BPER BANCA SPA(BIT:BPE) stock Fundamental Analysis

Fundamental Rating

BPE gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 95 industry peers in the Banks industry. Both the profitability and financial health of BPE have multiple concerns. BPE has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally BPE also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

BPE had positive earnings in the past year.

BPE had a negative operating cash flow in the past year.

Each year in the past 5 years BPE has been profitable.

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

1.2 Ratios

BPE has a better Return On Assets (1.00%) than 70.53% of its industry peers.

BPE has a better Return On Equity (12.35%) than 63.16% of its industry peers.

		Industry Rank	Sector Rank
ROA	1%
ROE	12.35%
ROIC	N/A

ROA(3y)1.01%

ROA(5y)0.73%

ROE(3y)15.61%

ROE(5y)11.73%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BPE's Profit Margin of 22.93% is fine compared to the rest of the industry. BPE outperforms 62.11% of its industry peers.

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

The Operating Margin and Gross Margin are not available for BPE so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	22.93%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y28.97%

PM growth 5Y11.28%

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

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

Compared to 1 year ago, BPE has about the same amount of shares outstanding.

The number of shares outstanding for BPE has been increased compared to 5 years ago.

The debt/assets ratio for BPE has been reduced compared to a year ago.

2.2 Solvency

BPE has a Debt/Equity ratio of 0.98. This is a neutral value indicating BPE is somewhat dependend on debt financing.

BPE has a better Debt to Equity ratio (0.98) than 76.84% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.98
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.74%

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

BPE shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.67%.

BPE shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.56% yearly.

Looking at the last year, BPE shows a small growth in Revenue. The Revenue has grown by 2.74% in the last year.

Measured over the past years, BPE shows a quite strong growth in Revenue. The Revenue has been growing by 16.71% on average per year.

EPS 1Y (TTM)-5.67%

EPS 3Y37.89%

EPS 5Y14.56%

EPS Q2Q%-33.07%

Revenue 1Y (TTM)2.74%

Revenue growth 3Y7.58%

Revenue growth 5Y16.71%

Sales Q2Q%-1.52%

3.2 Future

Based on estimates for the next years, BPE will show a small growth in Earnings Per Share. The EPS will grow by 1.52% on average per year.

The Revenue is expected to decrease by -0.64% on average over the next years.

EPS Next Y1.3%

EPS Next 2Y0.49%

EPS Next 3Y1.52%

EPS Next 5YN/A

Revenue Next Year-4.07%

Revenue Next 2Y-2.02%

Revenue Next 3Y-0.64%

Revenue Next 5YN/A

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 decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 7.26 indicates a rather cheap valuation of BPE.

BPE's Price/Earnings ratio is a bit cheaper when compared to the industry. BPE is cheaper than 76.84% of the companies in the same industry.

When comparing the Price/Earnings ratio of BPE to the average of the S&P500 Index (28.79), we can say BPE is valued rather cheaply.

The Price/Forward Earnings ratio is 7.17, which indicates a rather cheap valuation of BPE.

92.63% of the companies in the same industry are more expensive than BPE, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of BPE to the average of the S&P500 Index (21.38), we can say BPE is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7.26
Fwd PE	7.17

4.2 Price Multiples

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

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BPE does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)5.6

PEG (5Y)0.5

EPS Next 2Y0.49%

EPS Next 3Y1.52%

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5. Dividend

5.1 Amount

BPE has a Yearly Dividend Yield of 9.04%, which is a nice return.

BPE's Dividend Yield is rather good when compared to the industry average which is at 5.47. BPE pays more dividend than 97.89% of the companies in the same industry.

BPE's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	9.04%

5.2 History

On average, the dividend of BPE grows each year by 24.33%, which is quite nice.

Dividend Growth(5Y)24.33%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

BPE pays out 30.22% of its income as dividend. This is a sustainable payout ratio.

BPE's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP30.22%

EPS Next 2Y0.49%

EPS Next 3Y1.52%

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BPER BANCA SPA

BIT:BPE (4/25/2025, 7:00:00 PM)

7.044

+0.15 (+2.21%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-06 2025-02-06/amc

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

Inst Owners25.36%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap10.01B

Analysts81.67

Price Target8.45 (19.96%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	9.04%

Yearly Dividend0.3

Dividend Growth(5Y)24.33%

DP30.22%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)26.33%

Min EPS beat(2)20.64%

Max EPS beat(2)32.01%

EPS beat(4)3

Avg EPS beat(4)32.23%

Min EPS beat(4)-22.39%

Max EPS beat(4)98.65%

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)3.8%

Min Revenue beat(2)2.78%

Max Revenue beat(2)4.83%

Revenue beat(4)3

Avg Revenue beat(4)1.43%

Min Revenue beat(4)-2.32%

Max Revenue beat(4)4.83%

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)5.24%

PT rev (3m)16.31%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)1.48%

EPS NY rev (3m)7.87%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.33%

Valuation

		Industry Rank	Sector Rank
PE	7.26
Fwd PE	7.17
P/S	1.64
P/FCF	N/A
P/OCF	N/A
P/B	0.88
P/tB	0.94
EV/EBITDA	N/A

EPS(TTM)0.97

EY13.77%

EPS(NY)0.98

Fwd EY13.95%

FCF(TTM)-1.99

FCFYN/A

OCF(TTM)-1.76

OCFYN/A

SpS4.3

BVpS7.99

TBVpS7.49

PEG (NY)5.6

PEG (5Y)0.5

Profitability

		Industry Rank	Sector Rank
ROA	1%
ROE	12.35%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.93%
GM	N/A
FCFM	N/A

ROA(3y)1.01%

ROA(5y)0.73%

ROE(3y)15.61%

ROE(5y)11.73%

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 3Y28.97%

PM growth 5Y11.28%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.98
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	101.69%
Cap/Sales	5.43%
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-Score4

WACC5.74%

ROIC/WACCN/A

Cap/Depr(3y)118.02%

Cap/Depr(5y)111.52%

Cap/Sales(3y)6.21%

Cap/Sales(5y)6.51%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-5.67%

EPS 3Y37.89%

EPS 5Y14.56%

EPS Q2Q%-33.07%

EPS Next Y1.3%

EPS Next 2Y0.49%

EPS Next 3Y1.52%

EPS Next 5YN/A

Revenue 1Y (TTM)2.74%

Revenue growth 3Y7.58%

Revenue growth 5Y16.71%

Sales Q2Q%-1.52%

Revenue Next Year-4.07%

Revenue Next 2Y-2.02%

Revenue Next 3Y-0.64%

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 1Y25.56%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y26.97%

OCF growth 3YN/A

OCF growth 5YN/A

BPER BANCA SPA (BPE.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

More info and screens