ScoreWhy is BPER Banca SpA ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 15.05% signifying inadequate buffers against its risk based assets
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 15.05% signifying inadequate buffers against its risk based assets
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2
With ROA of 0.64%, it has a Expensive valuation with a 1.18 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 84.29%, its profits have risen by 2.8% ; the PEG ratio of the company is 3.6
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
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.05%
EBIT Growth (5y)
28.86%
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
60.55%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.18
EV to EBIT
14.14
EV to EBITDA
12.14
EV to Capital Employed
1.07
EV to Sales
6.42
PEG Ratio
3.64
Dividend Yield
6.27%
ROCE (Latest)
7.60%
ROE (Latest)
13.84%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial TrendNot enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for BPER Banca SpA
Gross NPA - Quarterly
Lowest at 0.00 %
in the last five periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Profit After Tax (PAT) - Quarterly
Highest at EUR 467 MM.
in the last five periodsMOJO Watch
Near term PAT trend is positive
PAT (EUR MM)
Interest Earned - Nine Monthly
Higher at EUR 3,825.72 MM
than preceding 12 month period ended Mar 2024 of EUR 3,606.23 MMMOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Interest Earned (EUR MM)
CAR - Quarterly
Highest at 19.46 %
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for BPER Banca SpA
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)
Dividend Payout Ratio (DPR) - Annually
Lowest at 0.00 %
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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