(BPE) BPER Banca SpA - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: MI (Italy) | Market Cap: 22.269m EUR | Total Return: 112.5% in 12m
Accounts, Loans, Mortgages, Cards, Investments, Leasing
Total Rating 60
Safety 87
Buy Signal 0.60
Banks - Regional
Industry Rotation: +9.3
Industry Rotation: +9.3
Market Cap:
25.7B
Avg Turnover: 79.8M EUR
Avg Turnover: 79.8M EUR
ATR:
3.69%
Peers RS (IBD): 99.2
Peers RS (IBD): 99.2
Risk 5d forecast
Volatility31.1%
Rel. Tail Risk-2.00%
Reward TTM
Sharpe Ratio2.38
Alpha67.64
Character TTM
Beta0.574
Beta Downside0.279
Drawdowns 3y
Max DD24.65%
CAGR/Max DD3.00
EPS (Earnings per Share)
EPS CAGR: 102.97%
EPS Trend: 23.2%
EPS Trend: 23.2%
Last SUE: 0.09
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 19.98%
Rev. Trend: 88.8%
Rev. Trend: 88.8%
Last SUE: 3.81
Qual. Beats: 4
Qual. Beats: 4
Warnings
No concerns identified
Tailwinds
Garp
Description: BPE BPER Banca SpA
BPER Banca SpA (ticker BPE) is an Italian regional bank offering a full suite of retail and corporate banking services, including current and savings accounts, loans, mortgages, insurance, digital banking, cards, and wealth-management solutions such as portfolio advisory and SICAV funds. Founded in 1867 and headquartered in Modena, the bank serves individuals, professionals, and businesses both domestically and abroad.
In its latest Q1 2024 report, BPER posted a net profit of €210 million, a 12% increase YoY, driven by a 3.4% rise in loan book volume and a stable net interest margin of 1.85%. The CET1 capital ratio improved to 15.2%, comfortably above the regulatory minimum, while non-performing loans fell to 2.9% of total exposures, reflecting continued credit-quality improvements.
Key sector drivers include the European Central Bank’s gradual tightening cycle, which is lifting interest-rate spreads for regional banks, and accelerating digital adoption that is reshaping customer acquisition costs. For a deeper dive, you might explore ValueRay’s analysis of BPE.
- Italian interest rate fluctuations impact net interest income
- Loan growth and credit quality affect profitability
- Regulatory capital requirements influence dividend policy
- Economic conditions in Italy drive loan demand and defaults
- Digital banking adoption reduces operational costs
Piotroski VR‑10 (Strict)
2.5
| Net Income: 1.82b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.0 > 0.02 and ΔFCF/TA 2.03 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.01 > 3% & CFO 1.82b > Net Income 1.82b |
| Net Debt (2.76b) to EBITDA (4.10b): 0.67 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (1.96b) vs 12m ago 38.61% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 4.90% > 50% (prev 4.13%; Δ 0.77% > 0%) |
| Interest Coverage Ratio: 3.67 > 6 (EBITDA TTM 4.10b / Interest Expense TTM 1.02b) |
What is the price of BPE shares?
As of April 08, 2026, the stock is trading at EUR 11.39 with a total of 7,245,599 shares traded.
Over the past week, the price has changed by +2.25%, over one month by +5.72%, over three months by -5.39% and over the past year by +112.54%.
Over the past week, the price has changed by +2.25%, over one month by +5.72%, over three months by -5.39% and over the past year by +112.54%.
Is BPE a buy, sell or hold?
BPER Banca SpA has no consensus analysts rating.
What are the forecasts/targets for the BPE price?
| Analysts Target Price | - | - |
BPER Banca SpA (BPE) - Fundamental Data Overview
as of 07 April 2026
Market Cap USD = 25.65b (22.27b EUR * 1.152 EUR.USD)P/E Trailing = 10.4128
P/E Forward = 5.8275
P/S = 3.7509
P/B = 1.3444
P/EG = 0.6486
Revenue TTM = 6.89b EUR
EBIT TTM = 3.74b EUR
EBITDA TTM = 4.10b EUR
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = 2.76b EUR (from netDebt column, last quarter)
Enterprise Value = 10.59b EUR (22.27b + (null Debt) - CCE 11.68b)
Interest Coverage Ratio = 3.67 (Ebit TTM 3.74b / Interest Expense TTM 1.02b)
EV/FCF = unknown (FCF TTM 0.0)
FCF Yield = 0.0% (FCF TTM 0.0 / Enterprise Value 10.59b)
FCF Margin = 0.0% (FCF TTM 0.0 / Revenue TTM 6.89b)
Net Margin = 26.39% (Net Income TTM 1.82b / Revenue TTM 6.89b)
Gross Margin = unknown ((Revenue TTM 6.89b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.08 (Enterprise Value 10.59b / Total Assets 140.59b)
Interest Expense / Debt = unknown (Interest Expense 424.3m / Debt none)
Taxrate = 25.32% (117.3m / 463.3m)
NOPAT = 2.79b (EBIT 3.74b * (1 - 25.32%))
Current Ratio = unknown (Total Current Assets 11.68b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = 0.67 (Net Debt 2.76b / EBITDA 4.10b)
Debt / FCF = unknown (Net Debt 2.76b / FCF TTM 0.0)
Total Stockholder Equity = 13.94b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.29% (Net Income 1.82b / Total Assets 140.59b)
RoE = 13.05% (Net Income TTM 1.82b / Total Stockholder Equity 13.94b)
RoCE = unknown (EBIT 3.74b / Capital Employed )
RoIC = 8.33% (NOPAT 2.79b / Invested Capital 33.54b)
WACC = 8.0% (E(22.27b)/V(22.27b) * Re(8.0%) + (debt-free company))
Discount Rate = 8.0% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.15%
[DCF] Fair Price = unknown (Cash Flow 0.0)
EPS Correlation: 23.17 | EPS CAGR: 103.0% | SUE: 0.09 | # QB: 0
Revenue Correlation: 88.80 | Revenue CAGR: 19.98% | SUE: 3.81 | # QB: 4
EPS next Quarter (2026-06-30): EPS=0.31 | Chg7d=+0.310 | Chg30d=+0.310 | Revisions Net=+0 | Analysts=1
EPS current Year (2026-12-31): EPS=1.13 | Chg7d=-0.015 | Chg30d=-0.015 | Revisions Net=+0 | Growth EPS=-10.1% | Growth Revenue=+14.3%
EPS next Year (2027-12-31): EPS=1.24 | Chg7d=+0.007 | Chg30d=+0.007 | Revisions Net=+1 | Growth EPS=+9.3% | Growth Revenue=+3.1%
[Growth] Implied Growth Rate = -1.6% (Discount Rate 8.0% - Earnings Yield 9.6%)
[Growth] Growth Spread = +37.5% (Analyst 35.9% - Implied -1.6%)