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Banca Profilo SPA (IT:PRO)
:PRO

Banca Profilo SPA (PRO) AI Stock Analysis

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IT

Banca Profilo SPA

(LSE:PRO)

Rating:66Neutral
Price Target:
Banca Profilo SPA's strong balance sheet with no debt and a high dividend yield are key strengths, providing financial stability and income opportunities. However, operational inefficiencies and declining cash flow pose challenges, affecting overall profitability. Technical indicators suggest limited upward momentum, with valuation metrics showing the stock is fairly valued.

Banca Profilo SPA (PRO) vs. iShares MSCI Italy ETF (EWI)

Banca Profilo SPA Business Overview & Revenue Model

Company DescriptionBanca Profilo S.p.A. provides various banking and financial services to private and institutional clients in Italy and internationally. It offers investment planning services; wealth planning, insurance, and foreign solutions; financing services; and trust services, including asset consolidation services. The company also provides investment management services, such as tailor made asset management and portfolio advisory services; and investment banking services comprising corporate finance and capital market advisory services. In addition, it offers trading in stocks and bonds, and analyzing derivative instruments and structured securities; collateralized funding solutions for electronic repurchase agreements; management of real estate portfolios; analysis and research services; and mobile banking services, as well as operates reserved investment clubs. The company was founded in 1988 and is based in Milan, Italy. Banca Profilo S.p.A. is a subsidiary of Arepo BP S.p.A.
How the Company Makes MoneyBanca Profilo S.p.A. generates revenue mainly through its wealth management and private banking services. The company earns income from management fees charged on assets under management, advisory fees for investment services, and commissions from brokerage services. Additionally, Banca Profilo may earn interest income from loans provided to clients, as well as fees from other financial services such as estate planning and fiduciary services. Strategic partnerships with other financial institutions and service providers can also contribute to its revenue streams.

Banca Profilo SPA Financial Statement Overview

Summary
Banca Profilo SPA exhibits a stable balance sheet with no debt and a solid equity base, contributing to overall financial stability. However, income statement metrics reveal operational inefficiencies and inconsistent revenue growth, affecting profitability. Cash flow trends show potential liquidity issues with declining operating cash flow, although free cash flow remains positive, supporting short-term financial health.
Income Statement
60
Neutral
The company's revenue has shown inconsistency, with a significant decrease from 2023 to 2024. The gross profit margin remains strong, but the negative EBIT margin in 2024 is concerning, indicating operational inefficiencies. The net income saw a decline, reflecting challenges in maintaining profitability.
Balance Sheet
75
Positive
The company maintains a strong equity position with no total debt in 2024, reflecting financial stability. The equity ratio is healthy, indicating a robust capital structure. However, the return on equity has decreased, suggesting less efficient use of equity capital in generating profits.
Cash Flow
65
Positive
Operating cash flow has declined from previous years, impacting free cash flow growth. The free cash flow remains positive, which is a positive sign for liquidity. However, the operating cash flow to net income ratio indicates challenges in converting income into cash flow efficiently.
Breakdown
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
77.80M124.12M74.58M70.71M62.02M
Gross Profit
77.80M124.12M74.58M70.71M62.02M
EBIT
16.40M17.14M18.32M15.70M14.68M
EBITDA
13.48M-883.00K-823.00K15.88M15.91M
Net Income Common Stockholders
9.29M12.12M11.13M8.89M8.71M
Balance SheetCash, Cash Equivalents and Short-Term Investments
128.58M116.49M71.11M31.54M88.66M
Total Assets
2.55B2.14B1.89B1.67B1.85B
Total Debt
0.00928.43M848.48M4.28M4.55M
Net Debt
-138.78M-116.49M777.37M-27.26M-84.11M
Total Liabilities
2.39B1.97B1.73B1.50B1.65B
Stockholders Equity
161.06M165.93M160.55M163.85M176.47M
Cash FlowFree Cash Flow
31.06M51.86M48.93M-28.20M24.64M
Operating Cash Flow
34.64M54.93M52.32M-25.87M26.81M
Investing Cash Flow
-3.58M-1.77M-3.39M-5.37M-2.18M
Financing Cash Flow
-10.23M-9.23M-9.84M-25.73M-2.44M

Banca Profilo SPA Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price0.18
Price Trends
50DMA
0.17
Positive
100DMA
0.17
Positive
200DMA
0.17
Positive
Market Momentum
MACD
<0.01
Positive
RSI
52.67
Neutral
STOCH
37.30
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:PRO, the sentiment is Neutral. The current price of 0.18 is above the 20-day moving average (MA) of 0.18, above the 50-day MA of 0.17, and above the 200-day MA of 0.17, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 52.67 is Neutral, neither overbought nor oversold. The STOCH value of 37.30 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IT:PRO.

