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
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 59.27%, 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
57.44%
3.12
29.59%
Italy FTSE MIB
24.83%
1.34
19.25%
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
78.37%
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
1.24
EV to EBIT
-39.70
EV to EBITDA
-41.57
EV to Capital Employed
1.10
EV to Sales
99.38
PEG Ratio
NA
Dividend Yield
0.16%
ROCE (Latest)
-2.78%
ROE (Latest)
-3.80%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
OPERATING CASH FLOW(Y)
Highest at EUR 21,735.77 MM
GROSS NPA (%)
(Q
ROCE(HY)
Highest at 1.17%
NET PROFIT(Q)
Highest at EUR 1,215.72 MM
OPERATING PROFIT MARGIN(Q)
Highest at 47.64 %
EPS(Q)
Highest at EUR 0.81
-2What is not working for the Company
ROCE(HY)
Lowest at 1.17%
Here's what is working for Banco BPM SpA
Non Performing Loans (%)
Lowest at 1.98% 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 (%)
Operating Cash Flow
Highest at EUR 21,735.77 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (EUR MM)
Net Profit
Highest at EUR 1,215.72 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (EUR MM)
Operating Profit Margin
Highest at 47.64 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Profit
At EUR 1,215.72 MM has Grown at 61.95%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (EUR MM)
EPS
Highest at EUR 0.81
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (EUR)
Depreciation
Highest at EUR 155.2 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (EUR MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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