POSTE ITALIANE SPA (PST.MI) Stock Fundamental Analysis
Europe • Euronext Milan • BIT:PST • IT0003796171
22.98 EUR
+0.1 (+0.44%)
Last: Feb 4, 2026, 07:00 PM
Taking everything into account, PST scores 4 out of 10 in our fundamental rating. PST was compared to 55 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.
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.
- 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 47.27% of its industry peers.
- PST's Return On Equity of 16.35% is fine compared to the rest of the industry. PST outperforms 74.55% of its industry peers.
- PST has a worse Return On Invested Capital (1.08%) than 60.00% 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 9.19%.
- 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 better Profit Margin (16.12%) than 63.64% 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 70.91% of its industry peers.
- 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 70.91% 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PST is destroying value.
- The number of shares outstanding for PST remains at a similar level compared to 1 year ago.
- PST has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, PST has a worse debt to assets ratio.
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 has a Altman-Z score of 0.01. This is in the lower half of the industry: PST underperforms 76.36% 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.
- Looking at the Debt to FCF ratio, with a value of 46.28, PST is doing worse than 67.27% of the companies in the same industry.
- PST has a Debt/Equity ratio of 0.46. This is a healthy value indicating a solid balance between debt and equity.
- With a Debt to Equity ratio value of 0.46, PST perfoms like the industry average, outperforming 60.00% 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
WACC3.77%
2.3 Liquidity
- A Current Ratio of 0.50 indicates that PST may have some problems paying its short term obligations.
- Looking at the Current ratio, with a value of 0.50, PST is doing worse than 76.36% of the companies in the same industry.
- 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 76.36% of the companies in the same industry.
| 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.
- 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.
- 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.
- PST is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.62% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
- PST is valuated reasonably with a Price/Earnings ratio of 11.61.
- 63.64% 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 28.25.
- A Price/Forward Earnings ratio of 12.43 indicates a correct valuation of PST.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of PST is on the same level as its industry peers.
- Compared to an average S&P500 Price/Forward Earnings ratio of 27.50, PST is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.61 | ||
| Fwd PE | 12.43 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, PST is valued a bit more expensive than the industry average as 61.82% of the companies are valued more cheaply.
- PST's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.28 | ||
| EV/EBITDA | 33.77 |
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)1.39
EPS Next 2Y1.36%
EPS Next 3Y4.01%
5. Dividend
5.1 Amount
- PST has a Yearly Dividend Yield of 4.91%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.10, PST pays a better dividend. On top of this PST pays more dividend than 83.64% 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 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.91% |
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%
BIT:PST (2/4/2026, 7:00:00 PM)
22.98
+0.1 (+0.44%)
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 Cap30.01B
Revenue(TTM)13.44B
Net Income(TTM)2.17B
Analysts70.48
Price Target21.89 (-4.74%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.91% |
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)6.36%
EPS NQ rev (1m)-4.88%
EPS NQ rev (3m)-0.21%
EPS NY rev (1m)-0.19%
EPS NY rev (3m)-0.45%
Revenue NQ rev (1m)-0.98%
Revenue NQ rev (3m)-2.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.61 | ||
| Fwd PE | 12.43 | ||
| P/S | 2.23 | ||
| P/FCF | 14.28 | ||
| P/OCF | 9.22 | ||
| P/B | 2.27 | ||
| P/tB | 2.69 | ||
| EV/EBITDA | 33.77 |
EPS(TTM)1.98
EY8.62%
EPS(NY)1.85
Fwd EY8.05%
FCF(TTM)1.61
FCFY7%
OCF(TTM)2.49
OCFY10.85%
SpS10.29
BVpS10.14
TBVpS8.54
PEG (NY)N/A
PEG (5Y)1.39
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
WACC3.77%
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.