BANCO BPM SPA(BIT:BAMI) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to BAMI. BAMI was compared to 99 industry peers in the Banks industry. There are concerns on the financial health of BAMI while its profitability can be described as average. BAMI is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year BAMI was profitable.

In the past 5 years BAMI has always been profitable.

The reported operating cash flow has been mixed in the past 5 years: BAMI reported negative operating cash flow in multiple years.

1.2 Ratios

With an excellent Return On Assets value of 1.63%, BAMI belongs to the best of the industry, outperforming 91.40% of the companies in the same industry.

With an excellent Return On Equity value of 22.16%, BAMI belongs to the best of the industry, outperforming 96.77% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.63%
ROE	22.16%
ROIC	N/A

ROA(3y)0.65%

ROA(5y)0.45%

ROE(3y)9.14%

ROE(5y)6.39%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BAMI has a Profit Margin of 29.46%. This is in the better half of the industry: BAMI outperforms 79.57% of its industry peers.

In the last couple of years the Profit Margin of BAMI has grown nicely.

BAMI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	29.46%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y38.25%

PM growth 5Y16.59%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BAMI does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for BAMI has been reduced compared to 1 year ago.

The number of shares outstanding for BAMI has been reduced compared to 5 years ago.

BAMI has a better debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 1.65 is on the high side and indicates that BAMI has dependencies on debt financing.

BAMI's Debt to Equity ratio of 1.65 is in line compared to the rest of the industry. BAMI outperforms 58.06% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.65
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.28%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 76.01% over the past year.

Measured over the past years, BAMI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.27% on average per year.

BAMI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.77%.

Measured over the past years, BAMI shows a small growth in Revenue. The Revenue has been growing by 2.26% on average per year.

EPS 1Y (TTM)76.01%

EPS 3Y49.87%

EPS 5Y19.27%

EPS Q2Q%85.16%

Revenue 1Y (TTM)-10.77%

Revenue growth 3Y8.5%

Revenue growth 5Y2.26%

Sales Q2Q%108.36%

3.2 Future

The Earnings Per Share is expected to decrease by -1.36% on average over the next years.

BAMI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.68% yearly.

EPS Next Y-9.02%

EPS Next 2Y-5%

EPS Next 3Y-1.36%

EPS Next 5YN/A

Revenue Next Year-1.21%

Revenue Next 2Y-0.38%

Revenue Next 3Y0.68%

Revenue Next 5YN/A

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 4.59, the valuation of BAMI can be described as very cheap.

96.77% of the companies in the same industry are more expensive than BAMI, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of BAMI to the average of the S&P500 Index (29.35), we can say BAMI is valued rather cheaply.

The Price/Forward Earnings ratio is 9.59, which indicates a very decent valuation of BAMI.

The rest of the industry has a similar Price/Forward Earnings ratio as BAMI.

BAMI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	4.59
Fwd PE	9.59

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.24

EPS Next 2Y-5%

EPS Next 3Y-1.36%

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5. Dividend

5.1 Amount

BAMI has a Yearly Dividend Yield of 10.04%, which is a nice return.

Compared to an average industry Dividend Yield of 5.06, BAMI pays a better dividend. On top of this BAMI pays more dividend than 100.00% of the companies listed in the same industry.

BAMI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	10.04%

5.2 History

Dividend Growth(5Y)N/A

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

DP0%

EPS Next 2Y-5%

EPS Next 3Y-1.36%

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BANCO BPM SPA

BIT:BAMI (3/7/2025, 7:00:00 PM)

9.86

-0.1 (-0.98%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-12 2025-02-12/amc

Earnings (Next)05-07 2025-05-07

Inst Owners39.25%

Inst Owner ChangeN/A

Ins Owners2.15%

Ins Owner ChangeN/A

Market Cap14.94B

Analysts75

Price Target9.41 (-4.56%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	10.04%

Yearly Dividend0.23

Dividend Growth(5Y)N/A

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)2

Avg Revenue beat(2)56.48%

Min Revenue beat(2)4.16%

Max Revenue beat(2)108.79%

Revenue beat(4)3

Avg Revenue beat(4)28.01%

Min Revenue beat(4)-0.98%

Max Revenue beat(4)108.79%

Revenue beat(8)6

Avg Revenue beat(8)14.24%

Revenue beat(12)10

Avg Revenue beat(12)32.69%

Revenue beat(16)14

Avg Revenue beat(16)26.52%

PT rev (1m)12.99%

PT rev (3m)21.91%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)5.94%

EPS NY rev (3m)11.14%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)2.12%

Revenue NY rev (3m)3.94%

Valuation

		Industry Rank	Sector Rank
PE	4.59
Fwd PE	9.59
P/S	1.36
P/FCF	N/A
P/OCF	N/A
P/B	1.02
P/tB	1.12
EV/EBITDA	N/A

EPS(TTM)2.15

EY21.81%

EPS(NY)1.03

Fwd EY10.43%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS7.25

BVpS9.64

TBVpS8.81

PEG (NY)N/A

PEG (5Y)0.24

Profitability

		Industry Rank	Sector Rank
ROA	1.63%
ROE	22.16%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	29.46%
GM	N/A
FCFM	N/A

ROA(3y)0.65%

ROA(5y)0.45%

ROE(3y)9.14%

ROE(5y)6.39%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y38.25%

PM growth 5Y16.59%

GM growth 3YN/A

GM growth 5YN/A

F-ScoreN/A

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	1.65
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

WACC5.28%

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)76.01%

EPS 3Y49.87%

EPS 5Y19.27%

EPS Q2Q%85.16%

EPS Next Y-9.02%

EPS Next 2Y-5%

EPS Next 3Y-1.36%

EPS Next 5YN/A

Revenue 1Y (TTM)-10.77%

Revenue growth 3Y8.5%

Revenue growth 5Y2.26%

Sales Q2Q%108.36%

Revenue Next Year-1.21%

Revenue Next 2Y-0.38%

Revenue Next 3Y0.68%

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

BANCO BPM SPA (BAMI.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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