Banca Profilo SPA Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
ITPRO
66
Neutral
€115.45M13.375.24%7.19%5.80%-23.91%
64
Neutral
$12.87B9.817.76%16985.65%12.28%-7.83%
€1.20B7.529.47%9.46%
€998.32M8.108.39%6.10%
€4.23B6.1517.03%6.09%
€430.36M6.536.61%
DE53D
€311.36M4.84-7.32%6.92%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IT:PRO
Banca Profilo SPA
0.18
-0.02
-10.71%
GB:0NBX
Banca Ifis SPA
23.14
4.97
27.35%
GB:0O5V
Banco di Desio e Della Brianza SPA
7.48
2.53
51.11%
GB:0K93
Credito Emiliano SPA Credem
12.44
3.76
43.32%
DE:1DB0
doValue S.p.A
2.22
-1.55
-41.11%
DE:53D
illimity Bank SpA
3.62
-1.20
-24.90%

Banca Profilo SPA Corporate Events

Banca Profilo Announces New Board of Directors List
Apr 29, 2025

Banca Profilo has announced the publication of the list for the renewal of its Board of Directors, to be submitted at the upcoming Shareholders’ Meeting. The list, submitted by major shareholder Arepo BP S.p.A., emphasizes governance evolution with a focus on stability, independence, and gender balance, proposing a board structure without a Managing Director to enhance strategic supervision and operational efficiency.

Banca Profilo Reports 2024 Financial Results and Dividend Approval
Apr 15, 2025

Banca Profilo’s 2024 financial results show a consolidated net profit of 9.3 million euros, a decrease from the previous year, with a CET 1 ratio of 22.2%. Despite a decline in net revenues and operating results, the bank’s total assets increased by 19.1% to 2.5 billion euros. The company approved a dividend of 0.0128 euros per share, reflecting a 7.5% yield, to be distributed in May 2025. The meeting also addressed personnel remuneration and incentives, aligning with applicable provisions.

Banca Profilo S.p.A. Announces Virtual Ordinary Meeting for Board Appointments
Apr 10, 2025

Banca Profilo S.p.A. has announced an Ordinary Meeting scheduled for May 20, 2025, to discuss key governance matters, including the appointment and compensation of the Board of Directors. The meeting will be held exclusively via telecommunications, and shareholders can participate by proxy through Computershare S.p.A., the designated representative. This approach ensures shareholder engagement while adhering to legal requirements, potentially impacting the company’s governance structure and stakeholder relations.

Banca Profilo Announces Board Resignations and Upcoming Shareholders’ Meeting
Apr 1, 2025

Banca Profilo S.p.A. announced the resignation of the majority of its Board of Directors due to disagreements over governance, leading to the expiration of the entire board. An ordinary shareholders’ meeting is scheduled for May 20, 2025, to appoint a new board, with the current board continuing in a prorogation regime to support ongoing operations.

Banca Profilo Releases 2024 Annual Financial Report and Governance Documentation
Mar 25, 2025

Banca Profilo has made available its Annual Financial Report for the year ending December 31, 2024, along with various reports related to remuneration policy, corporate governance, and ownership structures. This publication is crucial for stakeholders as it provides transparency and insight into the company’s financial health and governance practices, potentially impacting investor confidence and market positioning.

Banca Profilo S.p.A. Announces 2025 Ordinary Meeting via Telecommunication
Mar 14, 2025

Banca Profilo S.p.A. has announced an upcoming Ordinary Meeting scheduled for April 15, 2025, to discuss key financial matters, including the approval of the 2024 financial statements and decisions on profit allocation. The meeting will be held exclusively via telecommunication, with Computershare S.p.A. appointed as the Designated Representative to facilitate shareholder participation. This announcement underscores the company’s commitment to transparent governance and stakeholder engagement, ensuring shareholder involvement in critical decision-making processes.

Banca Profilo Reports 2024 Financial Results Amid Market Challenges
Feb 6, 2025

Banca Profilo S.p.A. reported a consolidated net profit of 9.3 million euros for 2024, showing a 23.4% decline compared to the previous year, which had benefitted from favorable financial conditions. Despite a decrease in net revenues and operating results, the company experienced growth in total client assets, reaching 6.5 billion euros. The bank’s capital solidity was confirmed with a CET 1 ratio of 22.2%, one of the highest in the market, demonstrating resilience amidst increasing operational costs and investments in technological infrastructure.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.