BPE Stock Overview
BPER Banca SpA provides banking products and services for individuals, and businesses and professionals in Italy and internationally.
BPER Banca Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||€1.80|
|52 Week High||€2.22|
|52 Week Low||€1.25|
|1 Month Change||11.28%|
|3 Month Change||-10.85%|
|1 Year Change||-13.46%|
|3 Year Change||-47.69%|
|5 Year Change||-59.73%|
|Change since IPO||-60.24%|
Recent News & Updates
|BPE||IT Banks||IT Market|
Return vs Industry: BPE underperformed the Italian Banks industry which returned -9.8% over the past year.
Return vs Market: BPE underperformed the Italian Market which returned -5.5% over the past year.
|BPE Average Weekly Movement||7.9%|
|Banks Industry Average Movement||6.7%|
|Market Average Movement||6.3%|
|10% most volatile stocks in IT Market||8.6%|
|10% least volatile stocks in IT Market||3.9%|
Stable Share Price: BPE is more volatile than 75% of Italian stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: BPE's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of Italian stocks.
About the Company
BPER Banca SpA provides banking products and services for individuals, and businesses and professionals in Italy and internationally. The company operates through Retail, Private, Corporate, Large Corporate, Finance, Corporate Center, and Other Assets segments. It offers loans, mortgages, insurance and social security, accounts, and digital banking related services; cards; and investments and savings products and services.
BPER Banca Fundamentals Summary
|BPE fundamental statistics|
Is BPE overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BPE income statement (TTM)|
|Cost of Revenue||€117.71m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
Aug 04, 2022
|Earnings per share (EPS)||0.17|
|Net Profit Margin||8.00%|
How did BPE perform over the long term?See historical performance and comparison
3.3%Current Dividend Yield
Does BPE pay a reliable dividends?See BPE dividend history and benchmarks
|BPER Banca dividend dates|
|Ex Dividend Date||May 23 2022|
|Dividend Pay Date||May 25 2022|
|Days until Ex dividend||1 day|
|Days until Dividend pay date||1 day|
Does BPE pay a reliable dividends?See BPE dividend history and benchmarks
Is BPER Banca 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
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: BPE (€1.8) is trading below our estimate of fair value (€1.85)
Significantly Below Fair Value: BPE is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: BPE is poor value based on its PE Ratio (10.7x) compared to the Italian Banks industry average (8.3x).
PE vs Market: BPE is good value based on its PE Ratio (10.7x) compared to the Italian market (17.7x).
Price to Earnings Growth Ratio
PEG Ratio: BPE is good value based on its PEG Ratio (0.6x)
Price to Book Ratio
PB vs Industry: BPE is good value based on its PB Ratio (0.4x) compared to the IT Banks industry average (0.5x).
How is BPER Banca forecast to perform in the next 1 to 3 years based on estimates from 10 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: BPE's forecast earnings growth (18.4% per year) is above the savings rate (1.7%).
Earnings vs Market: BPE's earnings (18.4% per year) are forecast to grow faster than the Italian market (9.5% per year).
High Growth Earnings: BPE's earnings are forecast to grow, but not significantly.
Revenue vs Market: BPE's revenue (2.6% per year) is forecast to grow faster than the Italian market (0.06% per year).
High Growth Revenue: BPE's revenue (2.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BPE's Return on Equity is forecast to be low in 3 years time (6.4%).
How has BPER Banca performed over the past 5 years?
Past Performance Score1/6
Past Performance Score 1/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BPE has a large one-off loss of €313.2M impacting its March 31 2022 financial results.
Growing Profit Margin: BPE's current net profit margins (8%) are lower than last year (35.3%).
Past Earnings Growth Analysis
Earnings Trend: BPE has become profitable over the past 5 years, growing earnings by 22.3% per year.
Accelerating Growth: BPE's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BPE had negative earnings growth (-62.9%) over the past year, making it difficult to compare to the Banks industry average (35.8%).
Return on Equity
High ROE: BPE's Return on Equity (3.9%) is considered low.
How is BPER Banca's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score3/6
Financial Health Score 3/6
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: BPE's Assets to Equity ratio (19.7x) is moderate.
Allowance for Bad Loans: BPE has a low allowance for bad loans (66%).
Low Risk Liabilities: 73% of BPE's liabilities are made up of primarily low risk sources of funding.
Loan Level: BPE has an appropriate level of Loans to Assets ratio (89%).
Low Risk Deposits: BPE's Loans to Deposits ratio (128%) is high.
Level of Bad Loans: BPE has a high level of bad loans (3.3%).
What is BPER Banca current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BPE's dividend (3.33%) is higher than the bottom 25% of dividend payers in the Italian market (1.62%).
High Dividend: BPE's dividend (3.33%) is low compared to the top 25% of dividend payers in the Italian market (4.79%).
Stability and Growth of Payments
Stable Dividend: BPE has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: BPE has only been paying a dividend for 6 years, and since then payments have fallen.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (35.6%), BPE's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BPE's dividends in 3 years are forecast to be well covered by earnings (37% payout ratio).
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Piero Montani (67 yo)
Mr. Piero Luigi Montani serves as Chief Executive Officer of BPER Banca S.p.A. since April 21, 2021 and serves as its Director since May 2021. he serves as General manager of BPER Banca SpA since 2021. He...
Experienced Board: BPE's board of directors are not considered experienced ( 1.1 years average tenure), which suggests a new board.
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.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
BPER Banca SpA's employee growth, exchange listings and data sources
- Name: BPER Banca SpA
- Ticker: BPE
- Exchange: BIT
- Founded: 1867
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: €2.464b
- Shares outstanding: 1.41b
- Website: https://www.bper.it
Number of Employees
- BPER Banca SpA
- Via San Carlo 8/20
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.