POSTE ITALIANE SPA (PST.MI) Stock Fundamental Analysis
BIT:PST - Euronext Milan - IT0003796171 - Common Stock - Currency: EUR
Taking everything into account, PST scores 5 out of 10 in our fundamental rating. PST was compared to 39 industry peers in the Insurance industry. PST has an excellent profitability rating, but there are concerns on its financial health. PST has a correct valuation and a medium growth rate. Finally PST also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year PST was profitable.
PST had a positive operating cash flow in the past year.
Each year in the past 5 years PST has been profitable.
In the past 5 years PST always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.72%, PST is doing worse than 64.10% of the companies in the same industry.
The Return On Equity of PST (17.22%) is better than 74.36% of its industry peers.
PST has a Return On Invested Capital of 1.00%. This is in the lower half of the industry: PST underperforms 61.54% 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 2.14%.
The 3 year average ROIC (0.89%) for PST is below the current ROIC(1.00%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.72% | ||
| ROE | 17.22% | ||
| ROIC | 1% |
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
With an excellent Profit Margin value of 15.43%, PST belongs to the best of the industry, outperforming 89.74% of the companies in the same industry.
In the last couple of years the Profit Margin of PST has grown nicely.
Looking at the Operating Margin, with a value of 19.72%, PST belongs to the top of the industry, outperforming 84.62% of the companies in the same industry.
PST's Operating Margin has improved in the last couple of years.
PST has a Gross Margin of 72.33%. This is amongst the best in the industry. PST outperforms 100.00% of its industry peers.
In the last couple of years the Gross Margin of PST has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 19.72% | ||
| PM (TTM) | 15.43% | ||
| GM | 72.33% |
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
PST has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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
Compared to 1 year ago, PST has a worse debt to assets ratio.
2.2 Solvency
PST has an Altman-Z score of 0.00. This is a bad value and indicates that PST is not financially healthy and even has some risk of bankruptcy.
PST has a Altman-Z score of 0.00. This is in the better half of the industry: PST outperforms 74.36% of its industry peers.
The Debt to FCF ratio of PST is 48.60, which is on the high side as it means it would take PST, 48.60 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 48.60, PST is not doing good in the industry: 71.79% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.75 indicates that PST is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.75, PST is not doing good in the industry: 69.23% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.75 | ||
| Debt/FCF | 48.6 | ||
| Altman-Z | 0 |
ROIC/WACC0.32
WACC3.14%
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 79.49% 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 79.49% 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 30.16%, which is quite impressive.
Measured over the past years, PST shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.38% on average per year.
The Revenue has been growing slightly by 6.59% in the past year.
The Revenue for PST have been decreasing by -16.83% on average. This is quite bad
EPS 1Y (TTM)30.16%
EPS 3Y14.03%
EPS 5Y8.38%
EPS Q2Q%22.4%
Revenue 1Y (TTM)6.59%
Revenue growth 3Y4.83%
Revenue growth 5Y-16.83%
Sales Q2Q%6.41%
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 2.90% on average per year.
PST is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.48% yearly.
EPS Next Y-8.04%
EPS Next 2Y-2.38%
EPS Next 3Y0.87%
EPS Next 5Y2.9%
Revenue Next Year3.73%
Revenue Next 2Y3.07%
Revenue Next 3Y2.89%
Revenue Next 5Y2.48%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
The Price/Earnings ratio is 9.53, which indicates a very decent valuation of PST.
Compared to the rest of the industry, the Price/Earnings ratio of PST indicates a rather cheap valuation: PST is cheaper than 87.18% of the companies listed in the same industry.
PST is valuated cheaply when we compare the Price/Earnings ratio to 27.52, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 10.50, which indicates a very decent valuation of PST.
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 35.58, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.53 | ||
| Fwd PE | 10.5 |
4.2 Price Multiples
61.54% of the companies in the same industry are more expensive than PST, based on the Enterprise Value to EBITDA ratio.
