POSTE ITALIANE SPA (PST.MI) Stock Fundamental Analysis
Europe - BIT:PST - IT0003796171 - Common Stock
20.24 EUR
+0.05 (+0.25%)
Overall PST gets a fundamental rating of 4 out of 10. We evaluated PST against 39 industry peers in the Insurance 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.
1. Profitability
1.1 Basic Checks
In the past year PST was profitable.
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
With a Return On Assets value of 0.75%, PST is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
The Return On Equity of PST (16.80%) is better than 71.79% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.76%, PST is in line with its industry, outperforming 41.03% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for PST is in line with the industry average of 2.36%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.75% | ||
| ROE | 16.8% | ||
| ROIC | 0.76% |
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's Profit Margin of 16.06% is amongst the best of the industry. PST outperforms 87.18% of its industry peers.
PST's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 20.44%, PST is doing good in the industry, outperforming 79.49% of the companies in the same industry.
PST's Operating Margin has improved in the last couple of years.
The Gross Margin of PST (71.26%) is better than 97.44% of its industry peers.
PST's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.44% | ||
| PM (TTM) | 16.06% | ||
| GM | 71.26% |
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.
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
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.
The Altman-Z score of PST (0.01) is better than 74.36% of its industry peers.
The Debt to FCF ratio of PST is 32.88, which is on the high side as it means it would take PST, 32.88 years of fcf income to pay off all of its debts.
PST's Debt to FCF ratio of 32.88 is on the low side compared to the rest of the industry. PST is outperformed by 69.23% of its industry peers.
PST has a Debt/Equity ratio of 6.14. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 6.14, PST is doing worse than 89.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.14 | ||
| Debt/FCF | 32.88 | ||
| Altman-Z | 0.01 |
ROIC/WACC0.24
WACC3.22%
2.3 Liquidity
PST has a Current Ratio of 0.54. 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 0.54, PST is in the better half of the industry, outperforming 76.92% of the companies in the same industry.
A Quick Ratio of 0.54 indicates that PST may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.54, PST is in the better half of the industry, outperforming 76.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.54 | ||
| Quick Ratio | 0.54 |
3. Growth
3.1 Past
PST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 39.31%, 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.
The Revenue for PST has decreased by -12.61% 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)39.31%
EPS 3Y14.03%
EPS 5Y8.38%
EPS Q2Q%12.22%
Revenue 1Y (TTM)-12.61%
Revenue growth 3Y4.83%
Revenue growth 5Y-16.83%
Sales Q2Q%7.18%
3.2 Future
PST is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.57% yearly.
PST is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.59% yearly.
EPS Next Y-1.29%
EPS Next 2Y1.16%
EPS Next 3Y3.77%
EPS Next 5Y4.57%
Revenue Next Year5.16%
Revenue Next 2Y3.47%
Revenue Next 3Y3.12%
Revenue Next 5Y2.59%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.49, the valuation of PST can be described as very reasonable.
Based on the Price/Earnings ratio, PST is valued a bit cheaper than 74.36% of the companies in the same industry.
PST's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.69.
Based on the Price/Forward Earnings ratio of 10.99, the valuation of PST can be described as reasonable.
PST's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.18. PST is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.49 | ||
| Fwd PE | 10.99 |
4.2 Price Multiples
PST's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.66 | ||
| EV/EBITDA | -12.44 |
4.3 Compensation for Growth
The decent profitability rating of PST may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.25
EPS Next 2Y1.16%
EPS Next 3Y3.77%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.29%, PST is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.55, PST pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, PST pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.29% |
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
66.00% 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.
DP66%
EPS Next 2Y1.16%
EPS Next 3Y3.77%
BIT:PST (10/21/2025, 5:12:01 PM)
20.24
+0.05 (+0.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners11.11%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap26.44B
Analysts72
Price Target19.95 (-1.43%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.29% |
Yearly Dividend0.9
Dividend Growth(5Y)8.66%
DP66%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.33%
Min EPS beat(2)5.7%
Max EPS beat(2)12.95%
EPS beat(4)4
Avg EPS beat(4)22.07%
Min EPS beat(4)5.7%
Max EPS beat(4)59.68%
EPS beat(8)6
Avg EPS beat(8)12.34%
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)3.56%
Min Revenue beat(2)2.83%
Max Revenue beat(2)4.28%
Revenue beat(4)4
Avg Revenue beat(4)3.9%
Min Revenue beat(4)1.88%
Max Revenue beat(4)6.59%
Revenue beat(8)7
Avg Revenue beat(8)2.82%
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)5.43%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.63%
EPS NY rev (1m)0.08%
EPS NY rev (3m)7.35%
Revenue NQ rev (1m)-0.34%
Revenue NQ rev (3m)2.26%
Revenue NY rev (1m)0.3%
Revenue NY rev (3m)1.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.49 | ||
| Fwd PE | 10.99 | ||
| P/S | 1.99 | ||
| P/FCF | 10.66 | ||
| P/OCF | 7.44 | ||
| P/B | 2.08 | ||
| P/tB | 2.49 | ||
| EV/EBITDA | -12.44 |
EPS(TTM)1.93
EY9.54%
EPS(NY)1.84
Fwd EY9.1%
FCF(TTM)1.9
FCFY9.38%
OCF(TTM)2.72
OCFY13.44%
SpS10.18
BVpS9.73
TBVpS8.12
PEG (NY)N/A
PEG (5Y)1.25
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.75% | ||
| ROE | 16.8% | ||
| ROCE | 1.44% | ||
| ROIC | 0.76% | ||
| ROICexc | 0.92% | ||
| ROICexgc | 0.93% | ||
| OM | 20.44% | ||
| PM (TTM) | 16.06% | ||
| GM | 71.26% | ||
| FCFM | 18.64% |
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%
ROICexcg growth 3Y15.42%
ROICexcg 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-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.14 | ||
| Debt/FCF | 32.88 | ||
| Debt/EBITDA | 21.18 | ||
| Cap/Depr | 110.95% | ||
| Cap/Sales | 8.08% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 96.39% | ||
| Profit Quality | 116.11% | ||
| Current Ratio | 0.54 | ||
| Quick Ratio | 0.54 | ||
| Altman-Z | 0.01 |
F-Score6
WACC3.22%
ROIC/WACC0.24
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)39.31%
EPS 3Y14.03%
EPS 5Y8.38%
EPS Q2Q%12.22%
EPS Next Y-1.29%
EPS Next 2Y1.16%
EPS Next 3Y3.77%
EPS Next 5Y4.57%
Revenue 1Y (TTM)-12.61%
Revenue growth 3Y4.83%
Revenue growth 5Y-16.83%
Sales Q2Q%7.18%
Revenue Next Year5.16%
Revenue Next 2Y3.47%
Revenue Next 3Y3.12%
Revenue Next 5Y2.59%
EBIT growth 1Y-10.83%
EBIT growth 3Y16.33%
EBIT growth 5Y9.5%
EBIT Next Year43.26%
EBIT Next 3Y16.08%
EBIT Next 5Y13.06%
FCF growth 1Y82.41%
FCF growth 3Y-17.37%
FCF growth 5Y37.99%
OCF growth 1Y61.87%
OCF growth 3Y-11.5%
OCF growth 5Y20.97%