Banca Profilo SPA (PRO) AI Stock Analysis

• Market Cap: €107.93M
• Dividend Yield: 7.64%
• Average Volume (3M): 1.28M
• Price to Earnings (P/E): 22.9
• Beta (1Y): 0.37
• Revenue Growth: -1.37%
• EPS Growth: -43.31%
• Country: IT
• Employees: 207
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): >-0.01
• Shares Outstanding: 677,997,800
• 10 Day Avg. Volume: 1,195,581
• 30 Day Avg. Volume: 1,284,777
• PEG Ratio: -0.58
• Price to Book (P/B): 0.79
• Price to Sales (P/S): 1.81
• P/FCF Ratio: 4.11
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 64 Neutral
• Price Target: €0.00 ▼(-100.00% Downside)

The overall stock score is primarily influenced by the company's strong balance sheet and attractive dividend yield, which provide financial stability and income potential. However, operational inefficiencies and inconsistent revenue growth weigh on the financial performance score. Technical indicators suggest a neutral market sentiment, neither strongly bullish nor bearish.

Banca Profilo SPA Business Overview & Revenue Model

Company Description

Banca 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 Money

Banca Profilo generates revenue through multiple streams, including fees from asset management services, commissions from securities trading, and interest income from lending activities. The bank charges management fees for overseeing client portfolios and performance fees based on investment outcomes. Additionally, Banca Profilo earns commissions on trades executed on behalf of clients and interest from loans provided to clients. The bank may also engage in strategic partnerships with asset management firms and financial advisors to expand its service offerings and client base, further contributing to its earnings.

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

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

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

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	99.57M	70.50M	72.70M	67.24M	63.57M	56.76M
Gross Profit	71.29M	77.80M	72.70M	73.04M	69.53M	56.76M
EBITDA	7.26M	13.37M	-883.00K	16.05M	15.88M	15.91M
Net Income	4.75M	9.29M	12.12M	11.13M	11.71M	8.71M
Balance Sheet
Total Assets	2.40B	2.55B	2.14B	1.89B	1.67B	1.85B
Cash, Cash Equivalents and Short-Term Investments	132.18M	128.58M	116.49M	71.11M	31.54M	88.66M
Total Debt	83.11M	1.38B	928.43M	848.48M	4.28M	4.55M
Total Liabilities	2.24B	2.39B	1.97B	1.73B	1.50B	1.65B
Stockholders Equity	157.20M	161.06M	165.93M	160.55M	163.85M	176.47M
Cash Flow
Free Cash Flow	0.00	31.06M	54.58M	48.93M	-28.20M	24.64M
Operating Cash Flow	0.00	34.64M	54.93M	52.32M	-25.87M	26.81M
Investing Cash Flow	0.00	-3.58M	-1.77M	-3.39M	-5.37M	-2.18M
Financing Cash Flow	0.00	-10.23M	-9.23M	-9.84M	-25.73M	-2.44M

Banca Profilo SPA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.17
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:PRO, the sentiment is Positive. The current price of 0.17 is above the 20-day moving average (MA) of 0.16, above the 50-day MA of 0.16, and above the 200-day MA of 0.17, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 52.96 is Neutral, neither overbought nor oversold. The STOCH value of 25.07 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IT:PRO.

Banca Profilo SPA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IF	69 Neutral	€1.35B	7.62	8.85%	9.26%	-3.63%	-5.12%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CE	67 Neutral	€4.58B	6.87	15.88%	7.06%	-3.34%	13.60%
PRO	64 Neutral	€107.93M	22.92	3.00%	7.64%	-1.37%	-43.31%
ILTY	59 Neutral	―	―	―	―	―	―
DOV	59 Neutral	€579.37M	7.82	-13.55%	―	15.53%	-35.02%
BDB	54 Neutral	€1.02B	8.55	8.29%	5.77%	-6.81%	-4.79%

Banca Profilo SPA Corporate Events

Banca Profilo Faces Profit Decline Amid Non-Recurring Costs

Banca Profilo S.p.A. reported a significant decline in its net profit for the first half of 2025, influenced by non-recurring costs and credit adjustments. Despite a drop in total customer deposits and net revenues, the bank maintained a strong CET 1 ratio, indicating capital robustness. The Board is actively working on strategic options to navigate these challenges, with expectations of no further extraordinary components affecting future profits.