POSTE ITALIANE SPA (PST.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:PST - IT0003796171 - Common Stock
20.25 EUR
+0.06 (+0.3%)
PST gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 50 industry peers in the Insurance industry. PST has an excellent profitability rating, but 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.
PST had positive earnings in each of the past 5 years.
Each year in the past 5 years PST had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.76%, PST is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
PST has a better Return On Equity (16.35%) than 62.50% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.08%, PST is in line with its industry, outperforming 50.00% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for PST is in line with the industry average of 2.60%.
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 91.67% 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 amongst the best in the industry. PST outperforms 81.25% of its industry peers.
PST's Operating Margin has improved in the last couple of years.
PST's Gross Margin of 70.85% is amongst the best of the industry. PST outperforms 100.00% 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 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.
The number of shares outstanding for PST has been reduced compared to 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 in the better half of the industry, outperforming 66.67% of the companies in the same industry.
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.
With a Debt to FCF ratio value of 46.28, PST is not doing good in the industry: 70.83% of the companies in the same industry are doing better.
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 fine compared to the rest of the industry. PST outperforms 72.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 46.28 | ||
| Altman-Z | 0.01 |
ROIC/WACC0.33
WACC3.23%
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.
PST has a Current ratio of 0.50. This is in the better half of the industry: PST outperforms 77.08% of its industry peers.
A Quick Ratio of 0.50 indicates that PST may have some problems paying its short term obligations.
PST has a Quick ratio of 0.50. This is in the better half of the industry: PST outperforms 77.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.5 | ||
| Quick Ratio | 0.5 |
3. Growth
3.1 Past
PST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.66%, which is quite impressive.
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.
Measured over the past years, PST shows a very negative growth in Revenue. The Revenue has been decreasing by -16.83% on average per year.
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 4.97% on average per year.
PST is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.86% yearly.
EPS Next Y-1.36%
EPS Next 2Y1.65%
EPS Next 3Y4.14%
EPS Next 5Y4.97%
Revenue Next Year5.01%
Revenue Next 2Y3.57%
Revenue Next 3Y3.24%
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.
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
The Price/Earnings ratio is 10.23, which indicates a very decent valuation of PST.
PST's Price/Earnings ratio is rather cheap when compared to the industry. PST is cheaper than 83.33% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.49, PST is valued rather cheaply.
PST is valuated reasonably with a Price/Forward Earnings ratio of 10.89.
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 23.69, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.23 | ||
| Fwd PE | 10.89 |
4.2 Price Multiples
PST's Enterprise Value to EBITDA ratio is in line with the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PST is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.58 | ||
| EV/EBITDA | 32.85 |
4.3 Compensation for Growth
The decent profitability rating of PST may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.22
EPS Next 2Y1.65%
EPS Next 3Y4.14%
5. Dividend
5.1 Amount
PST has a Yearly Dividend Yield of 5.35%, which is a nice return.
PST's Dividend Yield is a higher than the industry average which is at 4.38.
PST's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.35% |
5.2 History
The dividend of PST is nicely growing with an annual growth rate of 8.66%!
Dividend Growth(5Y)8.66%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
PST pays out 65.05% of its income as dividend. 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 2Y1.65%
EPS Next 3Y4.14%
BIT:PST (12/5/2025, 7:00:00 PM)
20.25
+0.06 (+0.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners11.27%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap26.45B
Revenue(TTM)13.44B
Net Income(TTM)2.17B
Analysts70.48
Price Target21.59 (6.62%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.35% |
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)4.9%
PT rev (3m)9.39%
EPS NQ rev (1m)4.91%
EPS NQ rev (3m)12.08%
EPS NY rev (1m)-0.09%
EPS NY rev (3m)0.01%
Revenue NQ rev (1m)-1.05%
Revenue NQ rev (3m)1.28%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.23 | ||
| Fwd PE | 10.89 | ||
| P/S | 1.97 | ||
| P/FCF | 12.58 | ||
| P/OCF | 8.12 | ||
| P/B | 2 | ||
| P/tB | 2.37 | ||
| EV/EBITDA | 32.85 |
EPS(TTM)1.98
EY9.78%
EPS(NY)1.86
Fwd EY9.18%
FCF(TTM)1.61
FCFY7.95%
OCF(TTM)2.49
OCFY12.31%
SpS10.29
BVpS10.14
TBVpS8.54
PEG (NY)N/A
PEG (5Y)1.22
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
WACC3.23%
ROIC/WACC0.33
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-1.36%
EPS Next 2Y1.65%
EPS Next 3Y4.14%
EPS Next 5Y4.97%
Revenue 1Y (TTM)-13.44%
Revenue growth 3Y4.83%
Revenue growth 5Y-16.83%
Sales Q2Q%4.53%
Revenue Next Year5.01%
Revenue Next 2Y3.57%
Revenue Next 3Y3.24%
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 2 / 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 -1.36% in the next year.