-1.46%
10.14%
14.00%
32.88%
86.72%
228.18%
132.90%
AI Spotlight on BPE
Company Description
BPER Banca SpA provides banking products and services for individuals, and businesses and professionals in Italy and internationally.The company operates through Retail, Private, Corporate, Large Corporate, Finance, Corporate Center, and Other Assets segments.It offers loans, mortgages, insurance and social security, accounts, and digital banking related services; cards; and investments and savings products and services.
The company also provides financing and leasing, credit management and factoring, collection and payment, import and export, liquidity and investment management, digital, and other services.In addition, it offers wealth management services comprising portfolio management, global advisory, finance advice, and wealth advisory services; insurance investment products; and funds and SICAVs. As of December 31, 2021, it operated through a network of 1742 branches.The company was founded in 1867 and is headquartered in Modena, Italy.
Market Data
| Last Price | 6.5 |
| Change Percentage | -1.46% |
| Open | 6.43 |
| Previous Close | 6.59 |
| Market Cap ( Millions) | 9224 |
| Volume | 4034847 |
| Year High | 6.75 |
| Year Low | 3.4 |
| M A 50 | 6.15 |
| M A 200 | 5.38 |
Financial Ratios
| FCF Yield | 3.22% |
| Dividend Yield | 4.62% |
| ROE | 15.77% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | -1048.92% |
| Price To Book | 0.87 |
| Price Earnings Ratio | 5.85 |
| Price To FCF | 31.05 |
| Price To sales | 1.51 |
| EV / EBITDA | 0.37 |
News
- Nov -13 - Europe Follows US’s Debt Sales Revival as Borrowing Costs Fall
- Nov -08 - BPER Banca SpA (BPXXY) Q3 2024 Earnings Call Highlights: Strong Revenue Growth and Improved ...
- Oct -10 - AI Is Coming for European Bank Jobs With Italy Taking a Hit
- Jul -01 - S&P 500 Holds Steady; ‘Roaring Kitty’ Backs Chewy
- Jan -15 - Elliott-backed Gardant closes long-awaited deal with Italy's BPER
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Retail
Expected Growth : 1.2 %
What the company do ?
Retail from BPER Banca SpA refers to the banking services and products offered to individual customers, including personal loans, credit cards, and deposit accounts.
Why we expect these perspectives ?
The 1.2% growth in Retail segment of BPER Banca SpA is driven by increasing demand for consumer credit, mortgage lending, and deposit growth. Additionally, the bank's strategic expansion into new regions, digitalization of services, and cost-cutting initiatives have contributed to the growth.
Segment n°2 -> Corporate
Expected Growth : 1.1 %
What the company do ?
BPER Banca SpA's Corporate segment provides a range of financial services to corporate clients, including cash management, trade finance, and lending solutions.
Why we expect these perspectives ?
BPER Banca SpA's 1.1% corporate growth is driven by a strong focus on digital transformation, cost containment, and strategic investments in key business areas. The bank's solid capital position, improved asset quality, and robust risk management practices also contribute to its growth. Additionally, the Italian economy's moderate growth and increasing demand for credit also support the bank's expansion.
Segment n°3 -> Finance
Expected Growth : 1.3 %
What the company do ?
BPER Banca SpA's Finance segment provides a range of financial services, including retail and corporate banking, asset management, and insurance products to individuals and businesses.
Why we expect these perspectives ?
BPER Banca SpA's 1.3% growth is driven by a strong focus on digital transformation, cost containment, and strategic investments in key business areas. The bank's solid capital position, robust risk management, and diversified revenue streams also contribute to its growth. Additionally, the Italian economy's gradual recovery and increasing demand for banking services support BPER Banca's expansion.
Segment n°4 -> Large Corporate
Expected Growth : 1.1 %
What the company do ?
Large Corporate from BPER Banca SpA refers to a specialized division serving large Italian corporations with tailored financial solutions and advisory services.
Why we expect these perspectives ?
The 1.1% growth of Large Corporate segment in BPER Banca SpA is driven by a strong loan portfolio expansion, fueled by a favorable economic environment and increasing demand for credit from large Italian corporations. Additionally, the bank's strategic focus on relationship banking and tailored financial solutions has contributed to the growth.
Segment n°5 -> Corporate Center
Expected Growth : 1.0 %
What the company do ?
The Corporate Center of BPER Banca SpA is the headquarters that oversees and coordinates the bank's overall strategy, governance, and operations.
Why we expect these perspectives ?
