POSTE ITALIANE SPA (PST.MI) Stock Fundamental Analysis

BIT:PST • IT0003796171

22.58 EUR
-0.3 (-1.31%)
Last: Feb 13, 2026, 02:13 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Taking everything into account, PST scores 4 out of 10 in our fundamental rating. PST was compared to 59 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 has a correct valuation and a medium growth rate. Finally PST also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year PST was profitable.
  • PST had a positive operating cash flow in the past year.
  • PST had positive earnings in each of the past 5 years.
  • In the past 5 years PST always reported a positive cash flow from operatings.
PST.MI Yearly Net Income VS EBIT VS OCF VS FCFPST.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B 4B

1.2 Ratios

  • PST has a Return On Assets (0.76%) which is comparable to the rest of the industry.
  • With a decent Return On Equity value of 16.35%, PST is doing good in the industry, outperforming 74.58% of the companies in the same industry.
  • The Return On Invested Capital of PST (1.08%) is worse than 62.71% of its industry peers.
  • PST had an Average Return On Invested Capital over the past 3 years of 0.89%. This is significantly below the industry average of 9.72%.
  • The 3 year average ROIC (0.89%) for PST is below the current ROIC(1.08%), indicating increased profibility in the last year.
Industry RankSector 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%
PST.MI Yearly ROA, ROE, ROICPST.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

  • PST has a better Profit Margin (16.12%) than 61.02% of its industry peers.
  • In the last couple of years the Profit Margin of PST has grown nicely.
  • PST has a Operating Margin of 20.70%. This is in the better half of the industry: PST outperforms 67.80% of its industry peers.
  • In the last couple of years the Operating Margin of PST has grown nicely.
  • PST's Gross Margin of 70.85% is fine compared to the rest of the industry. PST outperforms 71.19% of its industry peers.
  • PST's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
PST.MI Yearly Profit, Operating, Gross MarginsPST.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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.
  • Compared to 1 year ago, PST has about the same amount of shares outstanding.
  • Compared to 5 years ago, PST has less shares outstanding
  • The debt/assets ratio for PST is higher compared to a year ago.
PST.MI Yearly Shares OutstandingPST.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
PST.MI Yearly Total Debt VS Total AssetsPST.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B 250B

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.
  • With a Altman-Z score value of 0.01, PST is not doing good in the industry: 74.58% of the companies in the same industry are doing better.
  • 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's Debt to FCF ratio of 46.28 is on the low side compared to the rest of the industry. PST is outperformed by 67.80% 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.
  • PST's Debt to Equity ratio of 0.46 is in line compared to the rest of the industry. PST outperforms 55.93% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 46.28
Altman-Z 0.01
ROIC/WACC0.29
WACC3.75%
PST.MI Yearly LT Debt VS Equity VS FCFPST.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B

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.
  • PST's Current ratio of 0.50 is on the low side compared to the rest of the industry. PST is outperformed by 77.97% of its industry peers.
  • A Quick Ratio of 0.50 indicates that PST may have some problems paying its short term obligations.
  • PST's Quick ratio of 0.50 is on the low side compared to the rest of the industry. PST is outperformed by 77.97% of its industry peers.
Industry RankSector Rank
Current Ratio 0.5
Quick Ratio 0.5
PST.MI Yearly Current Assets VS Current LiabilitesPST.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

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.
  • PST shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -13.44%.
  • 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

  • Based on estimates for the next years, PST will show a small growth in Earnings Per Share. The EPS will grow by 4.67% on average per year.
  • Based on estimates for the next years, PST will show a small growth in Revenue. The Revenue will grow by 2.62% on average per year.
EPS Next Y-1.73%
EPS Next 2Y1.36%
EPS Next 3Y4.01%
EPS Next 5Y4.67%
Revenue Next Year4.94%
Revenue Next 2Y3.5%
Revenue Next 3Y3.18%
Revenue Next 5Y2.62%

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 accelerating: in the next years the growth will be better than in the last years.
PST.MI Yearly Revenue VS EstimatesPST.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 10B 20B 30B
PST.MI Yearly EPS VS EstimatesPST.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0.5 1 1.5 2

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4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.40 indicates a reasonable valuation of PST.
  • PST's Price/Earnings ratio is a bit cheaper when compared to the industry. PST is cheaper than 62.71% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.67. PST is valued rather cheaply when compared to this.
  • PST is valuated correctly with a Price/Forward Earnings ratio of 12.21.
  • PST's Price/Forward Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 27.69. PST is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.4
Fwd PE 12.21
PST.MI Price Earnings VS Forward Price EarningsPST.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PST is valued a bit more expensive than 61.02% of the companies in the same industry.
  • PST's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 14.03
EV/EBITDA 33.77
PST.MI Per share dataPST.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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)1.36
EPS Next 2Y1.36%
EPS Next 3Y4.01%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • PST has a Yearly Dividend Yield of 4.73%, which is a nice return.
  • PST's Dividend Yield is rather good when compared to the industry average which is at 2.15. PST pays more dividend than 84.75% of the companies in the same industry.
  • PST's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 4.73%

5.2 History

  • The dividend of PST is nicely growing with an annual growth rate of 8.66%!
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 2Y1.36%
EPS Next 3Y4.01%
PST.MI Yearly Income VS Free CF VS DividendPST.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B
PST.MI Dividend Payout.PST.MI Dividend Payout, showing the Payout Ratio.PST.MI Dividend Payout.PayoutRetained Earnings

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POSTE ITALIANE SPA

BIT:PST (2/13/2026, 2:13:35 PM)

22.58

-0.3 (-1.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-13
Earnings (Next)02-25
Inst Owners11.34%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap29.49B
Revenue(TTM)13.44B
Net Income(TTM)2.17B
Analysts70.48
Price Target22.43 (-0.66%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.73%
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)3.9%
PT rev (3m)9%
EPS NQ rev (1m)-8.14%
EPS NQ rev (3m)-3.63%
EPS NY rev (1m)-0.19%
EPS NY rev (3m)-0.47%
Revenue NQ rev (1m)-2.7%
Revenue NQ rev (3m)-3.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.02%
Valuation
Industry RankSector Rank
PE 11.4
Fwd PE 12.21
P/S 2.19
P/FCF 14.03
P/OCF 9.05
P/B 2.23
P/tB 2.64
EV/EBITDA 33.77
EPS(TTM)1.98
EY8.77%
EPS(NY)1.85
Fwd EY8.19%
FCF(TTM)1.61
FCFY7.13%
OCF(TTM)2.49
OCFY11.04%
SpS10.29
BVpS10.14
TBVpS8.54
PEG (NY)N/A
PEG (5Y)1.36
Graham Number21.25
Profitability
Industry RankSector 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 RankSector 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
WACC3.75%
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-1.73%
EPS Next 2Y1.36%
EPS Next 3Y4.01%
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 4 / 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 -1.73% in the next year.