POSTE ITALIANE SPA (PST.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:PST - IT0003796171 - Common Stock
21.48 EUR
+0.17 (+0.8%)
PST gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 56 industry peers in the Financial Services industry. There are concerns on the financial health of PST while its profitability can be described as average. PST has a decent growth rate and is not valued too expensively. 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.
PST had positive earnings in each of the past 5 years.
PST had a positive operating cash flow in each 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's Return On Equity of 16.35% is fine compared to the rest of the industry. PST outperforms 75.00% of its industry peers.
PST has a Return On Invested Capital (1.08%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for PST is significantly below the industry average of 8.78%.
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 66.07% 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 71.43% of its industry peers.
PST's Operating Margin has improved in the last couple of years.
PST has a Gross Margin of 70.85%. This is in the better half of the industry: PST outperforms 67.86% of its industry peers.
In the last couple of years the Gross Margin of PST has declined.
| 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.
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.
Looking at the Altman-Z score, with a value of 0.01, PST is doing worse than 71.43% of the companies in the same industry.
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 67.86% of its industry peers.
A Debt/Equity ratio of 0.46 indicates that PST is not too dependend on debt financing.
PST has a Debt to Equity ratio of 0.46. This is comparable 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/WACC0.3
WACC3.56%
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 78.57% of its industry peers.
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.
PST has a worse Quick ratio (0.50) than 78.57% 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.
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.
PST shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -16.83% yearly.
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
PST is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.97% yearly.
Based on estimates for the next years, PST will show a small growth in Revenue. The Revenue will grow by 2.86% on average per year.
EPS Next Y-1.54%
EPS Next 2Y1.47%
EPS Next 3Y4.04%
EPS Next 5Y4.97%
Revenue Next Year4.94%
Revenue Next 2Y3.5%
Revenue Next 3Y3.18%
Revenue Next 5Y2.86%
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
The Price/Earnings ratio is 10.85, which indicates a very decent valuation of PST.
PST's Price/Earnings ratio is a bit cheaper when compared to the industry. PST is cheaper than 71.43% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.77, PST is valued rather cheaply.
A Price/Forward Earnings ratio of 11.59 indicates a reasonable 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 23.35, PST is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.85 | ||
| Fwd PE | 11.59 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PST is valued a bit more expensive than 60.71% of the companies in the same industry.
PST's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.35 | ||
| EV/EBITDA | 33.28 |
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)1.3
EPS Next 2Y1.47%
EPS Next 3Y4.04%
5. Dividend
5.1 Amount
PST has a Yearly Dividend Yield of 5.02%, 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 87.50% 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 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.02% |
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 2Y1.47%
EPS Next 3Y4.04%
BIT:PST (12/30/2025, 7:00:00 PM)
21.48
+0.17 (+0.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners11.27%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap28.06B
Revenue(TTM)13.44B
Net Income(TTM)2.17B
Analysts70.48
Price Target21.59 (0.51%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.02% |
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)2.09%
PT rev (3m)8.22%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.57%
EPS NY rev (1m)-0.28%
EPS NY rev (3m)-0.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.28%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)0.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.85 | ||
| Fwd PE | 11.59 | ||
| P/S | 2.09 | ||
| P/FCF | 13.35 | ||
| P/OCF | 8.61 | ||
| P/B | 2.12 | ||
| P/tB | 2.51 | ||
| EV/EBITDA | 33.28 |
EPS(TTM)1.98
EY9.22%
EPS(NY)1.85
Fwd EY8.63%
FCF(TTM)1.61
FCFY7.49%
OCF(TTM)2.49
OCFY11.61%
SpS10.29
BVpS10.14
TBVpS8.54
PEG (NY)N/A
PEG (5Y)1.3
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
WACC3.56%
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 5Y4.97%
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 5Y2.86%
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 for PST 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.