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BPER Banca S.p.A.

BPER Banca S.p.A.

BPE.MI
BPER Banca S.p.A.IT flagItalian Stock Exchange
14.06
EUR
+0.11
- -
29.29BMarket Cap
BPER Banca S.p.A.
BPE.MI
(Italian Stock Exchange)

Recent

price

14.06

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
5.25
4.18
4.34
4.34
4.41
3.51
3.04
2.94
3.2
3.41
4.03
2.62
3.06
4.15
4.23
4.24
2.94
Revenue per Share
0.71
0.4
-0.02
0.01
0.03
0.31
0.02
0.25
0.57
0.52
0.35
0.37
1.03
1.07
0.99
1.1
0.75
Basic EPS, GAAP
0.91
-0.91
0.29
0.81
0.4
0.66
-0.19
0.07
0.1
0.29
-1.29
0.72
8.82
-2.69
-2.02
1.71
- -
Free Cash Flow per Basic Share
0.16
0.09
0.05
- -
- -
0.01
0.07
0.05
0.08
0.1
- -
0.04
0.06
0.13
0.32
0.65
- -
Dividend per Share
2.57
2.25
1.83
1.86
2.73
2.34
2.05
2.28
2.6
2.65
3.44
1.86
2.52
2.56
2.49
2.9
- -
Book Value per Share
9.35
7.77
7.95
7.79
9.37
7.23
7.09
7.33
6.27
6.31
8.29
4.53
5.35
6.3
7.67
9.71
- -
Tangible Book Value per Share
410
539
540
542
535
710
710
710
710
732
679
1,412
1,412
1,415
1,416
1,646
1,828
Basic Weighted Avg Shares
2,151
2,255
2,342
2,352
2,361
2,491
2,158
2,092
2,272
2,494
2,736
3,703
4,314
5,875
5,988
6,974
5,366
Sales/Revenue/Turnover
- -
- -
- -
2.84
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
55
58
61
66
70
80
81
87
119
185
184
345
258
311
365
398
284
Depreciation Expense
293
215
-11
7
15
221
14
176
402
380
237
525
1,449
1,519
1,403
1,818
1,376
Net Income, GAAP
44.96
39.93
- -
77.77
48.8
- -
- -
11.17
- -
5.38
- -
19.37
- -
10.02
29.96
30.94
30.26
Effective Tax Rate (%)
13.63
9.52
-0.48
0.31
0.63
8.86
0.66
8.44
17.7
15.22
8.66
14.18
33.59
25.86
23.42
26.08
25.64
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
18,090
19,838
17,262
15,313
14,543
13,862
11,234
9,994
7,944
8,509
7,187
7,330
10,024
17,964
19,869
24,870
- -
LT Debt
4,344
4,646
4,763
4,712
5,510
5,652
5,556
5,717
4,897
5,292
6,334
6,859
8,121
9,565
11,564
17,595
- -
Total Equity
- -
- -
- -
0.07
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
30.36
18.95
-1.03
0.72
1.2
14.13
0.92
11.46
23.19
20.04
11.07
21.16
46.9
42.34
39.25
43.84
107.27
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,964
1,962
- -
Market Capitalization
14,667
19,608
20,360

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
12,299
13,176
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
13.21%
23.5%
52.15%
Free Cash Flow
2.22%
110.6%
-198.46%
Net Income, GAAP
144.95%
64.88%
29.64%
Sales/Revenue/Turnover
11.81%
21.28%
16.45%
Total Cash Common Dividend
258.56%
446.09%
140.41%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,475
1,539
1,465
1,327
5,988
2025
1,524
1,515
1,944
1,906
6,974
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.32
- -
- -
0.19
0.99
2025
0.31
0.32
0.29
0.17
1.1
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.32
2025
- -
- -
- -
- -
0.65
2026
- -
- -
- -
- -
- -
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Business
BPER Banca S.p.A. (BPE.MI) operates as one of Italy's leading commercial banking groups, providing a comprehensive range of retail banking, corporate and investment banking, private and wealth management, bancassurance, leasing, factoring, and consumer finance services to approximately 6 million customers through nearly 2,000 branches nationwide and digital channels. The bank offers current and savings accounts, loans, mortgages, credit and debit cards, insurance and protection products, investment and savings solutions including asset management with over €300 billion in total financial assets under management, digital banking services, financing and leasing, collection and payment services, import/export support, liquidity and investment management, M&A advisory, corporate finance, and online trading; subsidiaries include Banco di Sardegna, BPER Banca Private Cesare Ponti, BPER Leasing, BPER Factor, Finitalia, Bibanca, and strategic stakes in ARCA Vita and Alba Leasing. Founded in 1867 and headquartered in Modena, Italy, BPER Banca maintains a primarily domestic focus with limited international operations through entities like BPER Bank Luxembourg, targeting individuals, households, professionals, small and medium-sized enterprises, and corporate clients across all key market segments. In recent developments, BPER Banca completes the acquisition and integration of Banca Popolare di Sondrio in mid-2025 following a €4.3 billion all-share takeover bid launched earlier in the year, significantly expanding its branch network, customer base, and market share while projecting €290 million in cost synergies by 2027, 40% net income growth, and revenues reaching €6.4 billion in 2025; the group also advances its B:Dynamic | Full Value 2027 business plan presented in 2024, emphasizing technological modernization with €650 million in IT investments, ESG integration, and operating expense reductions, building on prior expansions such as the 2022 incorporation of Banca Carige and 2020 acquisition of 532 Intesa Sanpaolo branches.