POSTE ITALIANE SPA (PST.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:PST - IT0003796171 - Common Stock
21.925 EUR
-0.21 (-0.97%)
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. PST has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
- In the past 5 years PST always reported a positive cash flow from operatings.
1.2 Ratios
- With a Return On Assets value of 0.76%, PST perfoms like the industry average, outperforming 45.00% of the companies in the same industry.
- PST has a better Return On Equity (16.35%) than 73.33% of its industry peers.
- PST has a Return On Invested Capital of 1.08%. This is in the lower half of the industry: PST underperforms 61.67% 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 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
- With a decent Profit Margin value of 16.12%, PST is doing good in the industry, outperforming 61.67% 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 68.33% of its industry peers.
- In the last couple of years the Operating Margin of PST has grown nicely.
- Looking at the Gross Margin, with a value of 70.85%, PST is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
- 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.
- 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
- Compared to 1 year ago, PST has a worse debt to assets ratio.
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's Altman-Z score of 0.01 is on the low side compared to the rest of the industry. PST is outperformed by 73.33% 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's Debt to FCF ratio of 46.28 is on the low side compared to the rest of the industry. PST is outperformed by 66.67% of its industry peers.
- A Debt/Equity ratio of 0.46 indicates that PST is not too dependend on debt financing.
- The Debt to Equity ratio of PST (0.46) 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/WACC0.29
WACC3.66%
2.3 Liquidity
- A Current Ratio of 0.50 indicates that PST may have some problems paying its short term obligations.
- With a Current ratio value of 0.50, PST is not doing good in the industry: 76.67% 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.
- The Quick ratio of PST (0.50) is worse than 76.67% 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.
- The Earnings Per Share has been growing by 8.38% on average over the past years. This is quite good.
- Looking at the last year, PST shows a very negative growth in Revenue. The Revenue has decreased by -13.44% in the last year.
- 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 4.67% on average per year.
- 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
- 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.
- 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
- A Price/Earnings ratio of 11.07 indicates a reasonable valuation of PST.
- Based on the Price/Earnings ratio, PST is valued a bit cheaper than 66.67% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, PST is valued rather cheaply.
- With a Price/Forward Earnings ratio of 11.83, the valuation of PST can be described as very reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as PST.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. PST is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.07 | ||
| Fwd PE | 11.83 |
4.2 Price Multiples
- 63.33% 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 in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.62 | ||
| EV/EBITDA | 33.51 |
4.3 Compensation for Growth
- The decent profitability rating of PST may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.32
EPS Next 2Y1.47%
EPS Next 3Y4.04%
5. Dividend
5.1 Amount
- PST has a Yearly Dividend Yield of 4.88%, which is a nice return.
- PST's Dividend Yield is rather good when compared to the industry average which is at 1.95. PST pays more dividend than 86.67% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.85, PST pays a better dividend.
| 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
- 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 (1/19/2026, 12:13:17 PM)
21.925
-0.21 (-0.97%)
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 Cap28.64B
Revenue(TTM)13.44B
Net Income(TTM)2.17B
Analysts70.48
Price Target21.89 (-0.16%)
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 | 11.07 | ||
| Fwd PE | 11.83 | ||
| P/S | 2.13 | ||
| P/FCF | 13.62 | ||
| P/OCF | 8.79 | ||
| P/B | 2.16 | ||
| P/tB | 2.57 | ||
| EV/EBITDA | 33.51 |
EPS(TTM)1.98
EY9.03%
EPS(NY)1.85
Fwd EY8.45%
FCF(TTM)1.61
FCFY7.34%
OCF(TTM)2.49
OCFY11.37%
SpS10.29
BVpS10.14
TBVpS8.54
PEG (NY)N/A
PEG (5Y)1.32
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
WACC3.66%
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 5Y4.67%
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.