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BPER Banca S.p.A. (IT:BPE)
:BPE
Italy Market
BPE
BPER Banca S.p.A.
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BPER Banca S.p.A. (BPE) Ratios

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BPER Banca S.p.A. Ratios

IT:BPE's free cash flow for Q2 2025 was €0.84. For the 2025 fiscal year, IT:BPE's free cash flow was decreased by € and operating cash flow was €0.39. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.08 0.08 0.09 0.10 5.97
Quick Ratio
 0.08 0.08 0.09 0.21 14.12
Cash Ratio
 0.07 0.07 0.09 0.10 5.91
Solvency Ratio
 0.01 0.01 0.01 0.01 0.01
Operating Cash Flow Ratio
 0.00 0.06 -0.03 -0.03 5.40
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 -0.53 3.18
Net Current Asset Value
€ -173.76B€ -173.76B€ -119.89B€ -122.48B€ -130.04B
Leverage Ratios
Debt-to-Assets Ratio
 0.19 0.13 0.14 0.08 0.19
Debt-to-Equity Ratio
 2.36 1.59 1.75 1.27 3.72
Debt-to-Capital Ratio
 0.70 0.61 0.64 0.56 0.79
Long-Term Debt-to-Capital Ratio
 0.61 0.61 0.64 0.66 0.77
Financial Leverage Ratio
 12.35 12.35 12.38 15.17 19.18
Debt Service Coverage Ratio
 0.12 1.54 1.10 0.23 0.39
Interest Coverage Ratio
 1.99 1.99 1.25 1.14 3.20
Debt to Market Cap
 1.69 1.16 2.29 5.70 11.56
Interest Debt Per Share
 20.62 14.10 15.20 9.48 21.25
Net Debt to EBITDA
 9.29 4.96 4.50 0.89 9.46
Profitability Margins
Gross Profit Margin
82.31%82.31%78.54%79.54%90.87%
EBIT Margin
29.94%29.94%26.94%23.35%29.24%
EBITDA Margin
32.69%32.69%31.72%27.56%34.67%
Operating Profit Margin
30.11%30.11%26.94%23.35%29.24%
Pretax Profit Margin
29.94%29.82%26.94%23.35%29.24%
Net Profit Margin
20.11%20.11%18.40%20.57%30.52%
Continuous Operations Profit Margin
20.63%20.51%18.87%21.01%31.04%
Net Income Per EBT
67.15%67.42%68.29%88.10%104.39%
EBT Per EBIT
99.45%99.06%100.00%100.00%100.00%
Return on Assets (ROA)
0.89%0.89%1.00%1.07%0.95%
Return on Equity (ROE)
13.05%10.98%12.35%16.22%18.25%
Return on Capital Employed (ROCE)
6.30%6.30%4.77%4.40%0.93%
Return on Invested Capital (ROIC)
3.15%4.27%3.34%3.69%2.68%
Return on Tangible Assets
0.90%0.90%1.00%1.07%0.95%
Earnings Yield
7.46%7.98%16.18%35.44%53.45%
Efficiency Ratios
Receivables Turnover
 37.27 37.27 52.43 48.87 33.16
Payables Turnover
 0.00 0.00 1.04 0.84 0.18
Inventory Turnover
 0.00 0.00 0.00 -0.13 -0.02
Fixed Asset Turnover
 2.89 2.89 3.69 3.76 1.86
Asset Turnover
 0.04 0.04 0.05 0.05 0.03
Working Capital Turnover Ratio
 -0.07 -0.08 -0.08 -0.18 0.29
Cash Conversion Cycle
 9.79 9.79 -342.74 -3.28K -18.25K
Days of Sales Outstanding
 9.79 9.79 6.96 7.47 11.01
Days of Inventory Outstanding
 0.00 0.00 0.00 -2.85K -16.27K
Days of Payables Outstanding
 0.00 0.00 349.70 437.05 2.00K
Operating Cycle
 9.79 9.79 6.96 -2.84K -16.26K
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 4.59 -1.76 -2.42 9.06
Free Cash Flow Per Share
 0.00 4.54 -1.86 -2.53 8.82
CapEx Per Share
 0.00 0.05 0.10 0.11 0.24
Free Cash Flow to Operating Cash Flow
 0.00 0.99 1.05 1.05 0.97
Dividend Paid and CapEx Coverage Ratio
 0.00 7.73 -4.28 -10.15 30.04
Capital Expenditure Coverage Ratio
 0.00 101.01 -18.39 -21.95 38.24
Operating Cash Flow Coverage Ratio
 0.00 0.34 -0.13 -0.29 0.43
Operating Cash Flow to Sales Ratio
 0.00 1.00 -0.33 -0.46 2.69
Free Cash Flow Yield
0.00%39.17%-30.34%-83.38%459.61%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 12.93 12.53 6.18 2.82 1.87
Price-to-Sales (P/S) Ratio
 2.76 2.52 1.14 0.58 0.57
Price-to-Book (P/B) Ratio
 1.42 1.38 0.76 0.46 0.34
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 2.55 -3.30 -1.20 0.22
Price-to-Operating Cash Flow Ratio
 0.00 2.53 -3.47 -1.25 0.21
Price-to-Earnings Growth (PEG) Ratio
 1.28 -2.07 -0.83 0.73 0.01
Price-to-Fair Value
 1.42 1.38 0.76 0.46 0.34
Enterprise Value Multiple
 17.72 12.67 8.08 3.00 11.11
Enterprise Value
 53.33B 37.44B 19.55B 6.10B 18.28B
EV to EBITDA
 18.04 12.67 8.08 3.00 11.11
EV to Sales
 5.90 4.14 2.56 0.83 3.85
EV to Free Cash Flow
 0.00 4.19 -7.43 -1.71 1.47
EV to Operating Cash Flow
 0.00 4.15 -7.83 -1.79 1.43
Tangible Book Value Per Share
 8.14 8.14 7.67 6.30 5.35
Shareholders’ Equity Per Share
 8.43 8.43 8.03 6.62 5.62
Tax and Other Ratios
Effective Tax Rate
 0.31 0.31 0.30 0.10 -0.06
Revenue Per Share
 4.60 4.60 5.39 5.22 3.36
Net Income Per Share
 0.93 0.93 0.99 1.07 1.03
Tax Burden
 0.67 0.67 0.68 0.88 1.04
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.13 0.13 0.10 0.11 0.19
Stock-Based Compensation to Revenue
 <0.01 0.00 0.00 <0.01 <0.01
Income Quality
 0.00 4.96 -1.78 -2.25 8.83
Currency in EUR