POSTE ITALIANE SPA (PST.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:PST - IT0003796171 - Common Stock
20.7 EUR
+0.11 (+0.53%)
Overall PST gets a fundamental rating of 5 out of 10. We evaluated PST against 50 industry peers in the Insurance industry. While PST belongs to the best of the industry regarding profitability, there are concerns on its financial health. PST has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year PST was profitable.
PST had a positive operating cash flow in the past year.
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
PST has a worse Return On Assets (0.76%) than 66.00% of its industry peers.
PST has a better Return On Equity (16.35%) than 62.00% of its industry peers.
PST's Return On Invested Capital of 1.08% is in line compared to the rest of the industry. PST outperforms 50.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for PST is in line with the industry average of 2.66%.
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
With an excellent Profit Margin value of 16.12%, PST belongs to the best of the industry, outperforming 92.00% of the companies in the same industry.
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 82.00% 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PST is destroying value.
PST has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, PST has less shares outstanding
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.
PST has a Altman-Z score of 0.01. This is in the better half of the industry: PST outperforms 68.00% of its industry peers.
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 68.00% 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 fine compared to the rest of the industry. PST outperforms 72.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 46.28 | ||
| Altman-Z | 0.01 |
ROIC/WACC0.33
WACC3.3%
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.
The Current ratio of PST (0.50) is better than 78.00% 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 better Quick ratio (0.50) than 78.00% 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.
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.
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-1.36%
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
Based on the Price/Earnings ratio of 10.45, the valuation of PST can be described as reasonable.
Based on the Price/Earnings ratio, PST is valued cheaply inside the industry as 84.00% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.59, PST is valued rather cheaply.
A Price/Forward Earnings ratio of 11.13 indicates a reasonable valuation of PST.
PST's Price/Forward Earnings is on the same level as the industry average.
PST's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.45 | ||
| Fwd PE | 11.13 |
4.2 Price Multiples
PST's Enterprise Value to EBITDA ratio is in line with the industry average.
PST's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.86 | ||
| EV/EBITDA | 32.97 |
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 2Y1.65%
EPS Next 3Y4.14%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.35%, PST is a good candidate for dividend investing.
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
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 2Y1.65%
EPS Next 3Y4.14%
BIT:PST (12/11/2025, 5:36:15 PM)
20.7
+0.11 (+0.53%)
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 Cap27.04B
Revenue(TTM)13.44B
Net Income(TTM)2.17B
Analysts70.48
Price Target21.59 (4.3%)
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 | 10.45 | ||
| Fwd PE | 11.13 | ||
| P/S | 2.01 | ||
| P/FCF | 12.86 | ||
| P/OCF | 8.3 | ||
| P/B | 2.04 | ||
| P/tB | 2.42 | ||
| EV/EBITDA | 32.97 |
EPS(TTM)1.98
EY9.57%
EPS(NY)1.86
Fwd EY8.99%
FCF(TTM)1.61
FCFY7.77%
OCF(TTM)2.49
OCFY12.05%
SpS10.29
BVpS10.14
TBVpS8.54
PEG (NY)N/A
PEG (5Y)1.25
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
WACC3.3%
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 5 / 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 7 / 10.
What is the financial health of POSTE ITALIANE SPA (PST.MI) stock?
The financial health rating of POSTE ITALIANE SPA (PST.MI) is 3 / 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.