POSTE ITALIANE SPA (PST.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:PST - IT0003796171 - Common Stock
22.09 EUR
+0.39 (+1.8%)
Taking everything into account, PST scores 4 out of 10 in our fundamental rating. PST was compared to 60 industry peers in the Financial Services industry. While PST is still in line with the averages on profitability rating, there are concerns on its financial health. PST is not valued too expensively and it also shows a decent growth rate. Finally PST also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- PST had positive earnings in the past year.
- PST had a positive operating cash flow in the past year.
- In the past 5 years PST has always been profitable.
- PST had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.76%, PST is in line with its industry, outperforming 46.67% of the companies in the same industry.
- PST's Return On Equity of 16.35% is fine compared to the rest of the industry. PST outperforms 75.00% of its industry peers.
- The Return On Invested Capital of PST (1.08%) is worse than 60.00% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for PST is significantly below the industry average of 10.51%.
- The 3 year average ROIC (0.89%) for PST is below the current ROIC(1.08%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 16.35% | ||
| ROIC | 1.08% |
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
- PST has a Profit Margin of 16.12%. This is in the better half of the industry: PST outperforms 63.33% of its industry peers.
- In the last couple of years the Profit Margin of PST has grown nicely.
- Looking at the Operating Margin, with a value of 20.70%, PST is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
- PST's Operating Margin has improved in the last couple of years.
- The Gross Margin of PST (70.85%) is better than 71.67% of its industry peers.
- In the last couple of years the Gross Margin of PST has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.7% | ||
| PM (TTM) | 16.12% | ||
| GM | 70.85% |
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
- PST has a worse debt/assets ratio than last year.
2.2 Solvency
- PST has an Altman-Z score of 0.01. This is a bad value and indicates that PST is not financially healthy and even has some risk of bankruptcy.
- PST has a worse Altman-Z score (0.01) than 75.00% of its industry peers.
- PST has a debt to FCF ratio of 46.28. This is a negative value and a sign of low solvency as PST would need 46.28 years to pay back of all of its debts.
- PST has a Debt to FCF ratio of 46.28. This is in the lower half of the industry: PST underperforms 65.00% of its industry peers.
- PST has a Debt/Equity ratio of 0.46. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.46, PST is in line with its industry, outperforming 60.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 46.28 | ||
| Altman-Z | 0.01 |
ROIC/WACC0.3
WACC3.61%
2.3 Liquidity
- A Current Ratio of 0.50 indicates that PST may have some problems paying its short term obligations.
- PST has a worse Current ratio (0.50) than 75.00% of its industry peers.
- PST has a Quick Ratio of 0.50. This is a bad value and indicates that PST is not financially healthy enough and could expect problems in meeting its short term obligations.
- The Quick ratio of PST (0.50) is worse than 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.5 | ||
| Quick Ratio | 0.5 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 28.66% over the past year.
- 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 for PST has decreased by -13.44% in the past year. This is quite bad
- PST shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -16.83% yearly.
EPS 1Y (TTM)28.66%
EPS 3Y14.03%
EPS 5Y8.38%
EPS Q2Q%9.17%
Revenue 1Y (TTM)-13.44%
Revenue growth 3Y4.83%
Revenue growth 5Y-16.83%
Sales Q2Q%4.53%
3.2 Future
- The Earnings Per Share is expected to grow by 4.67% on average over the next years.
- The Revenue is expected to grow by 2.62% on average over the next years.
EPS Next Y-1.54%
EPS Next 2Y1.47%
EPS Next 3Y4.04%
EPS Next 5Y4.67%
Revenue Next Year4.94%
Revenue Next 2Y3.5%
Revenue Next 3Y3.18%
Revenue Next 5Y2.62%
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 11.16, which indicates a very decent valuation of PST.
- Compared to the rest of the industry, the Price/Earnings ratio of PST indicates a somewhat cheap valuation: PST is cheaper than 68.33% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of PST to the average of the S&P500 Index (27.32), we can say PST is valued rather cheaply.
- A Price/Forward Earnings ratio of 11.92 indicates a reasonable valuation of PST.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of PST is on the same level as its industry peers.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.30, PST is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.16 | ||
| Fwd PE | 11.92 |
4.2 Price Multiples
- 60.00% of the companies in the same industry are cheaper than PST, based on the Enterprise Value to EBITDA ratio.
- PST's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PST is cheaper than 61.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.73 | ||
| EV/EBITDA | 33.36 |
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)1.33
EPS Next 2Y1.47%
EPS Next 3Y4.04%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.88%, PST is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 1.95, PST pays a better dividend. On top of this PST pays more dividend than 85.00% of the companies listed in the same industry.
- PST's Dividend Yield is rather good when compared to the S&P500 average which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.88% |
5.2 History
- On average, the dividend of PST grows each year by 8.66%, which is quite nice.
