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STOCKS

Banca Popolare di Sondrio S.C.p.A. (IT:BPSO)

:BPSO

BPSO

Banca Popolare di Sondrio S.C.p.A.

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Banca Popolare di Sondrio S.C.p.A. (BPSO) Ratios

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Banca Popolare di Sondrio S.C.p.A. Ratios

IT:BPSO's free cash flow for Q2 2025 was €1.00. For the 2025 fiscal year, IT:BPSO's free cash flow was decreased by € and operating cash flow was €0.52. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.07	0.11	40.75	0.20	378.34
Quick Ratio	0.07	0.11	40.75	0.20	794.56
Cash Ratio	0.07	0.10	40.75	0.20	376.09
Solvency Ratio	0.01	0.01	<0.01	<0.01	<0.01
Operating Cash Flow Ratio	0.00	-0.01	-20.67	0.04	16.33
Short-Term Operating Cash Flow Coverage	0.00	0.00	-0.38	0.00	0.69
Net Current Asset Value	€ -50.44B	€ -48.14B	€ -49.37B	€ -46.91B	€ -43.66B
Leverage Ratios
Debt-to-Assets Ratio	0.09	0.10	0.29	0.07	0.08
Debt-to-Equity Ratio	1.20	1.39	4.40	1.24	1.35
Debt-to-Capital Ratio	0.55	0.58	0.81	0.55	0.57
Long-Term Debt-to-Capital Ratio	0.55	0.58	0.74	0.55	0.80
Financial Leverage Ratio	12.77	13.62	15.15	17.08	16.82
Debt Service Coverage Ratio	2.19	0.64	0.08	2.06	0.54
Interest Coverage Ratio	2.81	0.82	0.75	2.31	3.31
Debt to Market Cap	0.75	1.58	6.26	2.46	8.19
Interest Debt Per Share	12.92	15.13	38.92	9.65	10.08
Net Debt to EBITDA	2.07	1.80	16.63	-7.64	-8.19
Profitability Margins
Gross Profit Margin	82.91%	63.48%	64.62%	88.34%	90.79%
EBIT Margin	48.04%	29.87%	26.70%	26.88%	30.50%
EBITDA Margin	52.48%	32.70%	29.72%	31.84%	34.97%
Operating Profit Margin	48.04%	29.87%	26.70%	26.88%	30.50%
Pretax Profit Margin	48.04%	29.87%	26.70%	26.88%	30.50%
Net Profit Margin	32.92%	20.43%	18.65%	19.09%	21.87%
Continuous Operations Profit Margin	32.92%	20.43%	18.65%	19.09%	22.39%
Net Income Per EBT	68.52%	68.39%	69.84%	71.02%	71.72%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.11%	1.02%	0.80%	0.43%	0.49%
Return on Equity (ROE)	14.64%	13.83%	12.11%	7.42%	8.21%
Return on Capital Employed (ROCE)	7.89%	4.91%	1.15%	1.76%	0.68%
Return on Invested Capital (ROIC)	5.41%	3.35%	2.98%	1.25%	0.50%
Return on Tangible Assets	1.11%	1.02%	0.80%	0.43%	0.49%
Earnings Yield	8.93%	15.71%	17.36%	14.78%	16.14%
Efficiency Ratios
Receivables Turnover	0.00	47.25	46.24	25.19	25.88
Payables Turnover	0.00	22.89	20.61	4.98	5.36
Inventory Turnover	0.00	0.00	0.00	0.00	-0.01
Fixed Asset Turnover	2.36	4.83	4.16	2.32	2.47
Asset Turnover	0.03	0.05	0.04	0.02	0.02
Working Capital Turnover Ratio	-0.05	-0.18	-0.19	-0.12	-0.14
Cash Conversion Cycle	0.00	-8.22	-9.82	-58.84	-28.38K
Days of Sales Outstanding	0.00	7.73	7.89	14.49	14.10
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	-28.33K
Days of Payables Outstanding	0.00	15.95	17.71	73.34	68.06
Operating Cycle	0.00	7.73	7.89	14.49	-28.32K
Cash Flow Ratios
Operating Cash Flow Per Share	0.00	-1.12	-5.09	3.51	0.77
Free Cash Flow Per Share	0.00	-1.40	-5.35	3.22	0.64
CapEx Per Share	0.00	0.27	0.27	0.29	0.13
Free Cash Flow to Operating Cash Flow	0.00	1.24	1.05	0.92	0.83
Dividend Paid and CapEx Coverage Ratio	0.00	-1.35	-9.33	7.16	4.07
Capital Expenditure Coverage Ratio	0.00	-4.10	-19.19	12.13	5.90
Operating Cash Flow Coverage Ratio	0.00	-0.09	-0.14	0.38	0.08
Operating Cash Flow to Sales Ratio	0.00	-0.18	-0.93	1.20	0.28
Free Cash Flow Yield	0.00%	-17.19%	-91.32%	85.24%	17.20%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.20	6.37	5.76	6.76	6.19
Price-to-Sales (P/S) Ratio	3.69	1.30	1.07	1.29	1.35
Price-to-Book (P/B) Ratio	1.59	0.88	0.70	0.50	0.51
Price-to-Free Cash Flow (P/FCF) Ratio	0.00	-5.82	-1.10	1.17	5.82
Price-to-Operating Cash Flow Ratio	0.00	-7.24	-1.15	1.08	4.83
Price-to-Earnings Growth (PEG) Ratio	-8.17	0.26	0.07	-1.01	0.04
Price-to-Fair Value	1.59	0.88	0.70	0.50	0.51
Enterprise Value Multiple	9.09	5.78	20.24	-3.58	-4.31
Enterprise Value	9.40B	5.31B	14.88B	-1.50B	-1.85B
EV to EBITDA	9.09	5.78	20.24	-3.58	-4.31
EV to Sales	4.77	1.89	6.02	-1.14	-1.51
EV to Free Cash Flow	0.00	-8.45	-6.13	-1.04	-6.47
EV to Operating Cash Flow	0.00	-10.51	-6.45	-0.95	-5.38
Tangible Book Value Per Share	10.09	9.16	8.32	7.45	7.44
Shareholders’ Equity Per Share	10.16	9.24	8.40	7.53	7.27
Tax and Other Ratios
Effective Tax Rate	0.31	0.32	0.30	0.29	0.27
Revenue Per Share	4.38	6.26	5.46	2.93	2.73
Net Income Per Share	1.44	1.28	1.02	0.56	0.60
Tax Burden	0.69	0.68	0.70	0.71	0.72
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	0.17	0.07	0.07	0.12	0.12
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	0.00	-0.88	-5.00	6.28	1.25

Currency in EUR