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 2024-04-26 am EDT 		5-day change 1st Jan Change
7.66 EUR +3.03% Intraday chart for Banca Popolare di Sondrio S.p.A +6.83% +30.72%
Apr. 26 Mib up; US stocks up after PCE data AN
Apr. 24 Fitch improves ratings of Banca Popolare di Sondrio AN

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 1,184 948 989.4 1,663 1,700 3,445 3,445 -
Enterprise Value (EV) 1 1,184 948 989.4 1,663 1,700 2,635 3,445 3,445
P/E ratio 14.3 x 6.96 x 9.36 x 6.24 x 6.82 x 5.76 x 7.58 x 9.01 x
Yield 1.9% 2.37% 2.73% 5.41% - 6.44% 7% 5.87%
Capitalization / Revenue 1.37 x 1.05 x 1.21 x 1.62 x 1.59 x 1.8 x 2.36 x 2.48 x
EV / Revenue 1.37 x 1.05 x 1.21 x 1.62 x 1.59 x 1.8 x 2.36 x 2.48 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book - - - 0.51 x 0.51 x 0.96 x 0.88 x 0.85 x
Nbr of stocks (in thousands) 449,716 449,711 449,706 449,699 449,708 449,716 449,716 -
Reference price 2 2.632 2.108 2.200 3.698 3.780 7.660 7.660 7.660
Announcement Date 2/16/19 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 2018 2019 2020 2021 2022 2023 2024 2025
Net sales 1 866.3 903.3 819.7 1,029 1,070 1,468 1,459 1,390
EBITDA - - - - - - - -
EBIT 1 364.2 433.6 222.8 485.2 476.5 913.5 860.5 742.6
Operating Margin 42.05% 48% 27.18% 47.15% 44.55% 62.24% 59% 53.44%
Earnings before Tax (EBT) 1 - - 156.9 374.5 353.9 660.3 644.7 540.7
Net income 1 110.8 137.4 106.6 268.6 251.3 461.2 457.9 385
Net margin 12.79% 15.21% 13% 26.1% 23.5% 31.42% 31.4% 27.7%
EPS 2 0.1840 0.3030 0.2350 0.5930 0.5540 1.017 1.011 0.8500
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.0500 0.0500 0.0600 0.2000 - 0.4934 0.5363 0.4496
Announcement Date 2/16/19 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 Q2 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 1 373 258.5 249.2 274.4 231.4 252.9 246.7 339.2 331.6 354.5 686.2 359.4 422.1 421
EBITDA - - - - - - - - - - - - - -
EBIT 1 108.6 119.1 125.5 131.9 77.74 105 121.9 180.6 154 195.9 375.2 222.7 270.7 255
Operating Margin 29.1% 46.07% 50.36% 48.07% 33.6% 41.52% 49.41% 53.24% 46.45% 55.26% 54.68% 61.97% 64.13% 60.57%
Earnings before Tax (EBT) 1 - 106.1 93.3 - 57.1 96.8 63.7 136.3 134.1 167.8 - 205.1 153.3 197
Net income 1 14.41 77.4 64.8 67.2 40.3 64.8 46.2 100 94.41 112.7 207.1 141.5 112.6 140
Net margin 3.86% 29.94% 26% 24.49% 17.42% 25.62% 18.73% 29.48% 28.47% 31.79% 30.18% 39.37% 26.68% 33.25%
EPS - - - - - - - - - - - - - -
Dividend per Share - - - - - - - - - - - - - -
Announcement Date 8/8/20 8/5/21 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 -
1EUR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 4.16% 5% 3.65% 8.57% 7.55% 12.8% 11.9% 9.43%
ROA (Net income/ Total Assets) - - - - 0.45% 0.81% 0.72% 0.61%
Assets 1 - - - - 56,439 56,689 63,604 63,109
Book Value Per Share 2 - - - 7.270 7.470 8.020 8.730 8.980
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/16/19 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
7.66 EUR
Average target price
7.1 EUR
Spread / Average Target
-7.31%
Consensus

EPS Revisions

Estimates Revisions

Quarterly revenue - Rate of surprise

Company calendar

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