BPER Banca SpA
BPER Banca SpA Fundamental Analysis
BPER Banca SpA (BPXXY) shows strong financial fundamentals with a PE ratio of 12.86, profit margin of 20.14%, and ROE of 13.46%. The company generates $7.5B in annual revenue with strong year-over-year growth of 53.71%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 60.6/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze BPXXY's fundamental strength across five key dimensions:
Efficiency Score
WeakBPXXY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBPXXY trades at attractive valuation levels.
Growth Score
ModerateBPXXY shows steady but slowing expansion.
Financial Health Score
ModerateBPXXY shows balanced financial health with some risks.
Profitability Score
WeakBPXXY struggles to sustain strong margins.
Key Financial Metrics
Is BPXXY Expensive or Cheap?
P/E Ratio
BPXXY trades at 12.86 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BPXXY's PEG of -8.49 indicates potential undervaluation.
Price to Book
The market values BPER Banca SpA at 1.58 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -2.49 times EBITDA. This is generally considered low.
How Well Does BPXXY Make Money?
Net Profit Margin
For every $100 in sales, BPER Banca SpA keeps $20.14 as profit after all expenses.
Operating Margin
Core operations generate 27.39 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.46 in profit for every $100 of shareholder equity.
ROA
BPER Banca SpA generates $0.89 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
BPER Banca SpA generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
BPER Banca SpA generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
BPXXY converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.86
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-8.49
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.58
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.17
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.78
vs 25 benchmark
Current Ratio
Current assets to current liabilities
13.71
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.13
vs 25 benchmark
ROA
Return on assets percentage
0.009
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How BPXXY Stacks Against Its Sector Peers
| Metric | BPXXY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.86 | 18.73 | Better (Cheaper) |
| ROE | 13.46% | 847.00% | Weak |
| Net Margin | 20.14% | 2562.00% | Weak |
| Debt/Equity | 1.78 | 0.93 | Weak (High Leverage) |
| Current Ratio | 13.71 | 674.76 | Strong Liquidity |
| ROA | 0.89% | -21692.00% (disorted) | Weak |
BPXXY outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews BPER Banca SpA's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
58.21%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
91.23%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-134.41%
Industry Style: Value, Dividend, Cyclical
Declining