POSTE ITALIANE SPA (PST.MI) Stock Fundamental Analysis
Europe - BIT:PST - IT0003796171 - Common Stock
20.86 EUR
-0.03 (-0.14%)
Taking everything into account, PST scores 5 out of 10 in our fundamental rating. PST was compared to 40 industry peers in the Insurance industry. While PST belongs to the best of the industry regarding profitability, there are concerns on its financial health. PST has a correct valuation and a medium growth rate.
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.
In the past 5 years PST has always been profitable.
In the past 5 years PST always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.75%, PST is not doing good in the industry: 62.50% of the companies in the same industry are doing better.
PST has a better Return On Equity (16.80%) than 77.50% of its industry peers.
With a Return On Invested Capital value of 0.76%, PST perfoms like the industry average, outperforming 42.50% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for PST is in line with the industry average of 2.35%.
| 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
Looking at the Profit Margin, with a value of 16.06%, PST belongs to the top of the industry, outperforming 92.50% of the companies in the same industry.
In the last couple of years the Profit Margin of PST has grown nicely.
PST has a better Operating Margin (20.44%) than 82.50% of its industry peers.
PST's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 71.26%, PST belongs to the top of the industry, outperforming 97.50% of the companies in the same industry.
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PST is destroying value.
The number of shares outstanding for PST remains at a similar level compared to 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 0.02, we must say that PST is in the distress zone and has some risk of bankruptcy.
PST has a Altman-Z score of 0.02. This is in the better half of the industry: PST outperforms 72.50% of its industry peers.
PST has a debt to FCF ratio of 32.88. This is a negative value and a sign of low solvency as PST would need 32.88 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 32.88, PST is doing worse than 65.00% of the companies in the same industry.
PST has a Debt/Equity ratio of 6.14. This is a high value indicating a heavy dependency on external financing.
PST has a Debt to Equity ratio of 6.14. This is amonst the worse of the industry: PST underperforms 90.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.14 | ||
| Debt/FCF | 32.88 | ||
| Altman-Z | 0.02 |
ROIC/WACC0.26
WACC2.94%
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 77.50% of the companies in the same industry.
A Quick Ratio of 0.54 indicates that PST may have some problems paying its short term obligations.
The Quick ratio of PST (0.54) is better than 77.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.54 | ||
| Quick Ratio | 0.54 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 39.31% over the past year.
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
The Revenue for PST have been decreasing by -16.83% on average. This is quite bad
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 4.97% yearly.
The Revenue is expected to grow by 2.98% on average over the next years.
EPS Next Y-1.27%
EPS Next 2Y1.31%
EPS Next 3Y4%
EPS Next 5Y4.97%
Revenue Next Year4.96%
Revenue Next 2Y3.44%
Revenue Next 3Y3.11%
Revenue Next 5Y2.98%
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
PST is valuated reasonably with a Price/Earnings ratio of 10.81.
Based on the Price/Earnings ratio, PST is valued a bit cheaper than the industry average as 77.50% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 25.51, PST is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 11.29, the valuation of PST can be described as reasonable.
PST's Price/Forward Earnings ratio is in line with the industry average.
PST is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.81 | ||
| Fwd PE | 11.29 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, PST is valued a bit cheaper than the industry average as 62.50% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.99 | ||
| EV/EBITDA | -12.19 |
4.3 Compensation for Growth
The decent profitability rating of PST may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.29
EPS Next 2Y1.31%
EPS Next 3Y4%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.08%, PST is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.50, PST pays a bit more dividend than its industry peers.
PST's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.08% |
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
PST pays out 66.00% of its income as dividend. This is not a sustainable payout ratio.
PST's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP66%
EPS Next 2Y1.31%
EPS Next 3Y4%
BIT:PST (11/19/2025, 1:30:13 PM)
20.86
-0.03 (-0.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners11.11%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap27.25B
Revenue(TTM)13.30B
Net Income(TTM)2.13B
Analysts72
Price Target20.58 (-1.34%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.08% |
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)3.16%
PT rev (3m)4.67%
EPS NQ rev (1m)-5.34%
EPS NQ rev (3m)-5.34%
EPS NY rev (1m)0.02%
EPS NY rev (3m)7.37%
Revenue NQ rev (1m)-1.59%
Revenue NQ rev (3m)-1.92%
Revenue NY rev (1m)-0.19%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.81 | ||
| Fwd PE | 11.29 | ||
| P/S | 2.05 | ||
| P/FCF | 10.99 | ||
| P/OCF | 7.67 | ||
| P/B | 2.14 | ||
| P/tB | 2.57 | ||
| EV/EBITDA | -12.19 |
EPS(TTM)1.93
EY9.25%
EPS(NY)1.85
Fwd EY8.86%
FCF(TTM)1.9
FCFY9.1%
OCF(TTM)2.72
OCFY13.04%
SpS10.18
BVpS9.73
TBVpS8.12
PEG (NY)N/A
PEG (5Y)1.29
Graham Number20.55
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%
ROICexgc growth 3Y15.42%
ROICexgc 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 | 0.02 |
F-Score6
WACC2.94%
ROIC/WACC0.26
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-1.27%
EPS Next 2Y1.31%
EPS Next 3Y4%
EPS Next 5Y4.97%
Revenue 1Y (TTM)-12.61%
Revenue growth 3Y4.83%
Revenue growth 5Y-16.83%
Sales Q2Q%7.18%
Revenue Next Year4.96%
Revenue Next 2Y3.44%
Revenue Next 3Y3.11%
Revenue Next 5Y2.98%
EBIT growth 1Y-10.83%
EBIT growth 3Y16.33%
EBIT growth 5Y9.5%
EBIT Next Year43.26%
EBIT Next 3Y16.08%
EBIT Next 5Y13.5%
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%
POSTE ITALIANE SPA / PST.MI FAQ
Can you provide the ChartMill fundamental rating for POSTE ITALIANE SPA?
ChartMill assigns a fundamental rating of 5 / 10 to PST.MI.
What is the valuation status for PST 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 7 / 10.
What is the financial health of POSTE ITALIANE SPA (PST.MI) stock?
The financial health rating of POSTE ITALIANE SPA (PST.MI) is 2 / 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 -1.27% in the next year.