PST's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.15 | ||
| EV/EBITDA | 11.44 |
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)1.14
EPS Next 2Y-2.38%
EPS Next 3Y0.87%
5. Dividend
5.1 Amount
PST has a Yearly Dividend Yield of 6.00%, which is a nice return.
PST's Dividend Yield is rather good when compared to the industry average which is at 4.54. PST pays more dividend than 82.05% of the companies in the same industry.
PST's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6% |
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
58.43% of the earnings are spent on dividend by PST. This is a bit on the high side, but may be sustainable.
PST's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP58.43%
EPS Next 2Y-2.38%
EPS Next 3Y0.87%
BIT:PST (7/14/2025, 7:00:00 PM)
18.01
+0.03 (+0.14%)
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 Cap23.52B
Analysts75.79
Price Target18.75 (4.11%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6% |
Yearly Dividend0.9
Dividend Growth(5Y)8.66%
DP58.43%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)34.81%
Min EPS beat(2)9.94%
Max EPS beat(2)59.68%
EPS beat(4)3
Avg EPS beat(4)19.26%
Min EPS beat(4)-0.49%
Max EPS beat(4)59.68%
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)2
Avg Revenue beat(2)4.24%
Min Revenue beat(2)1.88%
Max Revenue beat(2)6.59%
Revenue beat(4)4
Avg Revenue beat(4)3.25%
Min Revenue beat(4)1.56%
Max Revenue beat(4)6.59%
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)2.84%
PT rev (3m)17.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.92%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.53 | ||
| Fwd PE | 10.5 | ||
| P/S | 1.82 | ||
| P/FCF | 12.15 | ||
| P/OCF | 8.11 | ||
| P/B | 2.03 | ||
| P/tB | 2.49 | ||
| EV/EBITDA | 11.44 |
EPS(TTM)1.89
EY10.49%
EPS(NY)1.72
Fwd EY9.52%
FCF(TTM)1.48
FCFY8.23%
OCF(TTM)2.22
OCFY12.33%
SpS9.9
BVpS8.87
TBVpS7.23
PEG (NY)N/A
PEG (5Y)1.14
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.72% | ||
| ROE | 17.22% | ||
| ROCE | 1.36% | ||
| ROIC | 1% | ||
| ROICexc | 1.3% | ||
| ROICexgc | 1.32% | ||
| OM | 19.72% | ||
| PM (TTM) | 15.43% | ||
| GM | 72.33% | ||
| FCFM | 14.98% |
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-Score7
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.75 | ||
| Debt/FCF | 48.6 | ||
| Debt/EBITDA | 2.5 | ||
| Cap/Depr | 103.88% | ||
| Cap/Sales | 7.47% | ||
| Interest Coverage | 52.02 | ||
| Cash Conversion | 83.41% | ||
| Profit Quality | 97.09% | ||
| Current Ratio | 0.54 | ||
| Quick Ratio | 0.54 | ||
| Altman-Z | 0 |
F-Score7
WACC3.14%
ROIC/WACC0.32
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)30.16%
EPS 3Y14.03%
EPS 5Y8.38%
EPS Q2Q%22.4%
EPS Next Y-8.04%
EPS Next 2Y-2.38%
EPS Next 3Y0.87%
EPS Next 5Y2.9%
Revenue 1Y (TTM)6.59%
Revenue growth 3Y4.83%
Revenue growth 5Y-16.83%
Sales Q2Q%6.41%
Revenue Next Year3.73%
Revenue Next 2Y3.07%
Revenue Next 3Y2.89%
Revenue Next 5Y2.48%
EBIT growth 1Y-35.16%
EBIT growth 3Y16.33%
EBIT growth 5Y9.5%
EBIT Next Year39.1%
EBIT Next 3Y15.35%
EBIT Next 5Y12.68%
FCF growth 1Y240.85%
FCF growth 3Y-17.37%
FCF growth 5Y37.99%
OCF growth 1Y105.16%
OCF growth 3Y-11.5%
OCF growth 5Y20.97%