Banco BPM (BPM) Stock Overview

Provides banking and financial products and services to individual, business, and corporate customers in Italy. More details

BPM fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	1/6
Past Performance	2/6
Financial Health	4/6
Dividends	4/6

Rewards

Trading at 9.4% below our estimate of its fair value

Earnings are forecast to grow 1.98% per year

Risk Analysis

No risks detected for BPM from our risk checks.

BPM Community Fair Values

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Banco BPM S.p.A. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Banco BPM
Historical stock prices
Current Share Price	€12.70
52 Week High	€13.48
52 Week Low	€11.85
Beta	0.59
1 Month Change	-2.53%
3 Month Change	0.36%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	6.41%

Recent updates

Shareholder Returns

	BPM	DE Banks	DE Market
7D	4.7%	1.5%	0.8%
1Y	n/a	54.4%	11.3%

Return vs Industry: Insufficient data to determine how BPM performed against the German Banks industry.

Return vs Market: Insufficient data to determine how BPM performed against the German Market.

Price Volatility

Is BPM's price volatile compared to industry and market?
BPM volatility
BPM Average Weekly Movement	3.7%
Banks Industry Average Movement	3.2%
Market Average Movement	5.0%
10% most volatile stocks in DE Market	12.3%
10% least volatile stocks in DE Market	2.5%

Stable Share Price: BPM has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine BPM's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2017	19,210	Giuseppe Castagna	www.bancobpm.it

Banco BPM S.p.A. provides banking and financial products and services to individual, business, and corporate customers in Italy. The company operates through Commercial; Corporate and Investment Banking; Insurance; Strategic Partnerships; Finance; and Corporate Centre segments. It offers current account and digital services; safety deposit boxes; home, personal, property, multi-risk, and car and vehicle insurance; credit, debit, payment, and prepaid cards; T3 Trading, web, and T3 mobile platforms; home and surrogacy mortgagees; long term car rental; personal loans, including student and versatile loans; salary backed and pension loans; and mutual funds, insurance investment, saving, social security, and certificate products.

Banco BPM S.p.A. Fundamentals Summary

How do Banco BPM's earnings and revenue compare to its market cap?
BPM fundamental statistics
Market cap	€19.09b
Earnings (TTM)	€1.88b
Revenue (TTM)	€5.72b

10.1x

P/E Ratio

1.2x

P/B Ratio

Is BPM overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BPM income statement (TTM)
Revenue	€5.72b
Cost of Revenue	€0
Gross Profit	€5.72b
Other Expenses	€3.83b
Earnings	€1.88b

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	1.25
Gross Margin	100.00%
Net Profit Margin	32.96%
Debt/Equity Ratio	187.7%

How did BPM perform over the long term?

See historical performance and comparison

Dividends

9.4%

Current Dividend Yield

85%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/12/15 03:18
End of Day Share Price	2025/12/15 00:00
Earnings	2025/09/30
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Banco BPM S.p.A. is covered by 28 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Juan Lopez Cobo	Banco Santander
Paola Sabbione	Barclays
Marta Bastoni	Barclays

Banco BPM S.p.A.XTRA:BPM Stock Report