POSTE ITALIANE SPA (PST.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:PST - IT0003796171 - Common Stock
22.15 EUR
+0.05 (+0.23%)
Overall PST gets a fundamental rating of 4 out of 10. We evaluated PST against 58 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.
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.
In the past 5 years PST always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.76%, PST is in line with its industry, outperforming 48.28% of the companies in the same industry.
PST has a better Return On Equity (16.35%) than 79.31% of its industry peers.
PST's Return On Invested Capital of 1.08% is in line compared to the rest of the industry. PST outperforms 41.38% 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 8.80%.
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 65.52% of its industry peers.
PST's Profit Margin has improved in the last couple of years.
PST has a Operating Margin of 20.70%. This is in the better half of the industry: PST outperforms 70.69% 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 74.14% 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
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.
The number of shares outstanding for PST has been reduced compared to 5 years ago.
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.
PST's Altman-Z score of 0.01 is on the low side compared to the rest of the industry. PST is outperformed by 74.14% 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 worse Debt to FCF ratio (46.28) than 67.24% 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 has a Debt to Equity ratio (0.46) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 46.28 | ||
| Altman-Z | 0.01 |
ROIC/WACC0.3
WACC3.64%
2.3 Liquidity
A Current Ratio of 0.50 indicates that PST may have some problems paying its short term obligations.
PST has a Current ratio of 0.50. This is in the lower half of the industry: PST underperforms 74.14% of its industry peers.
A Quick Ratio of 0.50 indicates that PST may have some problems paying its short term obligations.
The Quick ratio of PST (0.50) is worse than 74.14% of its industry peers.
| 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.
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.
Looking at the last year, PST shows a very negative growth in Revenue. The Revenue has decreased by -13.44% in the last year.
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 4.67% 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 2.62% on average per year.
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.
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
PST is valuated reasonably with a Price/Earnings ratio of 11.19.
70.69% of the companies in the same industry are more expensive than PST, based on the Price/Earnings ratio.
PST's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.25.
A Price/Forward Earnings ratio of 11.95 indicates a reasonable valuation of PST.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PST indicates a somewhat cheap valuation: PST is cheaper than 60.34% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.98, PST is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.19 | ||
| Fwd PE | 11.95 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as PST.
60.34% of the companies in the same industry are more expensive than PST, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.76 | ||
| EV/EBITDA | 33.5 |
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
PST has a Yearly Dividend Yield of 4.82%, which is a nice return.
Compared to an average industry Dividend Yield of 1.97, PST pays a better dividend. On top of this PST pays more dividend than 84.48% 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 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.82% |
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
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 2Y1.47%
EPS Next 3Y4.04%
BIT:PST (1/12/2026, 7:00:00 PM)
22.15
+0.05 (+0.23%)
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 Cap28.93B
Revenue(TTM)13.44B
Net Income(TTM)2.17B
Analysts70.48
Price Target21.59 (-2.53%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.82% |
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)0%
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 | 11.19 | ||
| Fwd PE | 11.95 | ||
| P/S | 2.15 | ||
| P/FCF | 13.76 | ||
| P/OCF | 8.88 | ||
| P/B | 2.18 | ||
| P/tB | 2.59 | ||
| EV/EBITDA | 33.5 |
EPS(TTM)1.98
EY8.94%
EPS(NY)1.85
Fwd EY8.37%
FCF(TTM)1.61
FCFY7.27%
OCF(TTM)2.49
OCFY11.26%
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
WACC3.64%
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 6 / 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.