POSTE ITALIANE SPA (PST.MI) Stock Fundamental Analysis
BIT:PST • IT0003796171
22.75 EUR
-0.25 (-1.09%)
Last: Feb 27, 2026, 07:00 PM
Taking everything into account, PST scores 5 out of 10 in our fundamental rating. PST was compared to 55 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.
- In the past year PST had a positive cash flow from operations.
- In the past 5 years PST has always been profitable.
- PST had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- PST has a Return On Assets (0.76%) which is in line with its industry peers.
- PST has a Return On Equity of 16.35%. This is amongst the best in the industry. PST outperforms 80.36% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 1.06%, PST is in line with its industry, outperforming 44.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 16.35% | ||
| ROIC | 1.06% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- The Profit Margin of PST (16.12%) is better than 67.86% of its industry peers.
- 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 75.00% of the companies in the same industry.
- In the last couple of years the Operating Margin of PST has grown nicely.
- PST has a Gross Margin of 70.85%. This is in the better half of the industry: PST outperforms 73.21% 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 3Y3.54%
OM growth 5Y10.24%
PM growth 3Y5.54%
PM growth 5Y7.28%
GM growth 3Y-2.84%
GM growth 5Y-1.88%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PST is destroying value.
- PST has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 worse Altman-Z score (0.01) than 69.64% 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.
- PST has a Debt to FCF ratio of 46.28. This is comparable to the rest of the industry: PST outperforms 41.07% 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 57.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 46.28 | ||
| Altman-Z | 0.01 |
ROIC/WACC0.29
WACC3.72%
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.
- Looking at the Current ratio, with a value of 0.50, PST is doing worse than 71.43% of the companies in the same industry.
- A Quick Ratio of 0.50 indicates that PST may have some problems paying its short term obligations.
- With a Quick ratio value of 0.50, PST is not doing good in the industry: 71.43% of the companies in the same industry are doing better.
| 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 99.22% over the past year.
- The Earnings Per Share has been growing by 12.95% on average over the past years. This is quite good.
- PST shows a strong growth in Revenue. In the last year, the Revenue has grown by 82.18%.
- The Revenue has been growing slightly by 5.24% on average over the past years.
EPS 1Y (TTM)99.22%
EPS 3Y11.91%
EPS 5Y12.95%
EPS Q2Q%434.38%
Revenue 1Y (TTM)82.18%
Revenue growth 3Y6.07%
Revenue growth 5Y5.24%
Sales Q2Q%290.57%
3.2 Future
- PST is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.62% yearly.
- Based on estimates for the next years, PST will show a small growth in Revenue. The Revenue will grow by 1.62% on average per year.
EPS Next Y4.54%
EPS Next 2Y7%
EPS Next 3Y5.38%
EPS Next 5Y5.62%
Revenue Next Year2.55%
Revenue Next 2Y2.67%
Revenue Next 3Y2.89%
Revenue Next 5Y1.62%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 7.41, the valuation of PST can be described as very cheap.
- Based on the Price/Earnings ratio, PST is valued cheaper than 82.14% of the companies in the same industry.
- When comparing the Price/Earnings ratio of PST to the average of the S&P500 Index (27.07), we can say PST is valued rather cheaply.
- The Price/Forward Earnings ratio is 12.30, which 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 28.05, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.41 | ||
| Fwd PE | 12.3 |
4.2 Price Multiples
- PST's Enterprise Value to EBITDA ratio is in line with the industry average.
- The rest of the industry has a similar Price/Free Cash Flow ratio as PST.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.14 | ||
| EV/EBITDA | 14.23 |
4.3 Compensation for Growth
- PST's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- PST has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.63
PEG (5Y)0.57
EPS Next 2Y7%
EPS Next 3Y5.38%
5. Dividend
5.1 Amount
- PST has a Yearly Dividend Yield of 4.70%, which is a nice return.
- PST's Dividend Yield is rather good when compared to the industry average which is at 2.26. PST pays more dividend than 80.36% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, PST pays a better dividend.
| Industry Rank | Sector 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.
- The dividend of PST is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP65.05%
EPS Next 2Y7%
EPS Next 3Y5.38%
BIT:PST (2/27/2026, 7:00:00 PM)
22.75
-0.25 (-1.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25 2026-02-25/amc
Earnings (Next)05-06 2026-05-06
Inst Owners11.34%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap29.71B
Revenue(TTM)23.55B
Net Income(TTM)2.17B
Analysts69.52
Price Target22.52 (-1.01%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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)2.89%
PT rev (3m)6.5%
EPS NQ rev (1m)-3.42%
EPS NQ rev (3m)-8.14%
EPS NY rev (1m)0%
EPS NY rev (3m)0.09%
Revenue NQ rev (1m)-1.74%
Revenue NQ rev (3m)-2.7%
Revenue NY rev (1m)0.41%
Revenue NY rev (3m)0.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.41 | ||
| Fwd PE | 12.3 | ||
| P/S | 2.21 | ||
| P/FCF | 14.14 | ||
| P/OCF | 9.12 | ||
| P/B | 2.24 | ||
| P/tB | 2.66 | ||
| EV/EBITDA | 14.23 |
EPS(TTM)3.07
EY13.49%
EPS(NY)1.85
Fwd EY8.13%
FCF(TTM)1.61
FCFY7.07%
OCF(TTM)2.49
OCFY10.96%
SpS10.29
BVpS10.14
TBVpS8.54
PEG (NY)1.63
PEG (5Y)0.57
Graham Number26.47
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 16.35% | ||
| ROCE | 1.47% | ||
| ROIC | 1.06% | ||
| ROICexc | 1.36% | ||
| ROICexgc | 1.38% | ||
| OM | 20.7% | ||
| PM (TTM) | 16.12% | ||
| GM | 70.85% | ||
| FCFM | 15.64% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y3.54%
OM growth 5Y10.24%
PM growth 3Y5.54%
PM growth 5Y7.28%
GM growth 3Y-2.84%
GM growth 5Y-1.88%
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
WACC3.72%
ROIC/WACC0.29
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)99.22%
EPS 3Y11.91%
EPS 5Y12.95%
EPS Q2Q%434.38%
EPS Next Y4.54%
EPS Next 2Y7%
EPS Next 3Y5.38%
EPS Next 5Y5.62%
Revenue 1Y (TTM)82.18%
Revenue growth 3Y6.07%
Revenue growth 5Y5.24%
Sales Q2Q%290.57%
Revenue Next Year2.55%
Revenue Next 2Y2.67%
Revenue Next 3Y2.89%
Revenue Next 5Y1.62%
EBIT growth 1Y-15.21%
EBIT growth 3Y9.82%
EBIT growth 5Y16.01%
EBIT Next Year34.2%
EBIT Next 3Y14.11%
EBIT Next 5YN/A
FCF growth 1Y19.7%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y21.62%
OCF growth 3YN/A
OCF growth 5YN/A
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 grow by 4.54% in the next year.