Banca Profilo SPA (IT:PRO)
:PRO
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Banca Profilo SPA
(PRO)
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Rating:47Neutral
Price Target:
€0.17
▼(-15.00% Downside)
Action:Reiterated
Date:05/12/26
The score is held back primarily by weaker financial performance signals, led by the sharp 2025 revenue drop, a large step-up in leverage, and negative operating/free cash flow. Technicals are mixed but somewhat supportive longer-term, while valuation is only modestly supported by the dividend because the provided P/E is not usable.
Positive Factors
Wealth management focus
A focused private-banking and wealth-management model targets affluent clients and institutional counterparties, supporting recurring fee income tied to AUM and advisory mandates. This client segmentation tends to generate steadier fee revenues and higher client stickiness over the medium term.
Negative Factors
Sharp revenue decline
A >50% revenue drop in 2025 signals material deterioration in top-line stability and raises questions about client flows, product mix, or one-off losses. Such volatility undermines predictability of fees and trading income and pressures sustained margin and profitability over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Wealth management focus
A focused private-banking and wealth-management model targets affluent clients and institutional counterparties, supporting recurring fee income tied to AUM and advisory mandates. This client segmentation tends to generate steadier fee revenues and higher client stickiness over the medium term.
Read all positive factors
Banca Profilo SPA (PRO) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€110.94M
Dividend Yield7.69%
Average Volume (3M)1.35M
Price to Earnings (P/E)65.2
Beta (1Y)0.57
Revenue Growth-32.01%
EPS Growth-6.82%
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 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. 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 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 | 133.43M | 63.81M | 143.70M | 119.43M | 75.56M | 71.68M |
| Gross Profit | 75.06M | 60.57M | 77.80M | 79.42M | 73.04M | 69.53M |
| EBITDA | 7.09M | 5.90M | 13.28M | 16.26M | 15.80M | 13.54M |
| Net Income | 4.75M | 10.00M | 9.29M | 12.12M | 11.13M | 11.71M |
Balance Sheet | ||||||
| Total Assets | 2.40B | 1.97B | 2.55B | 2.14B | 1.89B | 1.67B |
| Cash, Cash Equivalents and Short-Term Investments | 132.18M | 335.90M | 138.78M | 116.49M | 71.11M | 31.53M |
| Total Debt | 0.00 | 1.17B | 0.00 | 0.00 | 0.00 | 4.28M |
| Total Liabilities | 2.24B | 1.80B | 2.39B | 1.97B | 1.73B | 1.50B |
| Stockholders Equity | 157.20M | 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
Neutral
0.20
Price Trends
0.17
Positive
0.17
Positive
0.16
Positive
Market Momentum
>-0.01
Positive
45.59
Neutral
35.94
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 0.2 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 0.16, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 45.59 is Neutral, neither overbought nor oversold. The STOCH value of 35.94 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | €14.47B | 11.66 | 26.99% | 6.35% | -45.43% | 11.12% | |
73 Outperform | €5.14B | 8.88 | 13.87% | 6.23% | -10.60% | -22.83% | |
69 Neutral | €6.28B | 11.76 | 31.07% | 4.75% | 4.69% | 10.11% | |
69 Neutral | €12.75B | 10.31 | 40.02% | 3.35% | 0.32% | -0.89% | |
62 Neutral | €16.65B | ― | 11.91% | 6.61% | -23.69% | 32.49% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
47 Neutral | €110.94M | 65.22 | 7.01% | 7.69% | -32.01% | -6.82% |
* General Sector Average
IT:PRO
Banca Profilo SPA
0.17
<0.01
1.18%
IT:BGN
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55.20
5.34
10.70%
IT:CE
Credito Emiliano SPA Credem
15.14
3.57
30.81%
IT:FBK
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20.97
2.96
16.42%
IT:MB
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21.00
1.99
10.44%
IT:BMED
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19.79
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43.30%
Banca Profilo SPA Corporate Events
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...
Banca Profilo Approves 2025 Accounts and Sets Dividend Payment for April 2026
Apr 24, 2026
Banca Profilo’s ordinary shareholders’ meeting approved the 2025 financial statements and authorized the distribution of a dividend of €0.007 per share, to be paid on 29 April 2026 to shareholders of record as of 28 April 2026. T...
Banca Profilo Approves 2025 Results, Dividend and Reverse Stock Split
Apr 23, 2026
Banca Profilo’s shareholders approved the 2025 financial statements, showing consolidated net profit of €10 million, up 7.7% year-on-year, and a robust CET1 ratio of 26.5%, despite a sharp decline in customer assets and revenues. The m...
Banca Profilo to Present Results and 2026–2028 Plan at Financial Conference 2026
Apr 13, 2026
Banca Profilo will participate in the “Financial Conference 2026” organized by Intesa Sanpaolo IMI, its corporate broker, underscoring its active engagement with the financial community and investor base. Senior management, including t...
Banca Profilo’s Controlling Shareholder Files Proposals Ahead of April Meeting
Apr 10, 2026
Banca Profilo has announced that its controlling shareholder, Arepo BP S.p.A., has submitted individual proposals for resolutions and voting on the sixth, seventh and eighth items on the agenda of the upcoming Ordinary Shareholders’ Meeting ...
Banca Profilo Publishes Documentation for Extraordinary Shareholders’ Meeting
Apr 2, 2026
Banca Profilo has made available the documentation for the extraordinary section of its upcoming shareholders’ meeting, publishing it at its Milan registered office, via an authorized storage mechanism, and on its corporate website. The mate...
Banca Profilo Publishes 2025 Annual Report and Shareholders’ Meeting Documentation
Apr 1, 2026
Banca Profilo has made its Annual Financial Report as of 31 December 2025 available to the public, complying with the European Single Electronic Format and including independent auditors’ and statutory auditors’ reports, along with a s...
Banca Profilo Lifts 2025 Profit, Cuts Payout and Reshapes Governance in Transitional Year
Mar 24, 2026
Banca Profilo’s board approved the 2025 draft financial statements, confirming consolidated net profit of €10 million, up 7.7% year on year, and highlighting a very strong CET1 ratio of 26.5%. Despite a transitional year marked by orga...
Banca Profilo Reports Capital Ratios Well Above Supervisory Requirements
Mar 19, 2026
Banca Profilo has received Banca d’Italia’s final decision on its consolidated capital requirements following the latest Supervisory Review and Evaluation Process, setting minimum CET1, Tier 1 and Total Capital ratios at 8.90%, 11.10% ...
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.