0.00%
9.65%
34.17%
45.64%
69.72%
195.83%
355.61%
AI Spotlight on BAMI
Company Description
Banco BPM S.p.A., together with its subsidiaries, provides banking and financial products and services to individual, business, and corporate customers in Italy.The company operates through Retail, Corporate, Institutional, Private, Investment Banking, Strategic Partnerships, Leases, and Corporate Centre segments.It offers current accounts; home mortgages; personal loans; credit, debit, and prepaid cards; home, personal, assets, and auto and vehicle insurance; and saving and investment products, as well as online trading services.
The company also provides business financing, corporate leasing, project and real estate financing, payment and collections, trade and export finance, and digital services, as well as investment and transactional banking.As of December 31, 2021, it operated 1,508 branches.The company was formerly known as Banco Popolare Societa Cooperativa Scarl and changed its name to Banco BPM Società per Azioni in January 2017.
Banco BPM S.p.A. is headquartered in Verona, Italy.
Market Data
| Last Price | 8.52 |
| Change Percentage | 0.00% |
| Open | 8.55 |
| Previous Close | 8.52 |
| Market Cap ( Millions) | 12813 |
| Volume | 5788190 |
| Year High | 8.6 |
| Year Low | 4.89 |
| M A 50 | 7.84 |
| M A 200 | 6.63 |
Financial Ratios
| FCF Yield | 50.48% |
| Dividend Yield | 11.27% |
| ROE | 10.67% |
| Debt / Equity | 251.71% |
| Net Debt / EBIDTA | 2037.19% |
| Price To Book | 0.94 |
| Price Earnings Ratio | 8.63 |
| Price To FCF | 1.98 |
| Price To sales | 2.49 |
| EV / EBITDA | 31.44 |
News
- Jan -20 - Giorgia Meloni’s supremacy threatened by €10bn banking merger
- Jan -17 - Billionaire Clans Jostle For Power in Italy's Reshaped Banking Sector
- Jan -11 - Italy Readying Review of UniCredit’s BPM Bid Under Golden Power
- Jan -09 - Top Dividend Stocks To Enhance Your Portfolio
- Jan -08 - Italy’s Banca Ifis Bids $308.7 Million for Illimity Amid Sector Consolidation
- Jan -08 - BPM Plans Risk Transfers Tied to €4.5 Billion in Loans While Trying to Fend Off UniCredit Bid
- Dec -19 - Germany opposes UniCredit’s move to raise Commerzbank stake
- Dec -18 - UniCredit Lifts Commerzbank Stake as Orcel Keeps Up Pursuit
- Dec -18 - Germany rejects UniCredit's latest Commerzbank stake hike in strongest rebuke yet
- Dec -17 - Italy's BPM asks market watchdog to protect stakeholders after UniCredit bid
- Dec -17 - Italy's BPM asks market watchdog to protect stakeholders after UniCredit bid
- Dec -13 - UniCredit CEO says $10.5 billion Banco BPM bid is fair as offer becomes binding
- Dec -13 - UniCredit CEO says $10.5 billion Banco BPM bid is fair as offer becomes binding
- Dec -11 - UniCredit's Orcel was plotting bid before Banco BPM forced hand, sources say
- Dec -11 - UniCredit's Orcel was plotting bid before Banco BPM forced hand, sources say
- Dec -11 - Credit Agricole CEO Plays Key Role in Italy’s Banking Deals
- Dec -10 - 3 Dividend Stocks To Consider With Up To 7.2% Yield
- Dec -09 - Credit Agricole could up Banco BPM stake in next 6 months, won't seek control, filing shows
- Dec -09 - Crédit Agricole moves to increase stake in Italy’s Banco BPM
- Dec -09 - Could a French bank foil UniCredit’s play for Banco BPM?
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Retail
Expected Growth : 3.5 %
What the company do ?
Retail from Banco BPM S.p.A. offers personalized banking services to individuals and families, providing loans, credit cards, and investment solutions.
Why we expect these perspectives ?
