM growth 5Y30.15%
GM growth 3Y-2.09%
GM growth 5Y-5.18%
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.14 | ||
| Debt/FCF | 32.88 | ||
| Debt/EBITDA | 21.18 | ||
| Cap/Depr | 110.95% | ||
| Cap/Sales | 8.08% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 96.39% | ||
| Profit Quality | 116.11% | ||
| Current Ratio | 0.54 | ||
| Quick Ratio | 0.54 | ||
| Altman-Z | 0.01 |
F-Score6
WACC3.2%
ROIC/WACC0.24
Cap/Depr(3y)99.13%
Cap/Depr(5y)97.97%
Cap/Sales(3y)7.18%
Cap/Sales(5y)6.95%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)39.31%
EPS 3Y14.03%
EPS 5Y8.38%
EPS Q2Q%12.22%
EPS Next Y-1.37%
EPS Next 2Y0.96%
EPS Next 3Y3.72%
EPS Next 5Y4.64%
Revenue 1Y (TTM)-12.61%
Revenue growth 3Y4.83%
Revenue growth 5Y-16.83%
Sales Q2Q%7.18%
Revenue Next Year4.8%
Revenue Next 2Y3.28%
Revenue Next 3Y2.98%
Revenue Next 5Y2.65%
EBIT growth 1Y-10.83%
EBIT growth 3Y16.33%
EBIT growth 5Y9.5%
EBIT Next Year39.1%
EBIT Next 3Y15.35%
EBIT Next 5Y13.3%
FCF growth 1Y82.41%
FCF growth 3Y-17.37%
FCF growth 5Y37.99%
OCF growth 1Y61.87%
OCF growth 3Y-11.5%
OCF growth 5Y20.97%