BPE Stock Analysis: BPER Banca | MI
Banks - Regional | MI, Italy | Market Cap: 29.294m EUR | 12M Return: 93.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 113M
EPS Trend: 59.5%
Qual. Beats: 0
Rev. Trend: 90.7%
Qual. Beats: 4
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.
BPER Banca SpA is an Italian regional bank headquartered in Modena, founded in 1867. It provides a full suite of retail and commercial banking products-including current and savings accounts, loans, mortgages, cards, insurance, and digital banking services-to individuals, businesses, and professionals, primarily in Italy with some international operations.
The company also offers corporate banking services such as financing, leasing, trade-related (import/export) services, and liquidity management, alongside a wealth management division covering portfolio management, financial advisory, insurance investment products, and funds/SICAVs. As a regional bank in the GICS Financials sub-industry, BPER operates with a geographically concentrated business model that pairs traditional branch-based retail banking with growing digital channels and fee-based wealth management income.
- ECB rate cuts compress net interest margins across lending book
- Branch acquisitions and Carige integration boost loan growth targets
- Italian BTP spread widening pressures sovereign bond portfolio valuations
| Net Income: 1.82b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 3.40 > 1.0 |
| NWC/Revenue: 161.4% < 20% (prev 127.9%; Δ 33.52% < -1%) |
| CFO/TA 0.02 > 3% & CFO 3.12b > Net Income 1.82b |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: 6.40 > 1.5 & < 3 |
| 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: 3.99% > 50% (prev 4.13%; Δ -0.14% > 0%) |
| Interest Coverage Ratio: 1.99 > 6 (EBIT TTM 2.72b / Interest Expense TTM 1.37b) |
| A: 0.05 (Total Current Assets 13.2b - Total Current Liabilities 2.06b) / Total Assets 205b |
| B: 0.01 (Retained Earnings 1.82b / Total Assets 205b) |
| C: 0.02 (EBIT TTM 2.72b / Avg Total Assets 173b) |
| D: 0.09 (Book Value of Equity 16.6b / Total Liabilities 187b) |
| Altman-Z'' = 0.58 = B |
As of July 08, 2026, the stock is trading at EUR 13.98 with a total of 9,211,576 shares traded. Over the past week, the price has changed by +1.79%, over one month by +13.92%, over three months by +28.66% and over the past year by +93.40%.
Current recommended Stop Loss: 13.50 (which is 3.4% or 1.7 ATR below the current price).
BPER Banca has no consensus analysts rating.
P/E Trailing = 13.5173
P/E Forward = 5.8275
P/S = 4.675
P/B = 1.7066
P/EG = 0.6486
Revenue TTM = 6.89b EUR
EBIT TTM = 2.72b EUR
EBITDA TTM = 3.08b EUR
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 16.1b EUR (29.3b + (null Debt) - CCE 13.2b)
Interest Coverage Ratio = 1.99 (Ebit TTM 2.72b / Interest Expense TTM 1.37b)
EV/FCF = 5.74x (Enterprise Value 16.1b / FCF TTM 2.81b)
FCF Yield = 17.43% (FCF TTM 2.81b / Enterprise Value 16.1b)
FCF Margin = 40.78% (FCF TTM 2.81b / 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 16.1b / Total Assets 205b)
Interest Expense / Debt = unknown (Interest Expense 1.37b / Debt none)
Taxrate = 30.94% (842.4m / 2.72b)
NOPAT = 1.88b (EBIT 2.72b * (1 - 30.94%))
Current Ratio = 6.40 (Total Current Assets 13.2b / Total Current Liabilities 2.06b)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 3.08b)
Debt / FCF = unknown (Net Debt none / FCF TTM 2.81b)
Total Stockholder Equity = 13.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.05% (Net Income 1.82b / Total Assets 205b)
RoE = 13.05% (Net Income TTM 1.82b / Total Stockholder Equity 13.9b)
RoCE = 1.34% (EBIT 2.72b / Capital Employed (Total Assets 205b - Current Liab 2.06b))
RoIC = 1.44% (EBIT 2.72b / (Assets 205b - Curr.Liab 2.06b - Cash 13.2b))
WACC = 7.77% (E(29.3b)/V(29.3b) * Re(7.77%) + (debt-free company))
Discount Rate = 7.77% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 40.45 | Cagr: 0.13%
[DCF] Terminal Value 75.44% ; FCFF base≈2.81b ; Y1≈2.82b ; Y5≈2.99b
[DCF] Fair Price = 22.31 (EV 46.5b - Net Debt 0.0 = Equity 46.5b / Shares 2.08b; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 59.54 | EPS CAGR: 17.51% | SUE: -0.08 | # QB: 0
Revenue Correlation: 90.74 | Revenue CAGR: 10.76% | SUE: 3.56 | # QB: 4
EPS current Quarter (2026-06-30): EPS=0.30 | Chg30d=+0.00% | Revisions=-25% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.28 | Chg30d=+0.00% | Revisions=+25% | Analysts=1
EPS current Year (2026-12-31): EPS=1.15 | Chg30d=+0.70% | Revisions=+8% | GrowthEPS=-8.9% | GrowthRev=+14.7%
EPS next Year (2027-12-31): EPS=1.28 | Chg30d=+1.31% | Revisions=+42% | GrowthEPS=+12.0% | GrowthRev=+3.9%
[Analyst] Revisions Ratio: +26% (up=13, down=7)