ScoreWhy is Banca Sistema SpA ?
1
With a Operating Losses, the company has a Weak Long Term Fundamental Strength
- Poor long term growth as Net profit has grown by an annual rate of 4.13%
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2
Underperformed the market in the last 1 year
- The stock has generated a return of 14.79% in the last 1 year, much lower than market (Italy FTSE MIB) returns of 25.83%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Banca Sistema SpA for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Banca Sistema SpA
13.09%
-0.45
37.34%
Italy FTSE MIB
24.83%
1.34
19.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.19%
EBIT Growth (5y)
16.43%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
4
Industry P/E
Price to Book Value
0.47
EV to EBIT
20.25
EV to EBITDA
18.85
EV to Capital Employed
0.88
EV to Sales
5.47
PEG Ratio
0.03
Dividend Yield
NA
ROCE (Latest)
4.33%
ROE (Latest)
12.43%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for Banca Sistema SpA
Interest Earned - Nine Monthly
Higher at EUR 143.25 MM
than preceding 12 month period ended Mar 2024 of EUR 135.00 MMMOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Interest Earned (EUR MM)
Here's what is not working for Banca Sistema SpA
Operating Cash Flow - Annually
Lowest at EUR -91.32 MM and Fallen
each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (EUR MM)
Operating Profit (PBDIT) - Quarterly
Lowest at EUR -14 MM.
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (EUR MM)
Operating Profit Margin - Quarterly
Lowest at -28.90%
in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales (EUR MM)
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at EUR -14 MM.
in the last five periodsMOJO Watch
Near term PBT trend is negative
PBT less Other Income (EUR MM)
Earnings per Share (EPS) - Quarterly
Lowest at EUR 0.00
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (EUR)
Non Operating Income - Quarterly
Highest at EUR 21 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income (EUR MM)
CAR - Quarterly
Lowest at 0.00 %
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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