(BAMI) Banco Bpm SpA - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: MI (Italy) | Market Cap: 19.701m EUR | Total Return: 43.6% in 12m
Avg Turnover: 71.3M
Warnings
Choppy
Tailwinds
No distinct edge detected
Banco BPM S.p.A. (BAMI) is a major Italian financial institution headquartered in Verona, formed in 2017 through the merger of Banco Popolare and Banca Popolare di Milano. The group operates a diversified business model organized into six primary segments: Commercial, Corporate and Investment Banking, Asset Management and Insurance, Finance, Private Equity Partnerships, and Corporate Centre. Its service suite encompasses retail banking, specialized corporate financing, leasing, and insurance brokerage.
The company maintains a significant presence in Italy’s wealthiest northern regions, focusing on the Small and Medium Enterprise (SME) sector, which serves as the backbone of the Italian economy. As a diversified bank, Banco BPM generates revenue through net interest income from lending and fee-based income from wealth management and investment banking activities. The Italian banking sector is currently characterized by high consolidation and a transition toward digital distribution channels to reduce operational overhead.
Investors may find it useful to examine ValueRay for deeper insights into the companys valuation metrics. This institution also provides specialized ESG-linked financing and risk hedging services, reflecting the broader European regulatory shift toward sustainable finance and standardized capital requirements.
- Net interest income sensitivity to European Central Bank monetary policy shifts
- Strategic expansion of fee-based income through asset management and insurance partnerships
- Asset quality stability hinges on Italian corporate and SME credit performance
- Potential consolidation activity within the Italian banking sector drives valuation volatility
- Operating efficiency improvements through digitalization and workforce restructuring initiatives
| Net Income: 3.06b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.02 > 0.02 and ΔFCF/TA 0.55 > 1.0 |
| NWC/Revenue: 91.82% < 20% (prev 293.3%; Δ -201.5% < -1%) |
| CFO/TA -0.02 > 3% & CFO -3.54b > Net Income 3.06b |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: 22.74 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.50b) vs 12m ago 0.13% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 2.95% > 50% (prev 2.05%; Δ 0.90% > 0%) |
| Interest Coverage Ratio: 1.82 > 6 (EBITDA TTM 4.59b / Interest Expense TTM 2.37b) |
| A: 0.03 (Total Current Assets 5.61b - Total Current Liabilities 246.5m) / Total Assets 198b |
| B: 0.04 (Retained Earnings 7.12b / Total Assets 198b) |
| C: 0.02 (EBIT TTM 4.31b / Avg Total Assets 198b) |
| D: 0.08 (Book Value of Equity 14.2b / Total Liabilities 184b) |
| Altman-Z'' = 0.52 = B |
As of May 24, 2026, the stock is trading at EUR 13.30 with a total of 9,608,688 shares traded.
Over the past week, the price has changed by +1.57%,
over one month by +8.70%,
over three months by +6.58% and
over the past year by +43.63%.
Banco Bpm SpA has no consensus analysts rating.
P/E Trailing = 9.4855
P/E Forward = 7.0028
P/S = 3.6323
P/B = 1.2625
P/EG = 1.8108
Revenue TTM = 5.84b EUR
EBIT TTM = 4.31b EUR
EBITDA TTM = 4.59b EUR
Long Term Debt = 25.3b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 14.1b EUR (19.7b + (null Debt) - CCE 5.61b)
Interest Coverage Ratio = 1.82 (Ebit TTM 4.31b / Interest Expense TTM 2.37b)
EV/FCF = -3.48x (Enterprise Value 14.1b / FCF TTM -4.06b)
FCF Yield = -28.77% (FCF TTM -4.06b / Enterprise Value 14.1b)
FCF Margin = -69.46% (FCF TTM -4.06b / Revenue TTM 5.84b)
Net Margin = 52.46% (Net Income TTM 3.06b / Revenue TTM 5.84b)
Gross Margin = unknown ((Revenue TTM 5.84b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.07 (Enterprise Value 14.1b / Total Assets 198b)
Interest Expense / Debt = unknown (Interest Expense 2.37b / Debt none)
Taxrate = 27.36% (331.5m / 1.21b)
NOPAT = 3.13b (EBIT 4.31b * (1 - 27.36%))
Current Ratio = 22.74 (Total Current Assets 5.61b / Total Current Liabilities 246.5m)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 4.59b)
Debt / FCF = unknown (Net Debt none / FCF TTM -4.06b)
Total Stockholder Equity = 15.3b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.54% (Net Income 3.06b / Total Assets 198b)
RoE = 19.98% (Net Income TTM 3.06b / Total Stockholder Equity 15.3b)
RoCE = 10.60% (EBIT 4.31b / Capital Employed (Equity 15.3b + L.T.Debt 25.3b))
RoIC = 2.24% (EBIT 4.31b / (Assets 198b - Curr.Liab 246.5m - Cash 5.61b))
WACC = 7.13% (E(19.7b)/V(19.7b) * Re(7.13%) + (debt-free company))
Discount Rate = 7.13% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -35.96 | Cagr: -0.10%
[DCF] Fair Price = unknown (Cash Flow -4.06b)
EPS Correlation: 97.98 | EPS CAGR: 63.44% | SUE: 0.39 | # QB: 0
Revenue Correlation: 99.76 | Revenue CAGR: 6.00% | SUE: -0.08 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.34 | Chg30d=-0.71% | Revisions=-20% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.30 | Chg30d=-2.87% | Revisions=-20% | Analysts=3
EPS current Year (2026-12-31): EPS=1.25 | Chg30d=+0.17% | Revisions=+20% | GrowthEPS=+0.8% | GrowthRev=+3.9%
EPS next Year (2027-12-31): EPS=1.33 | Chg30d=+1.01% | Revisions=+43% | GrowthEPS=+6.6% | GrowthRev=+3.2%
[Analyst] Revisions Ratio: +43%