BAMI Stock Overview
Banco BPM S.p.A., together with its subsidiaries, provides banking and financial products and services to individual, business, and corporate customers in Italy.
Banco BPM Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||€3.11|
|52 Week High||€3.76|
|52 Week Low||€2.13|
|1 Month Change||1.24%|
|3 Month Change||-7.47%|
|1 Year Change||10.33%|
|3 Year Change||91.09%|
|5 Year Change||9.13%|
|Change since IPO||24.32%|
Recent News & Updates
|BAMI||IT Banks||IT Market|
Return vs Industry: BAMI exceeded the Italian Banks industry which returned -9.8% over the past year.
Return vs Market: BAMI exceeded the Italian Market which returned -5.5% over the past year.
|BAMI Average Weekly Movement||8.1%|
|Banks Industry Average Movement||6.4%|
|Market Average Movement||6.1%|
|10% most volatile stocks in IT Market||8.5%|
|10% least volatile stocks in IT Market||3.8%|
Stable Share Price: BAMI is more volatile than 75% of Italian stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: BAMI's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of Italian stocks.
About the Company
Banco BPM S.p.A., together with 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, Investment Banking, Strategic Partnerships, Leases, and Corporate Centre segments. It offers current accounts; home mortgages; personal loans; credit, debit, and prepaid cards; home, personal, assets, and auto and vehicle insurance; and saving and investment products, as well as online trading services.
Banco BPM Fundamentals Summary
|BAMI fundamental statistics|
Is BAMI overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BAMI income statement (TTM)|
|Cost of Revenue||€0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
Aug 04, 2022
|Earnings per share (EPS)||0.43|
|Net Profit Margin||18.90%|
How did BAMI perform over the long term?See historical performance and comparison
6.1%Current Dividend Yield
Is Banco BPM undervalued compared to its fair value and its price relative to the market?
Valuation Score 4/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: BAMI (€3.11) is trading above our estimate of fair value (€2.45)
Significantly Below Fair Value: BAMI is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: BAMI is good value based on its PE Ratio (7.2x) compared to the Italian Banks industry average (8.3x).
PE vs Market: BAMI is good value based on its PE Ratio (7.2x) compared to the Italian market (17.7x).
Price to Earnings Growth Ratio
PEG Ratio: BAMI is good value based on its PEG Ratio (0.5x)
Price to Book Ratio
PB vs Industry: BAMI is good value based on its PB Ratio (0.4x) compared to the IT Banks industry average (0.5x).
How is Banco BPM forecast to perform in the next 1 to 3 years based on estimates from 14 analysts?
Future Growth Score3/6
Future Growth Score 3/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BAMI's forecast earnings growth (13.5% per year) is above the savings rate (1.7%).
Earnings vs Market: BAMI's earnings (13.5% per year) are forecast to grow faster than the Italian market (9.5% per year).
High Growth Earnings: BAMI's earnings are forecast to grow, but not significantly.
Revenue vs Market: BAMI's revenue (2.8% per year) is forecast to grow faster than the Italian market (0.06% per year).
High Growth Revenue: BAMI's revenue (2.8% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BAMI's Return on Equity is forecast to be low in 3 years time (6%).
How has Banco BPM performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BAMI has high quality earnings.
Growing Profit Margin: BAMI became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: BAMI's earnings have declined by 21% per year over the past 5 years.
Accelerating Growth: BAMI has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: BAMI has become profitable in the last year, making it difficult to compare its past year earnings growth to the Banks industry (35.8%).
Return on Equity
High ROE: BAMI's Return on Equity (5%) is considered low.
How is Banco BPM's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score4/6
Financial Health Score 4/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BAMI's Assets to Equity ratio (15.9x) is moderate.
Allowance for Bad Loans: BAMI has a low allowance for bad loans (56%).
Low Risk Liabilities: 57% of BAMI's liabilities are made up of primarily low risk sources of funding.
Loan Level: BAMI has an appropriate level of Loans to Assets ratio (54%).
Low Risk Deposits: BAMI's Loans to Deposits ratio (101%) is appropriate.
Level of Bad Loans: BAMI has a high level of bad loans (5.1%).
What is Banco BPM current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BAMI's dividend (6.11%) is higher than the bottom 25% of dividend payers in the Italian market (1.62%).
High Dividend: BAMI's dividend (6.11%) is in the top 25% of dividend payers in the Italian market (4.79%)
Stability and Growth of Payments
Stable Dividend: Too early to tell whether BAMI's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if BAMI's dividend payments are increasing as they only just started paying a dividend.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (44.4%), BAMI's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BAMI's dividends in 3 years are forecast to be well covered by earnings (47.6% payout ratio).
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Giuseppe Castagna (62 yo)
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...
Experienced Management: BAMI's management team is considered experienced (4.3 years average tenure).
Experienced Board: BAMI's board of directors are considered experienced (5.3 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 S.p.A.'s employee growth, exchange listings and data sources
- Name: Banco BPM S.p.A.
- Ticker: BAMI
- Exchange: BIT
- Founded: NaN
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: €4.684b
- Shares outstanding: 1.51b
- Website: https://www.bancobpm.it
Number of Employees
- Banco BPM S.p.A.
- Piazza Nogara, 2
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/23 00:00|
|End of Day Share Price||2022/05/23 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.