BPER Banca SpA's Corporate Center growth is driven by strategic cost management, efficient capital allocation, and a focus on digital transformation. The 1.0 growth rate is supported by the bank's efforts to optimize its organizational structure, streamline operations, and invest in innovative technologies, enabling it to improve profitability and competitiveness in the Italian banking market.
Segment n°6 -> Private
Expected Growth : 1.1 %
What the company do ?
Private Banking from BPER Banca SpA offers personalized financial services and investment solutions to high net worth individuals and families in Italy.
Why we expect these perspectives ?
BPER Banca SpA's 1.1% private segment growth is driven by increasing demand for digital banking services, strategic partnerships, and expansion into underserved markets. Additionally, the bank's focus on customer experience, cost optimization, and risk management has contributed to its growth. Furthermore, the Italian economy's moderate growth and low interest rates have also supported the segment's expansion.
Segment n°7 -> Other
Expected Growth : 1.2 %
What the company do ?
Other from BPER Banca SpA refers to miscellaneous or non-operating income, including dividends, gains on sale of assets, and other non-recurring items.
Why we expect these perspectives ?
BPER Banca SpA's 1.2% growth in 'Other' segment is driven by increasing demand for asset management services, expansion of bancassurance products, and growth in fees from payment services. Additionally, the bank's strategic partnerships and investments in digital platforms have contributed to the segment's growth.
Bper Banca Spa Products
| Product Range | What is it ? |
|---|---|
| Retail Banking | BPER Banca SpA offers a range of retail banking services, including current accounts, savings accounts, credit cards, personal loans, and mortgages. |
| Corporate Banking | BPER Banca SpA provides corporate banking services, including cash management, trade finance, and lending solutions, to support businesses of all sizes. |
| Private Banking | BPER Banca SpA offers private banking services, including wealth management, investment advice, and portfolio management, to high net worth individuals. |
| Insurance Services | BPER Banca SpA offers a range of insurance products, including life insurance, non-life insurance, and pension plans, to individuals and businesses. |
| Investment Banking | BPER Banca SpA provides investment banking services, including M&A advisory, equity and debt capital markets, and restructuring, to corporate clients. |
| Asset Management | BPER Banca SpA offers asset management services, including mutual funds, pension funds, and discretionary portfolio management, to individual and institutional investors. |
BPER Banca SpA's Porter Forces
Threat Of Substitutes
The threat of substitutes for BPER Banca SpA is moderate, as customers have alternative banking options available.
Bargaining Power Of Customers
The bargaining power of customers is low, as BPER Banca SpA has a large customer base and offers a wide range of financial services.
Bargaining Power Of Suppliers
The bargaining power of suppliers is moderate, as BPER Banca SpA relies on a network of suppliers for its operations, but has some flexibility in choosing its suppliers.
Threat Of New Entrants
The threat of new entrants is low, as the banking industry has high barriers to entry and requires significant capital and regulatory approvals.
Intensity Of Rivalry
The intensity of rivalry is high, as BPER Banca SpA operates in a highly competitive banking industry with many established players.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 63.51% |
| Debt Cost | 11.01% |
| Equity Weight | 36.49% |
| Equity Cost | 11.01% |
| WACC | 11.01% |
| Leverage | 174.08% |
BPER Banca SpA : Quality Control
BPER Banca SpA passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| MB.MI | Mediobanca Banca di Credito Finanziario S.p.A., together with its subsidiaries, provides various banking products and services in Italy and internationally. The company operates through Wealth Management, Consumer Banking, Corporate and … |
| BPSO.MI | Banca Popolare di Sondrio S.p.A., together with its subsidiaries, provides various banking products and services in Italy. The company offers current accounts, savings deposits, certificates of deposits, time deposit accounts, … |
| OBS.VI | Oberbank AG provides various banking products and services. The company operates through Corporate and Business Banking, Personal Banking, and Financial Markets segments. It provides savings, youth, student, and business accounts; … |
| FBK.MI | FinecoBank Banca Fineco S.p.A. provides banking and investment products and services. The company operates through Banking, Brokerage, and Investing segments. The company offers banking services, including current account and deposit … |
| UNI.MC | Unicaja Banco, S.A. provides various banking products and services to individuals and companies in Spain and internationally. It offers accounts, payments, and debit and credit cards; mortgages and personal loans; … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Mediobanca
A-Score
1-Year Total Return ->
🥈
FinecoBank
A-Score
1-Year Total Return ->
🥉
Unicaja Banco
A-Score
1-Year Total Return ->
4
BPER Banca
A-Score
1-Year Total Return ->
5
Banca Sondrio
A-Score
1-Year Total Return ->
6
