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Banca Profilo SPA
(PRO)
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Rating:49Neutral
Price Target:
€1.50
▲(650.00% Upside)
Action:Reiterated
Date:07/28/26
The score is held back primarily by weakened financial performance in 2025—sharp revenue decline, a major increase in leverage, and negative operating/free cash flow. Technicals are mixed (below key short/medium-term averages), while valuation is a partial offset due to a moderate P/E and very high dividend yield.
Positive Factors
Wealth management fee model
A focused private-banking and wealth-management business generates recurring fee and commission income that scales with assets under management. That durable fee base and client-advisor stickiness support predictable revenue over the medium term and enable cross-selling of banking products.
Negative Factors
Sharp revenue decline
A roughly 52% revenue collapse materially erodes the recurring fee base and weakens visibility into future results. Such a large top-line shock can signal client outflows or trading losses, impairing growth, AUM-linked fees and the bank's ability to sustain margins over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Wealth management fee model
A focused private-banking and wealth-management business generates recurring fee and commission income that scales with assets under management. That durable fee base and client-advisor stickiness support predictable revenue over the medium term and enable cross-selling of banking products.
Read all positive factors
Banca Profilo SPA (PRO) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€109.43M
Dividend Yield0.43%
Average Volume (3M)1.35M
Price to Earnings (P/E)13.4
Beta (1Y)0.59
Revenue Growth-32.01%
EPS Growth-6.73%
CountryIT
Employees207
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding67,799,780
10 Day Avg. Volume1,064,767
30 Day Avg. Volume1,347,895
Financial Highlights & Ratios
PEG Ratio1.96
Price to Book (P/B)0.67
Price to Sales (P/S)1.76
P/FCF Ratio-4.59
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€0.35Price Target Upside75.00% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Banca Profilo SPA Business Overview & Revenue Model
Company Description
Banca Profilo S.p.A. offers a comprehensive suite of banking and financial solutions, catering to both individual and corporate clients across Italy and internationally. The firm's services encompass strategic investment planning, personalized wea...
How the Company Makes Money
Banca Profilo generally generates revenue through a mix of (1) net interest income, (2) fee and commission income tied to wealth management and investment services, and (3) trading and investment income from capital markets activity. Net interest ...
Banca Profilo SPA Financial Statement Overview
Summary
Income Statement
54
Neutral
Balance Sheet
41
Neutral
Cash Flow
32
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 42.89M | 63.81M | 143.70M | 119.43M | 75.56M | 71.68M |
| Gross Profit | 53.41M | 60.57M | 77.80M | 79.42M | 73.04M | 69.53M |
| EBITDA | 3.16M | 5.90M | 13.28M | 17.69M | 18.10M | 15.88M |
| Net Income | 8.16M | 10.00M | 9.29M | 12.12M | 11.13M | 11.71M |
Balance Sheet | ||||||
| Total Assets | 2.23B | 1.97B | 2.55B | 2.14B | 1.89B | 1.67B |
| Cash, Cash Equivalents and Short-Term Investments | 148.54M | 335.90M | 138.78M | 116.49M | 71.11M | 31.53M |
| Total Debt | 916.78M | 1.17B | 0.00 | 0.00 | 0.00 | 4.28M |
| Total Liabilities | 2.06B | 1.80B | 2.39B | 1.97B | 1.73B | 1.50B |
| Stockholders Equity | 165.70M | 166.47M | 161.06M | 165.93M | 160.55M | 163.85M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -24.44M | 31.06M | 54.58M | 48.93M | -28.20M |
| Operating Cash Flow | 0.00 | -24.22M | 34.64M | 54.93M | 52.32M | -25.87M |
| Investing Cash Flow | 0.00 | 502.86M | -3.58M | -1.77M | -3.39M | -5.37M |
| Financing Cash Flow | 0.00 | -511.11M | -10.23M | -9.23M | -9.84M | -25.73M |
Banca Profilo SPA Technical Analysis
Negative
0.20
Price Trends
1.66
Negative
1.65
Negative
1.63
Positive
Market Momentum
<0.01
Positive
48.39
Neutral
20.83
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:PRO, the sentiment is Negative. The current price of 0.2 is below the 20-day moving average (MA) of 1.67, below the 50-day MA of 1.66, and below the 200-day MA of 1.63, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 48.39 is Neutral, neither overbought nor oversold. The STOCH value of 20.83 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IT:PRO.
Banca Profilo SPA Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | €16.73B | 13.19 | 28.43% | 5.50% | -45.43% | 11.12% | |
73 Outperform | €7.41B | 16.06 | 31.60% | 4.37% | 271.45% | 374.55% | |
73 Outperform | €6.40B | 12.08 | 11.70% | 3.96% | -10.60% | -22.83% | |
65 Neutral | €14.43B | 22.25 | 26.08% | 3.33% | 0.32% | -0.89% | |
61 Neutral | €22.48B | 18.83 | 10.73% | 4.39% | -23.69% | 32.49% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
49 Neutral | €109.43M | 13.35 | 4.99% | 7.69% | -32.01% | -6.73% |
* General Sector Average
IT:PRO
Banca Profilo SPA
1.64
0.03
1.80%
IT:BGN
Banca Generali SpA
64.95
19.04
41.46%
IT:CE
Credito Emiliano SPA Credem
18.64
5.96
47.03%
IT:FBK
FinecoBank SpA
23.35
4.99
27.15%
IT:MB
Mediobanca Banca di Credito Finanziario S.p.A.
27.55
9.38
51.62%
IT:BMED
Banca Mediolanum SpA
22.34
8.01
55.89%
Banca Profilo SPA Corporate Events
Banca Profilo Completes 1-for-10 Share Consolidation Without Changing Capital
Jul 27, 2026
Banca Profilo S.p.A. announced it has completed a consolidation of its ordinary shares at a ratio of one new share for every ten existing shares, a move approved by shareholders earlier this year. To balance the transaction, six shares provided by...
Banca Profilo Publishes Disclosure on Major Related-Party Deal with Tinaba
Jul 24, 2026
Banca Profilo S.p.A. has published an information document concerning a significant related-party transaction involving a license agreement, service provision, and lease of a business unit with Tinaba S.p.A. This document, prepared in accordance w...
Banca Profilo Launches 1-for-10 Share Consolidation and Updates Statute
Jul 22, 2026
Banca Profilo S.p.A. will consolidate its 677,997,856 ordinary shares into 67,799,785 new ordinary shares on 27 July 2026, at a ratio of one new share for every ten existing shares, leaving the total share capital unchanged at €136,994,027.9...
Banca Profilo Publishes Minutes of 2026 Shareholders’ Meeting
May 22, 2026
Banca Profilo has announced that the minutes of its Ordinary and Extraordinary Shareholders’ Meeting, held on 23 April 2026, have been made publicly available. The documents can be consulted at the bank’s registered office, on its webs...
Banca Profilo Holds Firm Capital as Q1 Profit Dips in Strategic Overhaul
May 7, 2026
Banca Profilo reported first-quarter 2026 results broadly in line with its budget, posting consolidated net revenues of €12.2 million and net profit of €0.4 million in a year of strategic and organizational transition. While revenues f...
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.