BPER Banca S.p.A. (IT:BPE)
:BPE
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BPER Banca S.p.A.
(BPE)
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Rating:79Outperform
Price Target:
€14.00
▲(21.32% Upside)
Action:ReiteratedDate:11/11/25
BPER Banca S.p.A. receives a strong overall score driven by robust financial performance and attractive valuation metrics. The company's solid revenue growth and balance sheet improvements are significant strengths, although cash flow management needs attention. Technical analysis supports a positive outlook, with bullish momentum and favorable price trends. The absence of earnings call and corporate events data does not impact the score.
Positive Factors
Revenue Growth
Sustained revenue expansion over multiple years reflects durable growth in lending and fee businesses, signaling successful scale-up of core operations and market penetration. This supports long-term earnings stability and capacity to invest in digital and branch networks over the next 2-6 months.
Negative Factors
Weak Cash Generation
Persistent negative free cash flow signals a structural gap between reported earnings and actual cash conversion, limiting internal funding for growth, dividends, or provisions. Over months this may force greater reliance on wholesale funding or asset sales, raising funding risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained revenue expansion over multiple years reflects durable growth in lending and fee businesses, signaling successful scale-up of core operations and market penetration. This supports long-term earnings stability and capacity to invest in digital and branch networks over the next 2-6 months.
Read all positive factors
BPER Banca S.p.A. (BPE) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€24.11B
Dividend Yield6.09%
Average Volume (3M)11.27M
Price to Earnings (P/E)12.5
Beta (1Y)1.44
Revenue Growth5.23%
EPS Growth3.54%
CountryIT
Employees19,508
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.16
Shares Outstanding1,964,386,400
10 Day Avg. Volume12,056,490
30 Day Avg. Volume11,270,287
Financial Highlights & Ratios
PEG Ratio-0.83
Price to Book (P/B)0.76
Price to Sales (P/S)1.14
P/FCF Ratio-3.30
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€14.40Price Target Upside24.78% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.13
Revenue Forecast (FY)€7.53B
BPER Banca S.p.A. Business Overview & Revenue Model
Company Description
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 As...
How the Company Makes Money
BPER Banca generates revenue primarily through interest income from loans and advances provided to customers. This constitutes a significant portion of its earnings, as the bank earns interest on personal loans, mortgages, and business loans. Addi...
BPER Banca S.p.A. Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
75
Positive
Cash Flow
65
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 7.37B | 7.63B | 7.39B | 4.75B | 3.96B | 2.93B |
| Gross Profit | 6.01B | 5.99B | 5.88B | 4.31B | 3.70B | 2.74B |
| EBITDA | 2.73B | 2.42B | 2.04B | 1.65B | 1.04B | 381.23M |
| Net Income | 1.58B | 1.40B | 1.52B | 1.45B | 525.12M | 236.93M |
Balance Sheet | ||||||
| Total Assets | 144.53B | 140.59B | 142.13B | 152.30B | 136.35B | 93.06B |
| Cash, Cash Equivalents and Short-Term Investments | 8.60B | 8.99B | 10.09B | 14.00B | 21.77B | 9.35B |
| Total Debt | 20.63B | 19.87B | 25.18B | 10.02B | 7.33B | 7.19B |
| Total Liabilities | 132.89B | 129.03B | 132.56B | 144.18B | 129.49B | 86.73B |
| Stockholders Equity | 11.43B | 11.35B | 9.37B | 7.94B | 6.70B | 6.20B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -2.63B | -3.58B | 12.46B | 1.02B | -870.78M |
| Operating Cash Flow | 0.00 | -2.50B | -3.42B | 12.79B | 1.26B | -634.98M |
| Investing Cash Flow | 0.00 | -215.29M | -314.08M | -17.07M | -743.13M | -223.13M |
| Financing Cash Flow | 0.00 | 513.33M | -178.37M | -85.50M | -64.13M | 772.97M |
BPER Banca S.p.A. Technical Analysis
Positive
11.54
Price Trends
11.63
Positive
11.39
Positive
10.13
Positive
Market Momentum
0.14
Negative
64.92
Neutral
94.22
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:BPE, the sentiment is Positive. The current price of 11.54 is above the 20-day moving average (MA) of 11.20, below the 50-day MA of 11.63, and above the 200-day MA of 10.13, indicating a bullish trend. The MACD of 0.14 indicates Negative momentum. The RSI at 64.92 is Neutral, neither overbought nor oversold. The STOCH value of 94.22 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IT:BPE.
BPER Banca S.p.A. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | €24.11B | 12.53 | 13.48% | 6.09% | 5.23% | 3.54% | |
76 Outperform | €98.27B | 10.67 | 14.41% | 6.08% | -10.70% | 7.46% | |
73 Outperform | €5.31B | 8.39 | 13.87% | 6.23% | -7.81% | 4.89% | |
68 Neutral | €24.55B | 2.42 | 19.13% | 9.69% | -5.31% | -35.03% | |
66 Neutral | €19.16B | 5.75 | 18.92% | 8.25% | 2.23% | 72.08% | |
65 Neutral | €103.32B | 10.29 | 16.32% | 4.15% | 26.99% | 10.44% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IT:BPE
BPER Banca S.p.A.
12.28
6.39
108.60%
IT:UCG
UniCredit SpA
68.52
22.86
50.06%
IT:BMPS
Banca Monte dei Paschi di Siena SPA
8.08
2.30
39.67%
IT:BAMI
Banco BPM S.p.A.
12.68
4.52
55.41%
IT:CE
Credito Emiliano SPA Credem
15.64
5.14
48.94%
IT:ISP
Intesa Sanpaolo SpA
5.66
1.71
43.14%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.