POSTE ITALIANE SPA (PST.MI) Stock Fundamental Analysis
Europe - BIT:PST - IT0003796171 - Common Stock
21.07 EUR
+0.14 (+0.67%)
PST gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 40 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 is not valued too expensively and it also shows a decent growth rate.
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.
In the past 5 years PST has always been profitable.
Each year in the past 5 years PST had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.75%, PST is not doing good in the industry: 65.00% of the companies in the same industry are doing better.
The Return On Equity of PST (16.80%) is better than 75.00% of its industry peers.
PST's Return On Invested Capital of 0.76% is on the low side compared to the rest of the industry. PST is outperformed by 60.00% of its industry peers.
PST had an Average Return On Invested Capital over the past 3 years of 0.89%. This is in line with the industry average of 2.35%.
| 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 90.00% of its industry peers.
PST's Profit Margin has improved in the last couple of years.
PST has a better Operating Margin (20.44%) than 80.00% of its industry peers.
In the last couple of years the Operating Margin of PST has grown nicely.
PST has a Gross Margin of 71.26%. This is amongst the best in the industry. PST outperforms 95.00% 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
PST has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, PST has about the same amount of shares outstanding.
The number of shares outstanding for PST has been reduced compared to 5 years ago.
The debt/assets ratio for PST is higher compared to a year ago.
2.2 Solvency
PST has an Altman-Z score of 0.02. This is a bad value and indicates that PST is not financially healthy and even has some risk of bankruptcy.
PST's Altman-Z score of 0.02 is fine compared to the rest of the industry. PST outperforms 72.50% of its industry peers.
PST has a debt to FCF ratio of 32.88. This is a negative value and a sign of low solvency as PST would need 32.88 years to pay back of all of its debts.
PST has a worse Debt to FCF ratio (32.88) than 67.50% 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.
PST has a Debt to Equity ratio of 6.14. This is amonst the worse of the industry: PST underperforms 92.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.14 | ||
| Debt/FCF | 32.88 | ||
| Altman-Z | 0.02 |
ROIC/WACC0.26
WACC2.92%
2.3 Liquidity
A Current Ratio of 0.54 indicates that PST may have some problems paying its short term obligations.
With a decent Current ratio value of 0.54, PST is doing good in the industry, outperforming 75.00% 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.
PST has a Quick ratio of 0.54. This is in the better half of the industry: PST outperforms 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.54 | ||
| Quick Ratio | 0.54 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 39.31% 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.
PST shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.61%.
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)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
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 2.98% yearly.
EPS Next Y-1.27%
EPS Next 2Y1.31%
EPS Next 3Y4%
EPS Next 5Y4.97%
Revenue Next Year4.96%
Revenue Next 2Y3.44%
Revenue Next 3Y3.11%
Revenue Next 5Y2.98%
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.
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 10.92, the valuation of PST can be described as very reasonable.
75.00% of the companies in the same industry are more expensive than PST, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 25.47, PST is valued rather cheaply.
With a Price/Forward Earnings ratio of 11.41, the valuation of PST can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PST indicates a slightly more expensive valuation: PST is more expensive than 60.00% of the companies listed in the same industry.
PST is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.42, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.92 | ||
| Fwd PE | 11.41 |
4.2 Price Multiples
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 | 11.1 | ||
| EV/EBITDA | -12.18 |
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 2Y1.31%
EPS Next 3Y4%
5. Dividend
5.1 Amount
PST has a Yearly Dividend Yield of 5.08%, which is a nice return.
PST's Dividend Yield is a higher than the industry average which is at 4.50.
PST's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.08% |
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
PST pays out 66.00% of its income as dividend. This is not a sustainable payout ratio.
PST's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP66%
EPS Next 2Y1.31%
EPS Next 3Y4%
BIT:PST (11/20/2025, 3:00:55 PM)
21.07
+0.14 (+0.67%)
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 Cap27.52B
Revenue(TTM)13.30B
Net Income(TTM)2.13B
Analysts72
Price Target20.58 (-2.33%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.08% |
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)3.16%
PT rev (3m)4.67%
EPS NQ rev (1m)-5.34%
EPS NQ rev (3m)-5.34%
EPS NY rev (1m)0.02%
EPS NY rev (3m)7.37%
Revenue NQ rev (1m)-1.59%
Revenue NQ rev (3m)-1.92%
Revenue NY rev (1m)-0.19%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.92 | ||
| Fwd PE | 11.41 | ||
| P/S | 2.07 | ||
| P/FCF | 11.1 | ||
| P/OCF | 7.75 | ||
| P/B | 2.17 | ||
| P/tB | 2.6 | ||
| EV/EBITDA | -12.18 |
EPS(TTM)1.93
EY9.16%
EPS(NY)1.85
Fwd EY8.77%
FCF(TTM)1.9
FCFY9.01%
OCF(TTM)2.72
OCFY12.91%
SpS10.18
BVpS9.73
TBVpS8.12
PEG (NY)N/A
PEG (5Y)1.3
Graham Number20.55
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%
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-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 | 0.02 |
F-Score6
WACC2.92%
ROIC/WACC0.26
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-1.27%
EPS Next 2Y1.31%
EPS Next 3Y4%
EPS Next 5Y4.97%
Revenue 1Y (TTM)-12.61%
Revenue growth 3Y4.83%
Revenue growth 5Y-16.83%
Sales Q2Q%7.18%
Revenue Next Year4.96%
Revenue Next 2Y3.44%
Revenue Next 3Y3.11%
Revenue Next 5Y2.98%
EBIT growth 1Y-10.83%
EBIT growth 3Y16.33%
EBIT growth 5Y9.5%
EBIT Next Year43.26%
EBIT Next 3Y16.08%
EBIT Next 5Y13.5%
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%
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 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 -1.27% in the next year.