POSTE ITALIANE SPA (PST.MI) Stock Fundamental Analysis
Europe • Euronext Milan • BIT:PST • IT0003796171
22.2 EUR
+0.21 (+0.95%)
Last: Jan 30, 2026, 05:36 PM
Taking everything into account, PST scores 4 out of 10 in our fundamental rating. PST was compared to 59 industry peers in the Financial Services industry. There are concerns on the financial health of PST while its profitability can be described as average. PST has a decent growth rate and is not valued too expensively. Finally PST also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- PST had positive earnings in the past year.
- In the past year PST had a positive cash flow from operations.
- PST had positive earnings in each of the past 5 years.
- PST had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of PST (0.76%) is comparable to the rest of the industry.
- Looking at the Return On Equity, with a value of 16.35%, PST is in the better half of the industry, outperforming 76.27% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 1.08%, PST is doing worse than 61.02% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for PST is significantly below the industry average of 10.02%.
- The 3 year average ROIC (0.89%) for PST is below the current ROIC(1.08%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 16.35% | ||
| ROIC | 1.08% |
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
- The Profit Margin of PST (16.12%) is better than 64.41% of its industry peers.
- PST's Profit Margin has improved in the last couple of years.
- PST has a Operating Margin of 20.70%. This is in the better half of the industry: PST outperforms 69.49% of its industry peers.
- In the last couple of years the Operating Margin of PST has grown nicely.
- PST has a better Gross Margin (70.85%) than 74.58% of its industry peers.
- PST's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.7% | ||
| PM (TTM) | 16.12% | ||
| GM | 70.85% |
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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PST is destroying value.
- PST has about the same amout of shares outstanding than it did 1 year ago.
- Compared to 5 years ago, PST has less shares outstanding
- PST has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 0.01, we must say that PST is in the distress zone and has some risk of bankruptcy.
- PST's Altman-Z score of 0.01 is on the low side compared to the rest of the industry. PST is outperformed by 76.27% of its industry peers.
- The Debt to FCF ratio of PST is 46.28, which is on the high side as it means it would take PST, 46.28 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 46.28, PST is doing worse than 67.80% of the companies in the same industry.
- PST has a Debt/Equity ratio of 0.46. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.46, PST is in line with its industry, outperforming 55.93% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 46.28 | ||
| Altman-Z | 0.01 |
ROIC/WACC0.3
WACC3.64%
2.3 Liquidity
- A Current Ratio of 0.50 indicates that PST may have some problems paying its short term obligations.
- PST's Current ratio of 0.50 is on the low side compared to the rest of the industry. PST is outperformed by 76.27% of its industry peers.
- PST has a Quick Ratio of 0.50. 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 (0.50) is worse than 76.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.5 | ||
| Quick Ratio | 0.5 |
3. Growth
3.1 Past
- PST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.66%, which is quite impressive.
- The Earnings Per Share has been growing by 8.38% on average over the past years. This is quite good.
- Looking at the last year, PST shows a very negative growth in Revenue. The Revenue has decreased by -13.44% in the last year.
- 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)28.66%
EPS 3Y14.03%
EPS 5Y8.38%
EPS Q2Q%9.17%
Revenue 1Y (TTM)-13.44%
Revenue growth 3Y4.83%
Revenue growth 5Y-16.83%
Sales Q2Q%4.53%
3.2 Future
- Based on estimates for the next years, PST will show a small growth in Earnings Per Share. The EPS will grow by 4.67% on average per year.
- PST is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.62% yearly.
EPS Next Y-1.73%
EPS Next 2Y1.36%
EPS Next 3Y4.01%
EPS Next 5Y4.67%
Revenue Next Year4.94%
Revenue Next 2Y3.5%
Revenue Next 3Y3.18%
Revenue Next 5Y2.62%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 11.21, which indicates a very decent valuation of PST.
- PST's Price/Earnings ratio is a bit cheaper when compared to the industry. PST is cheaper than 67.80% of the companies in the same industry.
- When comparing the Price/Earnings ratio of PST to the average of the S&P500 Index (28.39), we can say PST is valued rather cheaply.
- With a Price/Forward Earnings ratio of 12.01, PST is valued correctly.
- 61.02% of the companies in the same industry are more expensive than PST, based on the Price/Forward Earnings ratio.
- PST's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.72.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.21 | ||
| Fwd PE | 12.01 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PST indicates a slightly more expensive valuation: PST is more expensive than 62.71% of the companies listed in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of PST indicates a somewhat cheap valuation: PST is cheaper than 61.02% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.79 | ||
| EV/EBITDA | 33.46 |
4.3 Compensation for Growth
- PST has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.34
EPS Next 2Y1.36%
EPS Next 3Y4.01%
5. Dividend
5.1 Amount
- PST has a Yearly Dividend Yield of 4.89%, which is a nice return.
- PST's Dividend Yield is rather good when compared to the industry average which is at 1.97. PST pays more dividend than 84.75% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, PST pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.89% |
5.2 History
- The dividend of PST is nicely growing with an annual growth rate of 8.66%!
Dividend Growth(5Y)8.66%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 65.05% of the earnings are spent on dividend by PST. This is not a sustainable payout ratio.
- PST's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP65.05%
EPS Next 2Y1.36%
EPS Next 3Y4.01%
POSTE ITALIANE SPA / PST.MI FAQ
Can you provide the ChartMill fundamental rating for POSTE ITALIANE SPA?
ChartMill assigns a fundamental rating of 4 / 10 to PST.MI.
What is the valuation status of POSTE ITALIANE SPA (PST.MI) stock?
ChartMill assigns a valuation rating of 5 / 10 to POSTE ITALIANE SPA (PST.MI). This can be considered as Fairly Valued.
What is the profitability of PST stock?
POSTE ITALIANE SPA (PST.MI) has a profitability rating of 6 / 10.
What is the financial health of POSTE ITALIANE SPA (PST.MI) stock?
The financial health rating of POSTE ITALIANE SPA (PST.MI) is 1 / 10.
What is the earnings growth outlook for POSTE ITALIANE SPA?
The Earnings per Share (EPS) of POSTE ITALIANE SPA (PST.MI) is expected to decline by -1.73% in the next year.