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BANCA POPOLARE DI SONDRIO (BPSO.MI) Stock Fundamental Analysis

BIT:BPSO - Euronext Milan - IT0000784196 - Common Stock - Currency: EUR

10.925  +0.24 (+2.2%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BPSO. BPSO was compared to 95 industry peers in the Banks industry. There are concerns on the financial health of BPSO while its profitability can be described as average. BPSO has a decent growth rate and is not valued too expensively. Finally BPSO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year BPSO was profitable.
BPSO had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: BPSO reported negative operating cash flow in multiple years.
BPSO.MI Yearly Net Income VS EBIT VS OCF VS FCFBPSO.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 2B -2B 4B

1.2 Ratios

BPSO has a better Return On Assets (1.57%) than 90.53% of its industry peers.
With an excellent Return On Equity value of 21.38%, BPSO belongs to the best of the industry, outperforming 95.79% of the companies in the same industry.
Industry RankSector Rank
ROA 1.57%
ROE 21.38%
ROIC N/A
ROA(3y)0.75%
ROA(5y)0.59%
ROE(3y)11.12%
ROE(5y)9.03%
ROIC(3y)N/A
ROIC(5y)N/A
BPSO.MI Yearly ROA, ROE, ROICBPSO.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 34.09%, BPSO belongs to the top of the industry, outperforming 87.37% of the companies in the same industry.
In the last couple of years the Profit Margin of BPSO has grown nicely.
BPSO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 34.09%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y10.32%
PM growth 5Y18.22%
GM growth 3YN/A
GM growth 5YN/A
BPSO.MI Yearly Profit, Operating, Gross MarginsBPSO.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

2. Health

2.1 Basic Checks

BPSO does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BPSO remains at a similar level compared to 1 year ago.
BPSO has about the same amout of shares outstanding than it did 5 years ago.
Compared to 1 year ago, BPSO has an improved debt to assets ratio.
BPSO.MI Yearly Shares OutstandingBPSO.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
BPSO.MI Yearly Total Debt VS Total AssetsBPSO.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.2 Solvency

A Debt/Equity ratio of 1.24 is on the high side and indicates that BPSO has dependencies on debt financing.
BPSO has a Debt to Equity ratio of 1.24. This is in the better half of the industry: BPSO outperforms 71.58% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.24
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.32%
BPSO.MI Yearly LT Debt VS Equity VS FCFBPSO.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BPSO.MI Yearly Current Assets VS Current LiabilitesBPSO.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

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4

3. Growth

3.1 Past

BPSO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.87%, which is quite impressive.
BPSO shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 33.60% yearly.
The Revenue has grown by 14.70% in the past year. This is quite good.
BPSO shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.63% yearly.
EPS 1Y (TTM)28.87%
EPS 3Y28.82%
EPS 5Y33.6%
EPS Q2Q%24.36%
Revenue 1Y (TTM)14.7%
Revenue growth 3Y16.81%
Revenue growth 5Y12.63%
Sales Q2Q%7.65%

3.2 Future

The Earnings Per Share is expected to decrease by -2.35% on average over the next years.
BPSO is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.03% yearly.
EPS Next Y-3.99%
EPS Next 2Y-5.17%
EPS Next 3Y-2.35%
EPS Next 5YN/A
Revenue Next Year-6.54%
Revenue Next 2Y-3.99%
Revenue Next 3Y-2.03%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BPSO.MI Yearly Revenue VS EstimatesBPSO.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
BPSO.MI Yearly EPS VS EstimatesBPSO.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 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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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 5.52, the valuation of BPSO can be described as very cheap.
92.63% of the companies in the same industry are more expensive than BPSO, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of BPSO to the average of the S&P500 Index (28.79), we can say BPSO is valued rather cheaply.
BPSO is valuated reasonably with a Price/Forward Earnings ratio of 8.94.
The rest of the industry has a similar Price/Forward Earnings ratio as BPSO.
When comparing the Price/Forward Earnings ratio of BPSO to the average of the S&P500 Index (21.38), we can say BPSO is valued rather cheaply.
Industry RankSector Rank
PE 5.52
Fwd PE 8.94
BPSO.MI Price Earnings VS Forward Price EarningsBPSO.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
BPSO.MI Per share dataBPSO.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

BPSO's earnings are expected to decrease with -2.35% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.16
EPS Next 2Y-5.17%
EPS Next 3Y-2.35%

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7

5. Dividend

5.1 Amount

BPSO has a Yearly Dividend Yield of 7.48%, which is a nice return.
Compared to an average industry Dividend Yield of 5.47, BPSO pays a better dividend. On top of this BPSO pays more dividend than 89.47% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.51, BPSO pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.48%

5.2 History

The dividend of BPSO is nicely growing with an annual growth rate of 27.43%!
Dividend Growth(5Y)27.43%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

DP0%
EPS Next 2Y-5.17%
EPS Next 3Y-2.35%
BPSO.MI Yearly Income VS Free CF VS DividendBPSO.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 2B -2B

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BANCA POPOLARE DI SONDRIO

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

10.925

+0.24 (+2.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04 2025-02-04/amc
Earnings (Next)05-06 2025-05-06
Inst Owners17.71%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap4.95B
Analysts46.67
Price Target10.86 (-0.59%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.48%
Yearly Dividend0.28
Dividend Growth(5Y)27.43%
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)16.52%
PT rev (3m)22.67%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)14.18%
EPS NY rev (3m)27.76%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.5%
Valuation
Industry RankSector Rank
PE 5.52
Fwd PE 8.94
P/S 1.9
P/FCF N/A
P/OCF N/A
P/B 1.19
P/tB 1.2
EV/EBITDA N/A
EPS(TTM)1.98
EY18.12%
EPS(NY)1.22
Fwd EY11.18%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.75
BVpS9.17
TBVpS9.09
PEG (NY)N/A
PEG (5Y)0.16
Profitability
Industry RankSector Rank
ROA 1.57%
ROE 21.38%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.09%
GM N/A
FCFM N/A
ROA(3y)0.75%
ROA(5y)0.59%
ROE(3y)11.12%
ROE(5y)9.03%
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 3Y10.32%
PM growth 5Y18.22%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 1.24
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
WACC5.32%
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)28.87%
EPS 3Y28.82%
EPS 5Y33.6%
EPS Q2Q%24.36%
EPS Next Y-3.99%
EPS Next 2Y-5.17%
EPS Next 3Y-2.35%
EPS Next 5YN/A
Revenue 1Y (TTM)14.7%
Revenue growth 3Y16.81%
Revenue growth 5Y12.63%
Sales Q2Q%7.65%
Revenue Next Year-6.54%
Revenue Next 2Y-3.99%
Revenue Next 3Y-2.03%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year112.1%
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