BAMI Stock Analysis: Banco Bpm | MI
Banks - Regional | MI, Italy | Market Cap: 23.065m EUR | 12M Return: 66.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 91.3M
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Banco BPM S.p.A. is an Italian diversified bank offering retail, commercial, and corporate banking products and services across six operating segments: Commercial Banking, Corporate and Investment Banking, Asset Management and Insurance, Other Partnerships, Finance, and Corporate Centre. Its product range spans current and digital accounts, mortgages, personal and business loans, credit and debit cards, insurance products, leasing, trade finance, and investment banking services such as M&A and debt capital markets. The bank also provides asset management solutions, including mutual funds, pension funds, and certificate products.
The company was formed in January 2017 through the merger of its predecessor entities and is headquartered in Verona, Italy. As a large-cap Italian bank within the Diversified Banks sub-industry, Banco BPM operates predominantly in the domestic market, serving individuals, small and medium-sized businesses, and larger corporate clients with a mix of traditional and digital banking channels.
- Net interest margin expansion lifts retail banking profits
- UniCredit takeover bid speculation drives valuation premium
- NPL portfolio disposal cuts credit costs and boosts returns
| Net Income: 3.06b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.02 > 0.02 and ΔFCF/TA 0.63 > 1.0 |
| NWC/Revenue: 91.82% < 20% (prev 214.7%; Δ -122.9% < -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: 2.89% > 50% (prev 2.80%; Δ 0.09% > 0%) |
| Interest Coverage Ratio: 1.82 > 6 (EBIT TTM 4.31b / Interest Expense TTM 2.37b) |
| A: 0.03 (Total Current Assets 5.61b - Total Current Liabilities 246.5m) / Total Assets 206b |
| B: 0.03 (Retained Earnings 7.12b / Total Assets 206b) |
| C: 0.02 (EBIT TTM 4.31b / Avg Total Assets 202b) |
| D: 0.08 (Book Value of Equity 15.5b / Total Liabilities 190b) |
| Altman-Z'' = 0.51 = B |
As of July 08, 2026, the stock is trading at EUR 15.59 with a total of 4,416,239 shares traded. Over the past week, the price has changed by +3.14%, over one month by +17.00%, over three months by +34.51% and over the past year by +66.48%.
Current recommended Stop Loss: 15.10 (which is 3.1% or 1.6 ATR below the current price).
Banco Bpm has no consensus analysts rating.
P/E Trailing = 11.1051
P/E Forward = 7.0028
P/S = 4.2525
P/B = 1.5034
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 = 17.5b EUR (23.1b + (null Debt) - CCE 5.61b)
Interest Coverage Ratio = 1.82 (Ebit TTM 4.31b / Interest Expense TTM 2.37b)
EV/FCF = -4.31x (Enterprise Value 17.5b / FCF TTM -4.06b)
FCF Yield = -23.23% (FCF TTM -4.06b / Enterprise Value 17.5b)
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 = 0.08 (Enterprise Value 17.5b / Total Assets 206b)
Interest Expense / Debt = unknown (Interest Expense 2.37b / Debt none)
Taxrate = 28.30% (1.22b / 4.31b)
NOPAT = 3.09b (EBIT 4.31b * (1 - 28.30%))
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 = 1.52% (Net Income 3.06b / Total Assets 206b)
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 = 2.15% (EBIT 4.31b / (Assets 206b - Curr.Liab 246.5m - Cash 5.61b))
WACC = 7.13% (E(23.1b)/V(23.1b) * 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 (2025-06-30): EPS=0.36 | Chg30d=+17.76% | Revisions=+40% | Analysts=2
EPS next Quarter (2025-09-30): EPS=0.26 | Chg30d=+2.48% | Revisions=-25% | Analysts=3
EPS current Year (2025-12-31): EPS=1.21 | Chg30d=+0.28% | Revisions=+0% | GrowthEPS=+8.0% | GrowthRev=+4.3%
EPS next Year (2026-12-31): EPS=1.27 | Chg30d=+1.11% | Revisions=+35% | GrowthEPS=+2.3% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: +25% (up=16, down=9)