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Banca Popolare di Sondrio S.p.A (BPSO.MI)
Key financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | €m | 883 | 1,115 | 1,163 | 1,598 | 1,787 | 1,688 | 1,688 |
| Operating profit | €m | 946 | 946 | |||||
| Net profit | €m | 107 | 269 | 251 | 461 | 575 | 648 | 648 |
| EPS reported | € | 1.44 | 1.44 | |||||
| Operating cashflow per share | € | 2.90 | 0.00 | |||||
| Capex per share | € | 0.07 | 0.00 | |||||
| FCF per share | € | 2.84 | 0.00 | |||||
| Free cash flow | €m | 1,276 | 0 | |||||
| Net debt | €m | 2,141 | 2,141 | |||||
| Book value equity | €m | 4,568 | 4,568 | |||||
| Book value per share | € | 10.16 | 10.16 | |||||
| Number of shares | m | 449.8 | 449.82 | |||||
| DPS (TTM paid) | € | 0.80 | 0.00 |
Financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 11.56 | 12.40 | |||||
| P/B LTM | x | 1.64 | 1.76 | |||||
| P/S LTM | x | 4.44 | 4.76 | |||||
| P/FCF LTM | x | 5.87 | 0.00 | |||||
| EV/EBITDA LTM | x | 10.10 | 9.85 | |||||
| EV/Sales LTM | x | 4.13 | 6.03 | |||||
| Earnings Yield LTM | % | 8.65% | 8.06% | |||||
| FCF Yield | % | 17.04% | 0.00% | |||||
| Quality | ||||||||
| ROE | % | 14.18% | 10.64% | |||||
| ROIC | % | 5.28% | 3.83% | |||||
| Operating margin | % | 40.55% | 40.83% | |||||
| Gross margin | % | 76.47% | 69.41% | |||||
| FCF/Sales | % | 54.72% | 0.00% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +12.50% | +12.50% | |||||
| Sales Growth YoY | % | -5.50% | -5.50% | |||||
| Net Income Growth YoY | % | +12.71% | +12.71% | |||||
| FCF Growth | % | - | -100.00% | |||||
| Operating Profit Growth | % | +12.49% | +12.49% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 4.81% | 0.00% | |||||
| Dividend Growth | % | - | -100.00% | |||||
| Payout Ratio | % | 55.63% | 55.60% | |||||
| FCF/Debt | x | 0.23 | 0.00 | |||||
| Net Debt/EBITDA | x | 2.25 | 2.80 | |||||
| EBIT/Net interest | x | 1.47 | 1.53 | |||||
| Net debt/market cap | % | 28.58% | 26.64% | |||||
| Net debt/Equity | x | 0.47 | 0.47 | |||||
| Gross debt/equity | x | 1.20 | 1.20 | |||||
Company overview
Banca Popolare di Sondrio S.p.A., operating with its affiliated entities, delivers a broad spectrum of banking and financial services across Italy. The institution's offerings encompass diverse deposit solutions like checking, savings, certificate of deposit, and fixed-term accounts, alongside various debt instruments such as bonds. It extends a range of credit facilities, including foreign currency, artisan, agricultural, personal, and mortgage financing, principally targeting individual consumers and small-to-medium-sized enterprises (SMEs). Furthermore, the bank provides sophisticated financial services such as repurchase agreements, securities lending, safekeeping and management of financial instruments, advisory services, personalized investment portfolio oversight, guarantees, as well as leasing and factoring solutions. Complementing these, it issues credit and debit cards, offers insurance products, and facilitates payment and collection processes. Uniquely, the company also engages in hotel management, participates in the issuance of sovereign and high-quality corporate debt, and oversees the management and upkeep of its leased properties. Founded in 1871 and headquartered in Sondrio, Italy, the bank maintained a network of 350 branch locations as of December 31, 2021.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Banca Popolare di Sondrio S.p.A (BPSO.MI)
Banca Popolare di Sondrio S.p.A., operating with its affiliated entities, delivers a broad spectrum of banking and financial services across Italy. The institution's offerings encompass diverse deposit solutions like checking, savings, certificate of deposit, and fixed-term accounts, alongside various debt instruments such as bonds. It extends a range of credit facilities, including foreign currency, artisan, agricultural, personal, and mortgage financing, principally targeting individual consumers and small-to-medium-sized enterprises (SMEs). Furthermore, the bank provides sophisticated financial services such as repurchase agreements, securities lending, safekeeping and management of financial instruments, advisory services, personalized investment portfolio oversight, guarantees, as well as leasing and factoring solutions. Complementing these, it issues credit and debit cards, offers insurance products, and facilitates payment and collection processes. Uniquely, the company also engages in hotel management, participates in the issuance of sovereign and high-quality corporate debt, and oversees the management and upkeep of its leased properties. Founded in 1871 and headquartered in Sondrio, Italy, the bank maintained a network of 350 branch locations as of December 31, 2021.
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