Banca Profilo SPA (IT:PRO)
:PRO
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Banca Profilo SPA
(PRO)
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Rating:64Neutral
Price Target:
€0.19
▼(-4.00% Downside)
Action:DowngradedDate:10/16/25
Banca Profilo SPA's overall stock score is primarily driven by its strong balance sheet and attractive dividend yield, which provide financial stability and income potential. However, operational inefficiencies and inconsistent revenue growth present challenges. Technical indicators suggest limited momentum, contributing to a cautious outlook.
Positive Factors
Strong capital structure
Zero total debt and a healthy equity ratio provide durable financial flexibility: cushions against credit shocks, supports regulatory capital requirements for a bank, and allows management to fund strategic initiatives or absorb losses without relying on volatile external financing.
Negative Factors
Inconsistent revenue and recent decline
A material revenue drop and inconsistent top-line growth undermine long-term planning and investment. For a fee-driven bank, weaker revenues limit scale benefits, compress margins, and reduce the ability to finance platform improvements or retain talent without eroding profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong capital structure
Zero total debt and a healthy equity ratio provide durable financial flexibility: cushions against credit shocks, supports regulatory capital requirements for a bank, and allows management to fund strategic initiatives or absorb losses without relying on volatile external financing.
Read all positive factors
Banca Profilo SPA (PRO) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€121.67M
Dividend Yield7.69%
Average Volume (3M)1.35M
Price to Earnings (P/E)11.2
Beta (1Y)0.53
Revenue Growth-30.82%
EPS Growth7.09%
CountryIT
Employees207
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding677,997,800
10 Day Avg. Volume1,064,767
30 Day Avg. Volume1,347,895
Financial Highlights & Ratios
PEG Ratio-0.58
Price to Book (P/B)0.79
Price to Sales (P/S)0.89
P/FCF Ratio4.11
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. 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; ...
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 portf...
Banca Profilo SPA Financial Statement Overview
Summary
Income Statement
60
Neutral
Balance Sheet
75
Positive
Cash Flow
65
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 133.43M | 143.70M | 119.43M | 75.56M | 71.68M | 63.69M |
| Gross Profit | 75.06M | 77.80M | 79.42M | 73.04M | 69.53M | 62.03M |
| EBITDA | 7.09M | 13.28M | 16.26M | 15.80M | 13.54M | 13.65M |
| 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 | 138.78M | 116.49M | 71.11M | 31.53M | 88.66M |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 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
Positive
0.20
Price Trends
0.16
Positive
0.17
Positive
0.16
Positive
Market Momentum
<0.01
Negative
82.37
Negative
93.98
Negative
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 0.2 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 0.16, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 82.37 is Negative, neither overbought nor oversold. The STOCH value of 93.98 is Negative, 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | €13.74B | 11.61 | 26.99% | 6.35% | -12.38% | 10.36% | |
73 Outperform | €5.12B | 8.39 | 13.87% | 6.23% | -8.61% | 0.15% | |
69 Neutral | €6.35B | 14.62 | 31.07% | 4.75% | 2.86% | 3.37% | |
69 Neutral | €12.90B | 20.98 | 40.02% | 3.35% | 0.32% | -0.89% | |
64 Neutral | €121.67M | 11.22 | 7.01% | 7.69% | -30.82% | 7.09% | |
62 Neutral | €16.01B | 12.07 | 11.91% | 6.61% | -23.69% | 32.49% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IT:PRO
Banca Profilo SPA
0.19
0.02
14.11%
IT:BGN
Banca Generali SpA
55.75
5.19
10.27%
IT:CE
Credito Emiliano SPA Credem
15.06
3.51
30.33%
IT:FBK
FinecoBank SpA
21.08
3.73
21.48%
IT:MB
Mediobanca Banca di Credito Finanziario S.p.A.
19.85
3.24
19.53%
IT:BMED
Banca Mediolanum SpA
18.63
6.01
47.63%
Banca Profilo SPA Corporate Events
Banca Profilo Sets 2026 Calendar for Financial Reporting and Governance Events
Jan 30, 2026
Banca Profilo has published its 2026 corporate events calendar, outlining the key governance and financial reporting dates for the year. The bank has scheduled board meetings across February, March, May, July and November to approve preliminary 20...
Banca Profilo Responds to Bank of Italy Inspection with Governance Overhaul and Fund Exit Plan
Dec 30, 2025
Banca Profilo and its parent Arepo BP have reviewed the outcome of a broad, routine inspection by Banca d’Italia, which highlighted the need to reinforce internal controls, operating limits, remuneration practices and board reporting, but di...
Banca Profilo Strengthens Arepo Fiduciaria Governance with New Chairman and Board Member
Dec 23, 2025
Arepo Fiduciaria, the fiduciary company wholly owned by Banca Profilo, has appointed veteran Italian industrial and financial executive Claudio Calabi as Chairman of its Board of Directors, where he will work alongside CEO Massimo Longhi to suppor...
Banca Profilo Strengthens Governance with New Appointments
Dec 15, 2025
Banca Profilo S.p.A. held an Ordinary Meeting to appoint new members to its Board of Statutory Auditors and Board of Directors, enhancing its governance structure. The appointments, proposed by the parent company Arepo BP S.p.A., aim to strengthen...
Banca Profilo’s Shareholders’ Meeting Agenda Proposals Announced
Dec 1, 2025
Banca Profilo S.p.A.’s controlling shareholder, Arepo BP S.p.A., has submitted individual proposals for resolutions and voting on key agenda items for the upcoming Shareholders’ Meeting. These proposals are accessible to the public thr...
Banca Profilo Clarifies Auditor Succession in Reissued Report
Nov 26, 2025
Banca Profilo has reissued its Explanatory Report to clarify details regarding the succession of Auditors, enhancing transparency and communication with stakeholders. This move reflects the company’s commitment to maintaining clear governanc...
Banca Profilo Appoints New Independent Director to Strengthen Governance
Nov 24, 2025
Banca Profilo S.p.A. has appointed Dr. Rosy Alaia as an independent non-executive Director to restore the full composition of its Board following a recent resignation. This move ensures compliance with regulations requiring a majority of independe...
Banca Profilo S.p.A. Announces Virtual Ordinary Meeting for Board Appointments
Nov 14, 2025
Banca Profilo S.p.A. has announced an Ordinary Meeting scheduled for December 15, 2025, to discuss the integration of its Board of Statutory Auditors and the appointment of a new Board of Directors member. The meeting will be conducted exclusively...
Banca Profilo Reports Strong Profit Growth and Strategic Plan Update
Nov 7, 2025
Banca Profilo reported a consolidated net profit increase of 30.3% year-over-year for the first nine months of 2025, despite a 4.4% decline in net revenues. The bank has updated its Industrial Plan for 2026-2028, focusing on strategic growth in pr...
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.