Banca Popolare di Sondrio S.p.A (BIT:BPSO)

BIT:BPSO Statistics

Total Valuation

BIT:BPSO has a market cap or net worth of EUR 5.85 billion.

Market Cap	5.85B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Tuesday, November 4, 2025.

Earnings Date	Nov 4, 2025
Ex-Dividend Date	May 19, 2025

Share Statistics

BIT:BPSO has 449.82 million shares outstanding. The number of shares has decreased by -3.32% in one year.

Current Share Class	449.82M
Shares Outstanding	449.82M
Shares Change (YoY)	-3.32%
Shares Change (QoQ)	+1.75%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	77.19%
Float	449.82M

Valuation Ratios

The trailing PE ratio is 9.06 and the forward PE ratio is 10.36. BIT:BPSO's PEG ratio is 7.14.

PE Ratio	9.06
Forward PE	10.36
PS Ratio	3.71
PB Ratio	1.35
P/TBV Ratio	1.36
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	7.14

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-19.74
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 15.89%.

Return on Equity (ROE)	15.89%
Return on Assets (ROA)	1.14%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	423,757
Profits Per Employee	173,756
Employee Count	3,720
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, BIT:BPSO has paid 298.30 million in taxes.

Income Tax	298.30M
Effective Tax Rate	31.54%

Stock Price Statistics

The stock price has increased by +92.74% in the last 52 weeks. The beta is 1.21, so BIT:BPSO's price volatility has been higher than the market average.

Beta (5Y)	1.21
52-Week Price Change	+92.74%
50-Day Moving Average	12.30
200-Day Moving Average	10.80
Relative Strength Index (RSI)	59.20
Average Volume (20 Days)	902,854

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, BIT:BPSO had revenue of EUR 1.58 billion and earned 647.59 million in profits. Earnings per share was 1.44.

Revenue	1.58B
Gross Profit	1.58B
Operating Income	948.07M
Pretax Income	945.89M
Net Income	647.59M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.44

Balance Sheet

The company has 2.65 billion in cash and 11.03 billion in debt, giving a net cash position of -8.37 billion or -18.61 per share.

Cash & Cash Equivalents	2.65B
Total Debt	11.03B
Net Cash	-8.37B
Net Cash Per Share	-18.61
Equity (Book Value)	4.33B
Book Value Per Share	9.62
Working Capital	-39.49B

Cash Flow

In the last 12 months, operating cash flow was -517.38 million and capital expenditures -41.11 million, giving a free cash flow of -558.49 million.

Operating Cash Flow	-517.38M
Capital Expenditures	-41.11M
Free Cash Flow	-558.49M
FCF Per Share	-1.24

Margins

Gross Margin	n/a
Operating Margin	60.03%
Pretax Margin	59.89%
Profit Margin	41.00%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.80, which amounts to a dividend yield of 6.07%.

Dividend Per Share	0.80
Dividend Yield	6.07%
Dividend Growth (YoY)	42.86%
Years of Dividend Growth	4
Payout Ratio	55.32%
Buyback Yield	3.32%
Shareholder Yield	9.39%
Earnings Yield	11.07%
FCF Yield	-9.54%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on June 9, 2014. It was a forward split with a ratio of 1.1.

Last Split Date	Jun 9, 2014
Split Type	Forward
Split Ratio	1.1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2