Dividend Growth(5Y)8.66%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- PST pays out 65.05% of its income as dividend. This is not a sustainable payout ratio.
- The dividend of PST is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP65.05%
EPS Next 2Y1.47%
EPS Next 3Y4.04%
BIT:PST (1/22/2026, 5:36:15 PM)
22.09
+0.39 (+1.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-13 2025-11-13/bmo
Earnings (Next)02-19 2026-02-19/amc
Inst Owners11.34%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap28.85B
Revenue(TTM)13.44B
Net Income(TTM)2.17B
Analysts70.48
Price Target21.89 (-0.91%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.88% |
Yearly Dividend0.9
Dividend Growth(5Y)8.66%
DP65.05%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.4%
Min EPS beat(2)5.7%
Max EPS beat(2)9.09%
EPS beat(4)4
Avg EPS beat(4)21.86%
Min EPS beat(4)5.7%
Max EPS beat(4)59.68%
EPS beat(8)7
Avg EPS beat(8)13.77%
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)2.47%
Min Revenue beat(2)2.12%
Max Revenue beat(2)2.83%
Revenue beat(4)4
Avg Revenue beat(4)3.95%
Min Revenue beat(4)2.12%
Max Revenue beat(4)6.59%
Revenue beat(8)8
Avg Revenue beat(8)3.13%
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)1.39%
PT rev (3m)9.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.57%
EPS NY rev (1m)-0.19%
EPS NY rev (3m)-0.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.28%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)-0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.16 | ||
| Fwd PE | 11.92 | ||
| P/S | 2.15 | ||
| P/FCF | 13.73 | ||
| P/OCF | 8.86 | ||
| P/B | 2.18 | ||
| P/tB | 2.59 | ||
| EV/EBITDA | 33.36 |
EPS(TTM)1.98
EY8.96%
EPS(NY)1.85
Fwd EY8.39%
FCF(TTM)1.61
FCFY7.29%
OCF(TTM)2.49
OCFY11.29%
SpS10.29
BVpS10.14
TBVpS8.54
PEG (NY)N/A
PEG (5Y)1.33
Graham Number21.25
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 16.35% | ||
| ROCE | 1.47% | ||
| ROIC | 1.08% | ||
| ROICexc | 1.08% | ||
| ROICexgc | 1.09% | ||
| OM | 20.7% | ||
| PM (TTM) | 16.12% | ||
| GM | 70.85% | ||
| FCFM | 15.64% |
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%
ROICexgc growth 3Y15.42%
ROICexgc 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-Score5
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 46.28 | ||
| Debt/EBITDA | 1.63 | ||
| Cap/Depr | 117.38% | ||
| Cap/Sales | 8.59% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 86.48% | ||
| Profit Quality | 97.05% | ||
| Current Ratio | 0.5 | ||
| Quick Ratio | 0.5 | ||
| Altman-Z | 0.01 |
F-Score5
WACC3.61%
ROIC/WACC0.3
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)28.66%
EPS 3Y14.03%
EPS 5Y8.38%
EPS Q2Q%9.17%
EPS Next Y-1.54%
EPS Next 2Y1.47%
EPS Next 3Y4.04%
EPS Next 5Y4.67%
Revenue 1Y (TTM)-13.44%
Revenue growth 3Y4.83%
Revenue growth 5Y-16.83%
Sales Q2Q%4.53%
Revenue Next Year4.94%
Revenue Next 2Y3.5%
Revenue Next 3Y3.18%
Revenue Next 5Y2.62%
EBIT growth 1Y-15.21%
EBIT growth 3Y16.33%
EBIT growth 5Y9.5%
EBIT Next Year43.85%
EBIT Next 3Y16.56%
EBIT Next 5Y13.5%
FCF growth 1Y179.52%
FCF growth 3Y-17.37%
FCF growth 5Y37.99%
OCF growth 1Y110.81%
OCF growth 3Y-11.5%
OCF growth 5Y20.97%
POSTE ITALIANE SPA / PST.MI FAQ
Can you provide the ChartMill fundamental rating for POSTE ITALIANE SPA?
ChartMill assigns a fundamental rating of 4 / 10 to PST.MI.
What is the valuation status of POSTE ITALIANE SPA (PST.MI) stock?
ChartMill assigns a valuation rating of 5 / 10 to POSTE ITALIANE SPA (PST.MI). This can be considered as Fairly Valued.
What is the profitability of PST stock?
POSTE ITALIANE SPA (PST.MI) has a profitability rating of 6 / 10.
What is the financial health of POSTE ITALIANE SPA (PST.MI) stock?
The financial health rating of POSTE ITALIANE SPA (PST.MI) is 1 / 10.
What is the earnings growth outlook for POSTE ITALIANE SPA?
The Earnings per Share (EPS) of POSTE ITALIANE SPA (PST.MI) is expected to decline by -1.54% in the next year.