The 3.5% growth in Retail from Banco BPM S.p.A. is driven by increasing demand for digital banking services, expansion of branch networks, and strategic partnerships. Additionally, investments in customer experience, mobile banking apps, and online platforms have improved customer engagement and retention. Furthermore, the bank's focus on SMEs and consumer lending has contributed to the growth.
Segment n°2 -> Corporate Centre
Expected Growth : 3.8 %
What the company do ?
The Corporate Centre of Banco BPM S.p.A. is the headquarters that oversees the overall strategy, governance, and management of the Italian banking group.
Why we expect these perspectives ?
Banco BPM S.p.A.'s Corporate Centre growth of 3.8% is driven by effective cost management, improved operational efficiency, and strategic investments in digital transformation. Additionally, the centre's focus on risk management and robust capital allocation have contributed to its growth. Furthermore, the centre's ability to leverage synergies from the merger of Banco BPM and Banca Popolare di Milano has also supported its growth momentum.
Segment n°3 -> Institutional
Expected Growth : 3.2 %
What the company do ?
Institutional from Banco BPM S.p.A. refers to the corporate and investment banking division, providing financial services to large corporations, governments, and institutional clients.
Why we expect these perspectives ?
Institutional segment growth of 3.2% driven by Banco BPM S.p.A.'s strategic expansion into corporate banking, increased market share in Italy, and robust growth in asset management and insurance services, supported by a strong brand reputation and diversified revenue streams.
Segment n°4 -> Investment Banking
Expected Growth : 4.2 %
What the company do ?
Investment Banking from Banco BPM S.p.A. provides financial advisory services, capital markets, and restructuring solutions to corporate clients, supporting their strategic growth and development.
Why we expect these perspectives ?
Banco BPM S.p.A.'s 4.2% growth in Investment Banking is driven by increased M&A activity, debt capital markets transactions, and equity issuances. Strong relationships with Italian corporates, a favorable economic environment, and strategic expansion into adjacent businesses also contribute to this growth.
Segment n°5 -> Private
Expected Growth : 3.9 %
What the company do ?
Private Banking from Banco BPM S.p.A. offers personalized financial services and investment solutions to high net worth individuals in Italy.
Why we expect these perspectives ?
Banco BPM S.p.A.'s 3.9% private segment growth is driven by increasing demand for wealth management services, expansion of digital banking channels, and strategic partnerships. Additionally, the bank's focus on customer-centric approach, cost optimization, and investments in technology have contributed to the growth.
Segment n°6 -> Strategic Partnerships
Expected Growth : 4.1 %
What the company do ?
Strategic Partnerships from Banco BPM S.p.A. refers to collaborations with other companies to enhance business growth, improve operations, and increase revenue through mutually beneficial agreements.
Why we expect these perspectives ?
Banco BPM S.p.A.'s strategic partnerships drive 4.1% growth, fueled by increased collaboration with fintech companies, expansion into new markets, and enhanced digital offerings. This growth is also attributed to the bank's ability to leverage partnerships to improve operational efficiency, reduce costs, and enhance customer experience.
Segment n°7 -> Finance
Expected Growth : 3.6 %
What the company do ?
Banco BPM S.p.A. is an Italian banking group providing financial services, including retail, corporate, and investment banking, as well as asset management and insurance.
Why we expect these perspectives ?
Banco BPM S.p.A.'s 3.6% growth is driven by a strong focus on digital transformation, cost reduction initiatives, and a solid asset quality. The bank's strategic plan aims to improve operational efficiency, enhance customer experience, and expand its market share in Italy. Additionally, a favorable interest rate environment and a growing Italian economy contribute to the bank's growth momentum.
Segment n°8 -> Corporate Center
Expected Growth : 3.8 %
What the company do ?
The Corporate Center from Banco BPM S.p.A. is the headquarters that oversees and coordinates the bank's overall strategy and operations.
Why we expect these perspectives ?
