ScoreWhy is Banco BPM SpA ?
1
Weak Long Term Fundamental Strength as the company has not declared results in the last 6 months
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at -200.98%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.63% signifying inadequate buffers against its risk based assets
2
Flat results in Dec 25
- NII(Q) Lowest at EUR 1,710.72 MM
- CASH AND EQV(HY) Lowest at EUR 5,170.38 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 124.59%
3
Risky -
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of 43.40%, its profits have fallen by -176%
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 Major Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Banco BPM SpA for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Banco BPM SpA
-100.0%
5.37
26.80%
Italy FTSE MIB
27.29%
1.54
16.37%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-36.18%
EBIT Growth (5y)
-181.45%
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
72.22%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
1.49
EV to EBIT
-50.33
EV to EBITDA
-52.71
EV to Capital Employed
1.18
EV to Sales
126.00
PEG Ratio
NA
Dividend Yield
0.13%
ROCE (Latest)
-2.35%
ROE (Latest)
-3.74%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Sideways
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
GROSS NPA (%)
(Q
-5What is not working for the Company
NII(Q)
Lowest at EUR 1,710.72 MM
CASH AND EQV(HY)
Lowest at EUR 5,170.38 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 124.59%
NET SALES(Q)
Lowest at EUR 2,793.9 MM
Here's what is working for Banco BPM SpA
Non Performing Loans (%)
Lowest at 1.71% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Depreciation
Highest at EUR 176.59 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (EUR MM)
Depreciation
At EUR 176.59 MM has Grown at 13.78%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (EUR MM)
Here's what is not working for Banco BPM SpA
NII
Lowest at EUR 1,710.72 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (EUR MM)
Net Sales
Lowest at EUR 2,793.9 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (EUR MM)
Cash and Eqv
Lowest at EUR 5,170.38 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 124.59%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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