POSTE ITALIANE SPA (PST.MI) Stock Fundamental Analysis

BIT:PST • IT0003796171

23.21 EUR
+0.34 (+1.49%)
Last: Feb 25, 2026, 05:14 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

PST gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 56 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. PST also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

6

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.
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

  • With a Return On Assets value of 0.76%, PST perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • The Return On Equity of PST (16.35%) is better than 78.57% of its industry peers.
  • The Return On Invested Capital of PST (1.08%) is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for PST is significantly below the industry average of 8.48%.
  • 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

  • With a decent Profit Margin value of 16.12%, PST is doing good in the industry, outperforming 66.07% of the companies in the same industry.
  • PST's Profit Margin has improved in the last couple of years.
  • With a decent Operating Margin value of 20.70%, PST is doing good in the industry, outperforming 73.21% of the companies in the same industry.
  • PST's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 70.85%, PST is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
  • 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.
  • PST has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, PST has a worse debt to assets ratio.
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

  • 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.
  • With a Altman-Z score value of 0.01, PST is not doing good in the industry: 67.86% of the companies in the same industry are doing better.
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 46.28, PST is doing worse than 60.71% of the companies in the same industry.
  • A Debt/Equity ratio of 0.46 indicates that PST is not too dependend on debt financing.
  • PST has a Debt to Equity ratio of 0.46. This is comparable to the rest of the industry: PST outperforms 55.36% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 46.28
Altman-Z 0.01
ROIC/WACC0.29
WACC3.74%
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.
  • With a Current ratio value of 0.50, PST is not doing good in the industry: 73.21% of the companies in the same industry are doing better.
  • 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 73.21% of the companies in the same industry.
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.
  • The Earnings Per Share has been growing by 8.38% on average over the past years. This is quite good.
  • The Revenue for PST has decreased by -13.44% in the past year. This is quite bad
  • The Revenue for PST have been decreasing by -16.83% on average. This is quite bad
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 4.34% on average per year.
  • Based on estimates for the next years, PST will show a small growth in Revenue. The Revenue will grow by 2.23% on average per year.
EPS Next Y-1.73%
EPS Next 2Y1.36%
EPS Next 3Y4.01%
EPS Next 5Y4.34%
Revenue Next Year4.89%
Revenue Next 2Y3.71%
Revenue Next 3Y3.41%
Revenue Next 5Y2.23%

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.
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 2031 0.5 1 1.5 2

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5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.72, the valuation of PST can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of PST indicates a somewhat cheap valuation: PST is cheaper than 64.29% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of PST to the average of the S&P500 Index (26.98), we can say PST is valued rather cheaply.
  • A Price/Forward Earnings ratio of 12.55 indicates a correct valuation of PST.
  • The rest of the industry has a similar Price/Forward Earnings ratio as PST.
  • PST is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.01, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.72
Fwd PE 12.55
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

  • PST's Enterprise Value to EBITDA is on the same level as the industry average.
  • PST's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 14.42
EV/EBITDA 33.76
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)1.4
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

  • With a Yearly Dividend Yield of 4.70%, PST is a good candidate for dividend investing.
  • PST's Dividend Yield is rather good when compared to the industry average which is at 2.21. PST pays more dividend than 83.93% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, PST pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.7%

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.
  • PST's earnings are growing slower than its dividend. 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 (2/25/2026, 5:14:13 PM)

23.21

+0.34 (+1.49%)

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 Cap30.31B
Revenue(TTM)13.44B
Net Income(TTM)2.17B
Analysts69.52
Price Target22.43 (-3.36%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.7%
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)2.48%
PT rev (3m)6.07%
EPS NQ rev (1m)-3.42%
EPS NQ rev (3m)-8.1%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.47%
Revenue NQ rev (1m)-1.74%
Revenue NQ rev (3m)-3.29%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-0.07%
Valuation
Industry RankSector Rank
PE 11.72
Fwd PE 12.55
P/S 2.26
P/FCF 14.42
P/OCF 9.31
P/B 2.29
P/tB 2.72
EV/EBITDA 33.76
EPS(TTM)1.98
EY8.53%
EPS(NY)1.85
Fwd EY7.97%
FCF(TTM)1.61
FCFY6.93%
OCF(TTM)2.49
OCFY10.74%
SpS10.29
BVpS10.14
TBVpS8.54
PEG (NY)N/A
PEG (5Y)1.4
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
WACC3.74%
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 5Y4.34%
Revenue 1Y (TTM)-13.44%
Revenue growth 3Y4.83%
Revenue growth 5Y-16.83%
Sales Q2Q%4.53%
Revenue Next Year4.89%
Revenue Next 2Y3.71%
Revenue Next 3Y3.41%
Revenue Next 5Y2.23%
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 5 / 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 7 / 10.


What is the financial health of POSTE ITALIANE SPA (PST.MI) stock?

The financial health rating of POSTE ITALIANE SPA (PST.MI) is 2 / 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.