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BPER BANCA SPA (BPE.MI) Stock Fundamental Analysis

BIT:BPE - Euronext Milan - IT0000066123 - Common Stock - Currency: EUR

7.594  -0.05 (-0.63%)

Fundamental Rating

3

BPE gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 99 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.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

BPE had positive earnings in the past year.
BPE had positive earnings in each of the past 5 years.
In multiple years BPE reported negative operating cash flow during the last 5 years.
BPE.MI Yearly Net Income VS EBIT VS OCF VS FCFBPE.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B

1.2 Ratios

With a decent Return On Assets value of 1.00%, BPE is doing good in the industry, outperforming 68.82% of the companies in the same industry.
With a decent Return On Equity value of 12.35%, BPE is doing good in the industry, outperforming 64.52% of the companies in the same industry.
Industry RankSector Rank
ROA 1%
ROE 12.35%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
BPE.MI Yearly ROA, ROE, ROICBPE.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

BPE has a Profit Margin (22.93%) which is comparable to the rest of the industry.
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 RankSector 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
BPE.MI Yearly Profit, Operating, Gross MarginsBPE.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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1

2. Health

2.1 Basic Checks

BPE does not have a ROIC to compare to the WACC, probably because it is not profitable.
BPE has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
BPE.MI Yearly Shares OutstandingBPE.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B
BPE.MI Yearly Total Debt VS Total AssetsBPE.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 50B 100B 150B

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 Debt to Equity ratio of 0.98. This is in the better half of the industry: BPE outperforms 74.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.98
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.89%
BPE.MI Yearly LT Debt VS Equity VS FCFBPE.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BPE.MI Yearly Current Assets VS Current LiabilitesBPE.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B

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3

3. Growth

3.1 Past

The earnings per share for BPE have decreased by -5.67% in the last year.
The Earnings Per Share has been growing by 14.56% on average over the past years. This is quite good.
Looking at the last year, BPE shows a small growth in Revenue. The Revenue has grown by 2.74% in the last year.
The Revenue has been growing by 16.71% on average over the past years. This is quite good.
EPS 1Y (TTM)-5.67%
EPS 3Y39.61%
EPS 5Y14.56%
EPS Q2Q%-33.07%
Revenue 1Y (TTM)2.74%
Revenue growth 3Y7.58%
Revenue growth 5Y16.71%
Sales Q2Q%4.06%

3.2 Future

BPE is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.41% yearly.
The Revenue is expected to decrease by -0.64% on average over the next years.
EPS Next Y0.21%
EPS Next 2Y0.18%
EPS Next 3Y1.41%
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.
BPE.MI Yearly Revenue VS EstimatesBPE.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B 5B
BPE.MI Yearly EPS VS EstimatesBPE.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 7.67 indicates a rather cheap valuation of BPE.
74.19% of the companies in the same industry are more expensive than BPE, based on the Price/Earnings ratio.
BPE is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.
BPE is valuated cheaply with a Price/Forward Earnings ratio of 7.84.
86.02% of the companies in the same industry are more expensive than BPE, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, BPE is valued rather cheaply.
Industry RankSector Rank
PE 7.67
Fwd PE 7.84
BPE.MI Price Earnings VS Forward Price EarningsBPE.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BPE.MI Per share dataBPE.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)36.69
PEG (5Y)0.53
EPS Next 2Y0.18%
EPS Next 3Y1.41%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.85%, BPE is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.06, BPE pays a better dividend. On top of this BPE pays more dividend than 96.77% of the companies listed in the same industry.
BPE's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 7.85%

5.2 History

The dividend of BPE is nicely growing with an annual growth rate of 10.70%!
Dividend Growth(5Y)10.7%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

BPE's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y0.18%
EPS Next 3Y1.41%
BPE.MI Yearly Income VS Free CF VS DividendBPE.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B

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BPER BANCA SPA

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

7.594

-0.05 (-0.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05 2025-02-05/amc
Earnings (Next)05-07 2025-05-07
Inst Owners25.36%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap10.80B
Analysts81.67
Price Target8.03 (5.74%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.85%
Yearly Dividend0.13
Dividend Growth(5Y)10.7%
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)6.77%
Min Revenue beat(2)2.78%
Max Revenue beat(2)10.77%
Revenue beat(4)3
Avg Revenue beat(4)2.92%
Min Revenue beat(4)-2.32%
Max Revenue beat(4)10.77%
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)8.09%
PT rev (3m)10.67%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.97%
EPS NY rev (3m)6.3%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.48%
Revenue NY rev (3m)2.13%
Valuation
Industry RankSector Rank
PE 7.67
Fwd PE 7.84
P/S 1.76
P/FCF N/A
P/OCF N/A
P/B 0.95
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)0.99
EY13.04%
EPS(NY)0.97
Fwd EY12.75%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS4.3
BVpS7.99
TBVpS7.49
PEG (NY)36.69
PEG (5Y)0.53
Profitability
Industry RankSector 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)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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-ScoreN/A
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.98
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
WACC5.89%
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)-5.67%
EPS 3Y39.61%
EPS 5Y14.56%
EPS Q2Q%-33.07%
EPS Next Y0.21%
EPS Next 2Y0.18%
EPS Next 3Y1.41%
EPS Next 5YN/A
Revenue 1Y (TTM)2.74%
Revenue growth 3Y7.58%
Revenue growth 5Y16.71%
Sales Q2Q%4.06%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A