Banco BPM Società per Azioni, through its subsidiaries, provides banking and financial products and services to individual, business, and corporate customers in Italy.
Undervalued with acceptable track record.
Share Price & News
How has Banco BPM Società per Azioni's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 0RLA's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: 0RLA matched the UK Banks industry which returned -38% over the past year.
Return vs Market: 0RLA underperformed the UK Market which returned -22.4% over the past year.
Price Volatility Vs. Market
How volatile is Banco BPM Società per Azioni's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Banco BPM Società per Azioni undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: 0RLA (€1.18) is trading below our estimate of fair value (€1.96)
Significantly Below Fair Value: 0RLA is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: 0RLA is good value based on its PE Ratio (2.3x) compared to the Banks industry average (4.7x).
PE vs Market: 0RLA is good value based on its PE Ratio (2.3x) compared to the UK market (12.8x).
Price to Earnings Growth Ratio
PEG Ratio: 0RLA's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: 0RLA is good value based on its PB Ratio (0.2x) compared to the GB Banks industry average (0.5x).
How is Banco BPM Società per Azioni forecast to perform in the next 1 to 3 years based on estimates from 11 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 0RLA's earnings are forecast to decline over the next 3 years (-12.1% per year).
Earnings vs Market: 0RLA's earnings are forecast to decline over the next 3 years (-12.1% per year).
High Growth Earnings: 0RLA's earnings are forecast to decline over the next 3 years.
Revenue vs Market: 0RLA's revenue (2.9% per year) is forecast to grow faster than the UK market (2.4% per year).
High Growth Revenue: 0RLA's revenue (2.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 0RLA's Return on Equity is forecast to be low in 3 years time (3.7%).
How has Banco BPM Società per Azioni performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 0RLA has high quality earnings.
Growing Profit Margin: 0RLA became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: 0RLA has become profitable over the past 5 years, growing earnings by 33.3% per year.
Accelerating Growth: 0RLA has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: 0RLA has become profitable in the last year, making it difficult to compare its past year earnings growth to the Banks industry (29.6%).
Return on Equity
High ROE: 0RLA's Return on Equity (6.6%) is considered low.
How is Banco BPM Società per Azioni's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: 0RLA has a low level of unsold assets or inventory.
Debt Coverage by Assets: 0RLA's debt is not covered by short term assets (assets are 0.4x debt).
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: 0RLA is profitable, therefore cash runway is not a concern.
Forecast Cash Runway: 0RLA is profitable, therefore cash runway is not a concern.
Financial Institutions Analysis
Asset Level: 0RLA's level of assets compared to its equity is moderate.
Allowance for Bad Loans: Insufficient data to determine if 0RLA has a sufficient allowance for bad loans.
Low Risk Liabilities: 0RLA's liabilities are made up of primarily low risk sources of funding.
Loan Level: 0RLA has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 0RLA has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: 0RLA has a high level of bad loans (8.91%)
What is Banco BPM Società per Azioni's current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate 0RLA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate 0RLA's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if 0RLA's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if 0RLA's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of 0RLA's dividend in 3 years as they are not forecast to pay a notable one for the UK market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Giuseppe Castagna (60yo)
Mr. Giuseppe Castagna serves as a Director of ALETTI & C. Banca di Investimento Mobiliare SpA since 2018. Mr. Castagna was Managing Director and General Manager of Banca Popolare di Milano S.c.ar.l from Ja ...
|Co-General Manager||no data||€879.18k||no data|
|CEO & Director||3.17yrs||no data||no data|
|Chief Financial Officer||1.17yrs||no data||no data|
|Head of Operations||no data||no data||no data|
|Head of Investments||2.17yrs||no data||no data|
|Head of Administration & Budget||no data||no data||no data|
|Head of Investor Relations||no data||no data||no data|
|Head of Legal & Regulatory Affairs||no data||no data||no data|
|Head of Communication||no data||no data||no data|
|Head of Human Resources||no data||no data||no data|
Experienced Management: 0RLA's management team is considered experienced (2.2 years average tenure).
|CEO & Director||3.17yrs||no data||no data|
|Chairman of the Board||3.17yrs||€469.20k||no data|
|Deputy Chairman||3.17yrs||€266.10k||no data|
|Deputy Vice-Chairman||no data||no data||no data|
|Deputy Chairman||3.17yrs||€267.30k||no data|
|Chairman of Board of Statutory Auditors||no data||no data||no data|
|Director||3.17yrs||no data||no data|
|Director||3.17yrs||no data||no data|
Experienced Board: 0RLA's board of directors are considered experienced (3.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Banco BPM Società per Azioni's company bio, employee growth, exchange listings and data sources
- Name: Banco BPM Società per Azioni
- Ticker: 0RLA
- Exchange: LSE
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: €1.814b
- Shares outstanding: 1.51b
- Website: https://www.bancobpm.it
Number of Employees
- Banco BPM Società per Azioni
- Piazza Nogara, 2
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|0RLA||LSE (London Stock Exchange)||Yes||Common Shares||GB||EUR||Jan 2017|
|BAMI||BIT (Borsa Italiana)||Yes||Common Shares||IT||EUR||Jan 2017|
|BPM||DB (Deutsche Boerse AG)||Yes||Common Shares||DE||EUR||Jan 2017|
|BAMIM||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Common Shares||GB||EUR||Jan 2017|
|BNCZ.F||OTCPK (Pink Sheets LLC)||Yes||Common Shares||US||USD||Jan 2017|
|BAMI||WBAG (Wiener Boerse AG)||Yes||Common Shares||AT||EUR||Jan 2017|
Banco BPM Società per Azioni, through its subsidiaries, provides banking and financial products and services to individual, business, and corporate customers in Italy. The company operates through Retail, Corporate, Institutional, Private, and Investment Banking segments. The Retail segment manages and markets banking and financial products and services, and loan brokering to private customers and small businesses. The Corporate segment manages and markets banking and financial products and services, and loan brokering to medium and large-companies. The Institutional segment manages and markets banking and financial products and services, and loan brokering to bodies and institutions, such as UCIT units, SICAVs, insurance companies, pension funds, and banking foundations. The Private segment manages and markets banking and financial products and services, and loan brokering to private customers with assets. The Investment Banking segment provides structuring of financial products, access to regulated markets, and the support and development of specialized financial services. As of December 31, 2018, it operated approximately 1,804 branches. The company was formerly known as Banco Popolare Societa Cooperativa Scarl and changed its name to Banco BPM Società per Azioni in January 2017. Banco BPM Società per Azioni is headquartered in Verona, Italy.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/03/31 22:48|
|End of Day Share Price||2020/03/31 00:00|
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 here.