Stock BPSO BANCA POPOLARE DI SONDRIO S.P.A
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Financials Banca Popolare di Sondrio S.p.A

Equities

BPSO

IT0000784196

Banks

Market Closed - Borsa Italiana
Other stock markets
 11:44:59 2024-05-17 am EDT 		5-day change 1st Jan Change
8.275 EUR +1.10% Intraday chart for Banca Popolare di Sondrio S.p.A +4.35% +41.21%
May. 09 Mib bearish; Nexi confirmed as outperformer AN
May. 09 Stock markets cautious but positive; Nexi bullish after accounts AN

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 948 989.4 1,663 1,700 2,635 3,721 - -
Enterprise Value (EV) 1 948 989.4 1,663 1,700 2,635 3,721 3,721 3,721
P/E ratio 6.96 x 9.36 x 6.24 x 6.82 x 5.76 x 7.88 x 9.31 x 9.53 x
Yield 2.37% 2.73% 5.41% - 9.56% 7.01% 5.82% 6.03%
Capitalization / Revenue 1.05 x 1.21 x 1.62 x 1.59 x 1.8 x 2.51 x 2.63 x 2.62 x
EV / Revenue 1.05 x 1.21 x 1.62 x 1.59 x 1.8 x 2.51 x 2.63 x 2.62 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book - - 0.51 x 0.51 x - 0.93 x 0.91 x 0.87 x
Nbr of stocks (in thousands) 449,711 449,706 449,699 449,708 449,716 449,708 - -
Reference price 2 2.108 2.200 3.698 3.780 5.860 8.275 8.275 8.275
Announcement Date 2/7/20 2/5/21 2/10/22 2/8/23 2/7/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 903.3 819.7 1,029 1,070 1,468 1,486 1,414 1,420
EBITDA - - - - - - - -
EBIT 1 433.6 222.8 485.2 476.5 913.5 893 764.4 766.7
Operating Margin 48% 27.18% 47.15% 44.55% 62.24% 60.11% 54.06% 53.98%
Earnings before Tax (EBT) 1 - 156.9 374.5 353.9 660.3 684 565 549.7
Net income 1 137.4 106.6 268.6 251.3 461.2 477 402.2 394.1
Net margin 15.21% 13% 26.1% 23.5% 31.42% 32.11% 28.45% 27.75%
EPS 2 0.3030 0.2350 0.5930 0.5540 1.017 1.050 0.8887 0.8681
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.0500 0.0600 0.2000 - 0.5600 0.5800 0.4814 0.4989
Announcement Date 2/7/20 2/5/21 2/10/22 2/8/23 2/7/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2020 S1 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 S1 2023 Q3 2023 Q4 2024 Q1
Net sales 1 373 249.2 274.4 231.4 252.9 246.7 339.2 331.6 354.5 686.2 359.4 422.1 409.2
EBITDA - - - - - - - - - - - - -
EBIT 1 108.6 125.5 131.9 77.74 105 121.9 180.6 154 195.9 375.2 222.7 270.7 258.4
Operating Margin 29.1% 50.36% 48.07% 33.6% 41.52% 49.41% 53.24% 46.45% 55.26% 54.68% 61.97% 64.13% 63.15%
Earnings before Tax (EBT) 1 - 93.3 - 57.1 96.8 63.7 136.3 134.1 167.8 - 205.1 153.3 209.8
Net income 1 14.41 64.8 67.2 40.3 64.8 46.2 100 94.41 112.7 207.1 141.5 112.6 145.2
Net margin 3.86% 26% 24.49% 17.42% 25.62% 18.73% 29.48% 28.47% 31.79% 30.18% 39.37% 26.68% 35.49%
EPS - - - - - - - - - - - - -
Dividend per Share - - - - - - - - - - - - -
Announcement Date 8/8/20 11/9/21 2/10/22 5/10/22 8/5/22 11/8/22 2/8/23 5/10/23 8/9/23 8/9/23 11/8/23 2/7/24 5/7/24
1EUR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 5% 3.65% 8.57% 7.55% 13.8% 12.2% 9.9% 9.6%
ROA (Net income/ Total Assets) - - - 0.45% 0.8% 0.79% 0.68% 0.67%
Assets 1 - - - 56,439 57,790 60,380 59,149 58,824
Book Value Per Share 2 - - 7.270 7.470 - 8.900 9.110 9.560
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/7/20 2/5/21 2/10/22 2/8/23 2/7/24 - - -
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Banca Popolare di Sondrio S.p.A

Trading Rating
Investor Rating
ESG Refinitiv
B-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
4
Last Close Price
8.275 EUR
Average target price
7.375 EUR
Spread / Average Target
-10.88%
Consensus

EPS Revisions

Estimates Revisions

Quarterly revenue - Rate of surprise

Company calendar

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