POSTE ITALIANE SPA (PST.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:PST - IT0003796171 - Common Stock
22.255 EUR
+0 (+0.02%)
Taking everything into account, PST scores 4 out of 10 in our fundamental rating. PST was compared to 58 industry peers in the Financial Services industry. There are concerns on the financial health of PST while its profitability can be described as average. PST has a correct valuation and a medium growth rate. Finally PST also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
PST had positive earnings in the past year.
In the past year PST had a positive cash flow from operations.
Each year in the past 5 years PST has been profitable.
Each year in the past 5 years PST had a positive operating cash flow.
1.2 Ratios
PST's Return On Assets of 0.76% is in line compared to the rest of the industry. PST outperforms 46.55% of its industry peers.
The Return On Equity of PST (16.35%) is better than 74.14% of its industry peers.
The Return On Invested Capital of PST (1.08%) is worse than 62.07% of its industry peers.
The Average Return On Invested Capital over the past 3 years for PST is significantly below the industry average of 9.69%.
The last Return On Invested Capital (1.08%) for PST is above the 3 year average (0.89%), which is a sign of increasing profitability.
| 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
Looking at the Profit Margin, with a value of 16.12%, PST is in the better half of the industry, outperforming 65.52% of the companies in the same industry.
In the last couple of years the Profit Margin of PST has grown nicely.
PST's Operating Margin of 20.70% is fine compared to the rest of the industry. PST outperforms 70.69% of its industry peers.
PST's Operating Margin has improved in the last couple of years.
PST has a better Gross Margin (70.85%) than 70.69% of its industry peers.
PST's Gross Margin has declined in the last couple of years.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PST is destroying value.
PST has about the same amout of shares outstanding than it did 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
Based on the Altman-Z score of 0.01, we must say that PST is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of PST (0.01) is worse than 74.14% of its industry peers.
The Debt to FCF ratio of PST is 46.28, which is on the high side as it means it would take PST, 46.28 years of fcf income to pay off 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 70.69% 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 55.17% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 46.28 | ||
| Altman-Z | 0.01 |
ROIC/WACC0.29
WACC3.65%
2.3 Liquidity
PST has a Current 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 Current ratio of PST (0.50) is worse than 77.59% 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.
Looking at the Quick ratio, with a value of 0.50, PST is doing worse than 77.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.5 | ||
| Quick Ratio | 0.5 |
3. Growth
3.1 Past
PST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.66%, which is quite impressive.
PST shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.38% yearly.
The Revenue for PST has decreased by -13.44% in the past year. This is quite bad
Measured over the past years, PST shows a very negative growth in Revenue. The Revenue has been decreasing by -16.83% on average per year.
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 4.97% on average over the next years.
Based on estimates for the next years, PST will show a small growth in Revenue. The Revenue will grow by 2.86% on average per year.
EPS Next Y-1.54%
EPS Next 2Y1.47%
EPS Next 3Y4.04%
EPS Next 5Y4.97%
Revenue Next Year4.94%
Revenue Next 2Y3.5%
Revenue Next 3Y3.18%
Revenue Next 5Y2.86%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.24, the valuation of PST can be described as reasonable.
Based on the Price/Earnings ratio, PST is valued a bit cheaper than 72.41% of the companies in the same industry.
PST's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.17.
A Price/Forward Earnings ratio of 12.01 indicates a correct valuation of PST.
Based on the Price/Forward Earnings ratio, PST is valued a bit cheaper than the industry average as 60.34% of the companies are valued more expensively.
PST's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.24 | ||
| Fwd PE | 12.01 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PST indicates a slightly more expensive valuation: PST is more expensive than 62.07% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, PST is valued a bit cheaper than 60.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.83 | ||
| EV/EBITDA | 33.55 |
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)1.34
EPS Next 2Y1.47%
EPS Next 3Y4.04%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.03%, PST is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.04, PST pays a better dividend. On top of this PST pays more dividend than 87.93% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.94, PST pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.03% |
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
65.05% of the earnings are spent on dividend by PST. 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 (1/7/2026, 3:26:10 PM)
22.255
+0 (+0.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners11.34%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap29.07B
Revenue(TTM)13.44B
Net Income(TTM)2.17B
Analysts70.48
Price Target21.59 (-2.99%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.03% |
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)2.09%
PT rev (3m)8.22%
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 | 11.24 | ||
| Fwd PE | 12.01 | ||
| P/S | 2.16 | ||
| P/FCF | 13.83 | ||
| P/OCF | 8.92 | ||
| P/B | 2.19 | ||
| P/tB | 2.6 | ||
| EV/EBITDA | 33.55 |
EPS(TTM)1.98
EY8.9%
EPS(NY)1.85
Fwd EY8.33%
FCF(TTM)1.61
FCFY7.23%
OCF(TTM)2.49
OCFY11.2%
SpS10.29
BVpS10.14
TBVpS8.54
PEG (NY)N/A
PEG (5Y)1.34
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
WACC3.65%
ROIC/WACC0.29
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 5Y4.97%
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 5Y2.86%
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.