Banco BPM Past Earnings Performance

Past criteria checks 5/6

Banco BPM has been growing earnings at an average annual rate of 36.5%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 11% per year. Banco BPM's return on equity is 13.5%, and it has net margins of 40.3%.

Key information

36.5%

Earnings growth rate

35.7%

EPS growth rate

Banks Industry Growth	11.2%
Revenue growth rate	11.0%
Return on equity	13.5%
Net Margin	40.3%
Last Earnings Update	30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Banco BPM makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:BNCZ.F Revenue, expenses and earnings (EUR Millions)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	4,993	2,013	3,134
30 Jun 24	4,852	1,386	3,141
31 Mar 24	4,821	1,365	3,078
31 Dec 23	4,586	1,260	3,049
30 Sep 23	4,409	1,159	2,978
30 Jun 23	4,064	955	3,035
31 Mar 23	3,861	790	2,967
31 Dec 22	3,765	682	3,066
30 Sep 22	3,433	657	2,932
30 Jun 22	3,522	559	2,905
31 Mar 22	3,423	647	2,933
31 Dec 21	3,297	569	2,952
30 Sep 21	3,242	322	3,139
30 Jun 21	2,869	277	3,158
31 Mar 21	2,760	-31	3,117
31 Dec 20	2,587	21	3,094
30 Sep 20	3,076	358	2,537
30 Jun 20	3,108	299	2,901
31 Mar 20	3,727	793	2,603
31 Dec 19	3,695	797	2,937
30 Sep 19	2,531	102	2,968
30 Jun 19	3,058	190	2,672
31 Mar 19	2,491	-133	3,020
31 Dec 18	2,607	-60	2,776
30 Sep 18	3,076	-689	3,051
30 Jun 18	2,506	-918	3,155
31 Mar 18	2,565	-1,094	3,153
31 Dec 17	2,431	1,854	3,183
30 Sep 17	1,027	2,037	2,225
30 Jun 17	1,206	1,775	3,046
31 Mar 17	787	1,822	2,476
31 Dec 16	199	-1,728	2,619
30 Sep 16	1,117	-631	2,386
30 Jun 16	1,706	-248	2,450
31 Mar 16	1,889	-85	2,346
31 Dec 15	2,555	432	2,414
30 Sep 15	-148	-1,468	2,310
30 Jun 15	-352	-1,652	2,370
31 Mar 15	-175	-1,718	2,206
31 Dec 14	-487	-1,948	2,219
30 Sep 14	1,010	-869	2,359
30 Jun 14	1,246	-730	2,329
31 Mar 14	1,349	-687	2,383
31 Dec 13	1,456	-577	2,386

Quality Earnings: BNCZ.F has high quality earnings.

Growing Profit Margin: BNCZ.F's current net profit margins (40.3%) are higher than last year (26.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BNCZ.F's earnings have grown significantly by 36.5% per year over the past 5 years.

Accelerating Growth: BNCZ.F's earnings growth over the past year (73.7%) exceeds its 5-year average (36.5% per year).

Earnings vs Industry: BNCZ.F earnings growth over the past year (73.7%) exceeded the Banks industry -11.8%.

Return on Equity

High ROE: BNCZ.F's Return on Equity (13.5%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 01:22
End of Day Share Price	2024/12/11 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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 here.

Analysis Model and Snowflake

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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 .

Analyst Sources

Banco BPM S.p.A. is covered by 35 analysts. 13 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
Fabrizio Spagna	Axia Financial Research
Antonio Garcia-Gonzalez	Banco Santander
Paola Sabbione	Barclays