The 3.8% growth of Corporate Center at Banco BPM S.p.A. is driven by strategic cost management, efficient capital allocation, and a focus on digital transformation. Additionally, the segment benefits from a strong risk management framework, solid asset quality, and a favorable interest rate environment, enabling the bank to maintain a stable net interest income and support its growth momentum.
Segment n°9 -> Insurance
Expected Growth : 3.4 %
What the company do ?
Insurance from Banco BPM S.p.A. offers a range of protection products, including life, non-life, and pension plans, to individuals and businesses in Italy.
Why we expect these perspectives ?
Banco BPM S.p.A.'s insurance segment growth of 3.4% is driven by increasing demand for life insurance products, expansion into new regions, and strategic partnerships. Additionally, the bank's strong distribution network and digitalization efforts have improved customer reach and experience, contributing to the growth.
Banco Bpm S.P.A. Products
| Product Range | What is it ? |
|---|---|
| Retail Banking | Banco BPM offers a wide range of retail banking services, including current accounts, credit cards, personal loans, and mortgages, to individuals and families. |
| Corporate Banking | Banco BPM provides corporate banking services to businesses, including cash management, trade finance, and lending solutions, to support their growth and development. |
| Private Banking | Banco BPM offers private banking services to high net worth individuals, including investment management, wealth planning, and tailored financial solutions. |
| Asset Management | Banco BPM provides asset management services, including mutual funds, pension funds, and institutional mandates, to help clients achieve their investment objectives. |
| Insurance | Banco BPM offers a range of insurance products, including life insurance, non-life insurance, and pension insurance, to protect clients' assets and financial well-being. |
| Wealth Management | Banco BPM provides wealth management services, including investment advice, portfolio management, and estate planning, to help clients achieve their financial goals. |
Banco BPM S.p.A.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Banco BPM S.p.A. is medium due to the presence of alternative financial institutions and digital payment systems.
Bargaining Power Of Customers
The bargaining power of customers for Banco BPM S.p.A. is low due to the lack of negotiating power of individual customers.
Bargaining Power Of Suppliers
The bargaining power of suppliers for Banco BPM S.p.A. is medium due to the presence of multiple suppliers of technology and services.
Threat Of New Entrants
The threat of new entrants for Banco BPM S.p.A. is high due to the increasing trend of fintech companies and digital banking platforms.
Intensity Of Rivalry
The intensity of rivalry for Banco BPM S.p.A. is high due to the presence of multiple banks and financial institutions in the Italian market.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 60.04% |
| Debt Cost | 8.76% |
| Equity Weight | 39.96% |
| Equity Cost | 8.76% |
| WACC | 8.76% |
| Leverage | 150.23% |
Banco BPM S.p.A. : Quality Control
Banco BPM S.p.A. passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| PKO.WA | Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna provides banking services in Poland, Ukraine, Sweden, the Czech Republic, Ireland, and Germany. Its Retail segment offers current and savings accounts, term deposits, … |
| LLBN.SW | Liechtensteinische Landesbank Aktiengesellschaft provides banking products and services in Liechtenstein, Switzerland, Austria, Europe, North and South America, Africa, Asia, and internationally. It operates through three segments: Retail & Corporate Banking, … |
| BCGE.SW | Banque Cantonale de Genève SA provides a range of banking services to private, corporate, and institutional clients. The company offers current and individual accounts, savings accounts, safe deposit boxes, currencies, … |
| BNP.WA | BNP Paribas Bank Polska S.A. provides a range of banking services in Poland. The company operates through Retail and Business Banking; Small and Medium Enterprises; Corporate Banking; Corporate and Institutional … |
| BEKN.SW | Berner Kantonalbank AG, a cantonal bank, offers various banking products and financial services to private individuals and corporate customers in Switzerland. It offers investment, shareholder, youth, education, and SME savings … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
🥇
Banco BPM
A-Score
1-Year Total Return ->
🥈
LLB
A-Score
1-Year Total Return ->
🥉
PKO Bank Polski
A-Score
1-Year Total Return ->
4
BCGE
A-Score
1-Year Total Return ->
5
Berner Kantonalbank
A-Score
1-Year Total Return ->
6
