Banca Popolare di Sondrio S.C.p.A. (IT:BPSO)
:BPSO
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Banca Popolare di Sondrio S.C.p.A.
(BPSO)
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Rating:72Outperform
Price Target:
€20.00
▲(17.72% Upside)
Action:ReiteratedDate:11/11/25
Banca Popolare di Sondrio's strong financial performance and attractive valuation are the primary drivers of its score. However, technical indicators suggest caution due to overbought conditions. The main risk lies in the negative cash flow, which needs addressing to sustain long-term growth.
Positive Factors
High profitability and margins
Sustained high gross, EBIT and net margins alongside a large reported revenue increase suggest the bank's core lending and fee operations are highly profitable. Durable margins support internal capital generation, bolster loss-absorption capacity and fund reinvestment without reliance on volatile market funding.
Negative Factors
Volatile/uncertain revenue trend
Conflicting revenue signals (a negative RevenueGrowth metric versus a large one-year increase noted elsewhere) point to top-line volatility or inconsistent reporting windows. Such variability undermines medium-term forecasting, provisioning and strategic planning for loan and fee growth.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability and margins
Sustained high gross, EBIT and net margins alongside a large reported revenue increase suggest the bank's core lending and fee operations are highly profitable. Durable margins support internal capital generation, bolster loss-absorption capacity and fund reinvestment without reliance on volatile market funding.
Read all positive factors
Banca Popolare di Sondrio S.C.p.A. (BPSO) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€7.15B
Dividend Yield4.87%
Average Volume (3M)853.34K
Price to Earnings (P/E)13.8
Beta (1Y)1.44
Revenue Growth-10.80%
EPS Growth20.43%
CountryIT
Employees3,720
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.30
Shares Outstanding453,385,800
10 Day Avg. Volume648,379
30 Day Avg. Volume853,344
Financial Highlights & Ratios
PEG Ratio0.26
Price to Book (P/B)0.88
Price to Sales (P/S)1.30
P/FCF Ratio-5.82
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.39
Revenue Forecast (FY)€1.71B
Banca Popolare di Sondrio S.C.p.A. Business Overview & Revenue Model
Company Description
Banca Popolare di Sondrio S.p.A., together with its subsidiaries, provides various banking products and services in Italy. The company offers current accounts, savings deposits, certificates of deposits, time deposit accounts, and bonds; and loans...
How the Company Makes Money
Banca Popolare di Sondrio generates revenue through various key streams, primarily from interest income earned on loans provided to customers. The bank offers personal loans, mortgages, and business financing, which yield interest payments that co...
Banca Popolare di Sondrio S.C.p.A. Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.99B | 2.81B | 2.47B | 1.32B | 1.23B | 987.63M |
| Gross Profit | 1.53B | 1.79B | 1.60B | 1.16B | 1.11B | 883.24M |
| EBITDA | 1.02B | 920.20M | 735.05M | 419.13M | 429.46M | 218.31M |
| Net Income | 647.64M | 574.94M | 461.16M | 251.32M | 268.63M | 106.60M |
Balance Sheet | ||||||
| Total Assets | 56.57B | 56.63B | 57.72B | 57.85B | 55.02B | 49.81B |
| Cash, Cash Equivalents and Short-Term Investments | 2.39B | 4.12B | 4.92B | 7.39B | 7.94B | 7.66B |
| Total Debt | 6.25B | 5.78B | 16.77B | 4.19B | 4.42B | 3.43B |
| Total Liabilities | 52.25B | 52.47B | 53.91B | 54.47B | 51.64B | 46.71B |
| Stockholders Equity | 4.33B | 4.16B | 3.81B | 3.39B | 3.27B | 3.00B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -629.23M | -2.43B | 1.45B | 286.12M | 3.22B |
| Operating Cash Flow | 0.00 | -505.88M | -2.31B | 1.58B | 344.51M | 3.26B |
| Investing Cash Flow | 0.00 | -41.48M | -71.18M | -198.45M | -43.32M | -27.01M |
| Financing Cash Flow | 0.00 | -252.06M | -126.92M | -89.94M | -26.42M | -14.00K |
Banca Popolare di Sondrio S.C.p.A. Technical Analysis
Neutral
16.99
Price Trends
16.85
Negative
16.25
Negative
14.41
Positive
Market Momentum
-0.33
Negative
46.16
Neutral
67.56
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:BPSO, the sentiment is Neutral. The current price of 16.99 is above the 20-day moving average (MA) of 15.96, above the 50-day MA of 16.85, and above the 200-day MA of 14.41, indicating a neutral trend. The MACD of -0.33 indicates Negative momentum. The RSI at 46.16 is Neutral, neither overbought nor oversold. The STOCH value of 67.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IT:BPSO.
Banca Popolare di Sondrio S.C.p.A. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | €21.69B | 12.53 | 13.48% | 6.09% | 5.23% | 3.54% | |
73 Outperform | €4.85B | 8.39 | 13.87% | 6.23% | -7.81% | 4.89% | |
72 Outperform | €7.15B | 13.84 | 14.64% | 4.87% | -10.80% | 20.43% | |
71 Outperform | €1.34B | 4.76 | 16.33% | 8.44% | -3.63% | -5.12% | |
66 Neutral | €18.00B | 9.48 | 18.92% | 8.25% | 2.23% | 72.08% | |
58 Neutral | €1.13B | 9.76 | 7.87% | 4.86% | -5.81% | -11.05% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IT:BPSO
Banca Popolare di Sondrio S.C.p.A.
15.64
5.07
48.02%
IT:IF
Banca Ifis SPA
21.84
1.52
7.50%
IT:BAMI
Banco BPM S.p.A.
11.68
2.98
34.29%
IT:BDB
Banco di Desio e Della Brianza SPA
8.47
0.70
9.05%
IT:BPE
BPER Banca S.p.A.
10.87
4.04
59.22%
IT:CE
Credito Emiliano SPA Credem
14.26
2.22
18.39%
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.