POSTE ITALIANE SPA (PST.MI) Stock Fundamental Analysis
Europe • Euronext Milan • BIT:PST • IT0003796171
22.2 EUR
+0.21 (+0.95%)
Last: Jan 30, 2026, 07:00 PM
Taking everything into account, PST scores 4 out of 10 in our fundamental rating. PST was compared to 59 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.
- In the past year PST had a positive cash flow from operations.
- Each year in the past 5 years PST has been profitable.
- Each year in the past 5 years PST had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.76%, PST is in line with its industry, outperforming 44.07% of the companies in the same industry.
- PST's Return On Equity of 16.35% is fine compared to the rest of the industry. PST outperforms 74.58% of its industry peers.
- PST's Return On Invested Capital of 1.08% is on the low side compared to the rest of the industry. PST is outperformed by 62.71% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for PST is significantly below the industry average of 10.19%.
- The last Return On Invested Capital (1.08%) for PST is above the 3 year average (0.89%), which is a sign of increasing profitability.
| 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
- The Profit Margin of PST (16.12%) is better than 62.71% of its industry peers.
- In the last couple of years the Profit Margin of PST has grown nicely.
- Looking at the Operating Margin, with a value of 20.70%, PST is in the better half of the industry, outperforming 67.80% of the companies in the same industry.
- 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 72.88% 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.
- Compared to 1 year ago, PST has about the same amount of shares outstanding.
- PST has less shares outstanding than it did 5 years ago.
- PST has a worse debt/assets ratio than last year.
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.
- With a Altman-Z score value of 0.01, PST is not doing good in the industry: 74.58% of the companies in the same industry are doing better.
- 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.
- The Debt to FCF ratio of PST (46.28) is worse than 69.49% 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 (0.46) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 46.28 | ||
| Altman-Z | 0.01 |
ROIC/WACC0.29
WACC3.67%
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 77.97% 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.
- PST's Quick ratio of 0.50 is on the low side compared to the rest of the industry. PST is outperformed by 77.97% 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.
- PST shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.38% yearly.
- 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
- The Earnings Per Share is expected to grow by 4.67% on average over the next years.
- Based on estimates for the next years, PST will show a small growth in Revenue. The Revenue will grow by 2.62% on average per year.
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
- 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
- PST is valuated reasonably with a Price/Earnings ratio of 11.21.
- PST's Price/Earnings ratio is a bit cheaper when compared to the industry. PST is cheaper than 66.10% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.32. PST is valued rather cheaply when compared to this.
- With a Price/Forward Earnings ratio of 12.01, PST is valued correctly.
- PST's Price/Forward Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, PST is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.21 | ||
| Fwd PE | 12.01 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, PST is valued a bit more expensive than the industry average as 64.41% of the companies are valued more cheaply.
- PST's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.79 | ||
| EV/EBITDA | 33.53 |
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)1.34
EPS Next 2Y1.36%
EPS Next 3Y4.01%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.91%, PST is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 1.99, PST pays a better dividend. On top of this PST pays more dividend than 86.44% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, PST pays a better dividend.
| 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%
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 decline by -1.73% in the next year.