Banca Popolare di Sondrio S.p.A

    Banca Popolare di Sondrio S.p.A

    MMIL:BPSO
    17.86
    EUR
    +0.25
    (+1.42%)
    11.51P/E
    2013 Y
    2014 Y
    2015 Y
    2016 Y
    2017 Y
    2018 Y
    2019 Y
    2020 Y
    2021 Y
    2022 Y
    2023 Y
    2024 Y
    2025 Y
    TTM
    Revenue per Share
    3.07
    3.01
    2.48
    2.06
    2.21
    2.08
    2.17
    1.95
    2.46
    2.57
    3.52
    3.91
    3.96
    3.97
    Basic EPS, GAAP
    0.15
    0.3
    0.28
    0.22
    0.35
    0.24
    0.3
    0.23
    0.59
    0.55
    1.02
    1.28
    1.44
    1.45
    Free Cash Flow per Basic Share
    0.02
    -0.77
    1.17
    0.08
    8.79
    1.95
    0.66
    7.69
    0.63
    3.2
    -5.35
    -1.4
    - -
    - -
    Dividend per Share
    0.04
    0.05
    0.07
    0.08
    0.06
    0.08
    0.05
    - -
    0.06
    0.2
    0.28
    0.56
    - -
    - -
    Book Value per Share
    2.79
    3.86
    3.28
    3.21
    3.35
    3.24
    3.3
    3.23
    3.59
    3.55
    4.02
    4.3
    4.46
    4.48
    Tangible Book Value per Share
    5.67
    6.46
    5.79
    5.8
    6.05
    5.97
    6.4
    6.76
    7.38
    7.39
    8.32
    9.15
    10.08
    10.13
    Basic Weighted Avg Shares
    351
    382
    454
    454
    454
    454
    454
    454
    453
    453
    453
    450
    450
    448
    Sales/Revenue/Turnover
    1,076
    1,149
    1,125
    933
    1,002
    945
    986
    883
    1,115
    1,163
    1,598
    1,763
    1,784
    1,779
    Operating Margin (%)
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    Depreciation Expense
    29
    32
    32
    34
    36
    35
    59
    61
    55
    65
    75
    79
    87
    87
    Net Income, GAAP
    53
    115
    129
    99
    159
    111
    137
    107
    269
    251
    461
    575
    648
    648
    Effective Tax Rate (%)
    51.59
    39.07
    30.01
    23.15
    29.31
    20.13
    28.47
    30.07
    26.57
    28.98
    30.16
    31.61
    31.48
    31.48
    Profit Margin (%)
    4.93
    10.03
    11.49
    10.57
    15.9
    11.73
    13.94
    12.07
    24.09
    21.61
    28.85
    32.62
    36.33
    36.43
    Working Capital
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    LT Debt
    3,411
    3,945
    3,866
    3,646
    3,291
    2,782
    3,455
    3,434
    4,419
    4,188
    5,068
    5,778
    5,475
    5,475
    Total Equity
    2,012
    2,490
    2,649
    2,657
    2,770
    2,744
    2,937
    3,096
    3,375
    3,387
    3,809
    4,156
    4,568
    4,568
    Return on Invested Capital (%)
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    Return on Capital (%)
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    Return on Common Equity (%)
    5.48
    9.39
    8.72
    6.69
    10.69
    7.41
    9.26
    7.19
    17.36
    15.51
    26.87
    30.61
    32.87
    32.87

    Capital Structure

    EUR

    •

    in mil. unless spec.
    Jun'25
    Sep'25
    Dec'25
    ST Debt
    - -
    - -
    - -
    LT Borrowings
    - -
    - -
    - -
    LT Finance Leases
    - -
    - -
    - -
    Preferred Equity and Hybrid Capital
    - -
    - -
    - -
    Shares Outstanding
    450
    450
    450
    Market Capitalization
    5,292
    5,945
    7,459

    Working Capital

    EUR

    •

    in mil. unless spec.
    Jun'25
    Sep'25
    Dec'25
    Total Current Assets
    - -
    - -
    - -
    Cash, Cash Equivalents & STI
    2,393
    2,712
    3,334
    Accounts Receivable, Net
    - -
    - -
    - -
    Inventories
    - -
    - -
    - -
    Total Current Liabilities
    - -
    - -
    - -
    Payables & Accruals
    - -
    - -
    - -
    ST Debt
    - -
    - -
    - -
    Deferred Revenue
    - -
    - -
    - -

    Growth Rates

    EUR

    •

    in mil. unless spec.

    (avg. rate of change)

    10 years
    5 years
    1 year
    Total Equity
    5.69%
    8.17%
    9.91%
    Free Cash Flow
    - -
    - -
    - -
    Net Income, GAAP
    27.54%
    53.29%
    12.71%
    Sales/Revenue/Turnover
    5.8%
    15.89%
    1.19%
    Total Cash Common Dividend
    - -
    - -
    - -

    Quarterly Revenue

    EUR

    •

    in mil. unless spec.

    Year

    Q1
    Q2
    Q3
    Q4
    FY
    2023
    358
    377
    386
    450
    1,598
    2024
    429
    426
    442
    453
    1,763
    2025
    444
    460
    442
    433
    1,784

    Quarterly Earnings Per Share

    EUR

    •

    in mil. unless spec.

    Year

    Q1
    Q2
    Q3
    Q4
    FY
    2023
    0.21
    0.25
    - -
    0.25
    1.02
    2024
    0.32
    0.26
    0.37
    0.32
    1.28
    2025
    0.39
    0.36
    - -
    0.3
    1.44

    Quarterly Dividends Per Share

    EUR

    •

    in mil. unless spec.

    Year

    Q1
    Q2
    Q3
    Q4
    FY
    2023
    - -
    - -
    - -
    - -
    0.28
    2024
    - -
    - -
    - -
    - -
    0.56
    2025
    - -
    - -
    - -
    - -
    - -

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