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BPER Banca S.p.A.
(BPE)
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Rating:70Outperform
Price Target:
€16.50
▲(18.62% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by solid recent financial performance (strong 2025 revenue growth and profitability) but discounted for balance sheet and cash flow variability. Technicals support the uptrend, though overbought momentum signals add near-term risk. Valuation is reasonable with a moderate P/E and a supportive dividend yield.
Positive Factors
Revenue growth momentum
Sustained 2025 revenue acceleration indicates stronger loan origination, fee income and trading gains versus prior years. Durable top-line expansion broadens the earnings base, aids internal capital generation and supports strategic reinvestment even if macro conditions fluctuate.
Negative Factors
Multi-year cash flow volatility
Large swings in operating and free cash flow across years reduce predictability of distributable cash, complicate capital planning and increase reliance on capital markets when cash is weak. This weakens confidence in sustained shareholder returns and reinvestment.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue growth momentum
Sustained 2025 revenue acceleration indicates stronger loan origination, fee income and trading gains versus prior years. Durable top-line expansion broadens the earnings base, aids internal capital generation and supports strategic reinvestment even if macro conditions fluctuate.
Read all positive factors
BPER Banca S.p.A. (BPE) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€29.34B
Dividend Yield4.7%
Average Volume (3M)11.27M
Price to Earnings (P/E)13.5
Beta (1Y)1.39
Revenue Growth10.56%
EPS Growth10.67%
CountryIT
Employees22,964
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.04
Shares Outstanding2,086,184,600
10 Day Avg. Volume12,056,490
30 Day Avg. Volume11,270,287
Financial Highlights & Ratios
PEG Ratio-2.06
Price to Book (P/B)1.38
Price to Sales (P/S)2.52
P/FCF Ratio2.55
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€13.93Price Target Upside0.17% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)1.15
Revenue Forecast (FY)€7.60B
BPER Banca S.p.A. Business Overview & Revenue Model
Company Description
BPER Banca S.p.A. is a prominent financial institution delivering a comprehensive array of banking services and products to individual clients, businesses, and professionals, operating both domestically within Italy and internationally. The bank o...
How the Company Makes Money
BPER Banca generates earnings primarily through a diversified banking revenue model. A core source is net interest income: the bank collects funds (e.g., customer deposits and other funding sources) and lends them to customers (mortgages, consumer...
BPER Banca S.p.A. Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
63
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 8.88B | 9.04B | 7.63B | 7.39B | 4.75B | 3.96B |
| Gross Profit | 7.51B | 7.44B | 5.99B | 5.88B | 4.31B | 3.70B |
| EBITDA | 3.03B | 2.96B | 2.42B | 2.04B | 1.65B | 1.04B |
| Net Income | 1.89B | 1.82B | 1.40B | 1.52B | 1.45B | 525.12M |
Balance Sheet | ||||||
| Total Assets | 206.88B | 204.65B | 140.59B | 142.13B | 152.30B | 136.35B |
| Cash, Cash Equivalents and Short-Term Investments | 11.27B | 12.70B | 8.99B | 10.09B | 15.43B | 21.77B |
| Total Debt | 29.95B | 26.33B | 19.87B | 25.18B | 10.02B | 7.33B |
| Total Liabilities | 190.57B | 187.05B | 129.03B | 132.56B | 144.18B | 129.49B |
| Stockholders Equity | 15.23B | 16.57B | 11.35B | 9.37B | 7.94B | 6.70B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 8.93B | -2.63B | -3.58B | 12.46B | 1.02B |
| Operating Cash Flow | 0.00 | 9.02B | -2.50B | -3.42B | 12.79B | 1.26B |
| Investing Cash Flow | 0.00 | 2.71B | -215.29M | -314.08M | -17.07M | -743.13M |
| Financing Cash Flow | 0.00 | -7.93B | 513.33M | -178.37M | -85.50M | -64.13M |
BPER Banca S.p.A. Technical Analysis
Positive
13.91
Price Trends
13.49
Positive
12.45
Positive
11.57
Positive
Market Momentum
0.31
Negative
68.28
Neutral
86.80
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 13.91 is below the 20-day moving average (MA) of 14.01, above the 50-day MA of 13.49, and above the 200-day MA of 11.57, indicating a bullish trend. The MACD of 0.31 indicates Negative momentum. The RSI at 68.28 is Neutral, neither overbought nor oversold. The STOCH value of 86.80 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | €115.46B | 11.68 | 15.77% | 5.84% | -15.86% | 7.97% | |
76 Outperform | €123.06B | 11.59 | 16.15% | 3.92% | 2.06% | 8.44% | |
71 Outperform | €23.84B | 7.89 | 18.53% | 6.38% | -10.25% | 8.52% | |
71 Outperform | €6.46B | 12.18 | 11.70% | 3.96% | -10.60% | -22.83% | |
70 Outperform | €29.34B | 13.53 | 12.80% | 4.75% | 10.56% | 10.67% | |
69 Neutral | €35.15B | 8.38 | 16.07% | 7.40% | 10.29% | -0.75% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IT:BPE
BPER Banca S.p.A.
14.72
6.56
80.33%
IT:UCG
UniCredit SpA
84.73
21.60
34.22%
IT:BMPS
Banca Monte dei Paschi di Siena SPA
11.88
4.63
63.97%
IT:BAMI
Banco BPM S.p.A.
17.18
6.74
64.59%
IT:CE
Credito Emiliano SPA Credem
20.68
7.89
61.66%
IT:ISP
Intesa Sanpaolo SpA
6.80
1.88
38.29%
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.