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 8.07 billion.

Market Cap	8.07B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Tuesday, May 5, 2026.

Earnings Date	May 5, 2026
Ex-Dividend Date	May 19, 2025

Share Statistics

BIT:BPSO has 449.82 million shares outstanding. The number of shares has increased by 0.01% in one year.

Current Share Class	449.82M
Shares Outstanding	449.82M
Shares Change (YoY)	+0.01%
Shares Change (QoQ)	-0.62%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	71.53%
Float	449.82M

Valuation Ratios

The trailing PE ratio is 12.45 and the forward PE ratio is 12.96.

PE Ratio	12.45
Forward PE	12.96
PS Ratio	4.88
PB Ratio	1.77
P/TBV Ratio	1.78
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

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	-146.93
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 14.85%.

Return on Equity (ROE)	14.85%
Return on Assets (ROA)	1.13%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	3.31%
Revenue Per Employee	471,421
Profits Per Employee	184,560
Employee Count	3,609
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, BIT:BPSO has paid 297.76 million in taxes.

Income Tax	297.76M
Effective Tax Rate	31.48%

Stock Price Statistics

The stock price has increased by +85.70% in the last 52 weeks. The beta is 0.70, so BIT:BPSO's price volatility has been lower than the market average.

Beta (5Y)	0.70
52-Week Price Change	+85.70%
50-Day Moving Average	16.80
200-Day Moving Average	14.69
Relative Strength Index (RSI)	64.86
Average Volume (20 Days)	600,177

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 1.66 billion and earned 647.99 million in profits. Earnings per share was 1.44.

Revenue	1.66B
Gross Profit	1.66B
Operating Income	957.66M
Pretax Income	945.75M
Net Income	647.99M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.44

Balance Sheet

The company has 3.95 billion in cash and 11.73 billion in debt, with a net cash position of -7.78 billion or -17.29 per share.

Cash & Cash Equivalents	3.95B
Total Debt	11.73B
Net Cash	-7.78B
Net Cash Per Share	-17.29
Equity (Book Value)	4.57B
Book Value Per Share	10.16
Working Capital	-40.03B

Cash Flow

In the last 12 months, operating cash flow was -50.51 million and capital expenditures -29.30 million, giving a free cash flow of -79.82 million.

Operating Cash Flow	-50.51M
Capital Expenditures	-29.30M
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	-79.82M
FCF Per Share	-0.18

Margins

Gross Margin	n/a
Operating Margin	57.86%
Pretax Margin	57.14%
Profit Margin	39.15%
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 4.54%.

Dividend Per Share	0.80
Dividend Yield	4.54%
Dividend Growth (YoY)	42.86%
Years of Dividend Growth	5
Payout Ratio	55.60%
Buyback Yield	-0.01%
Shareholder Yield	4.53%
Earnings Yield	8.03%
FCF Yield	-0.99%

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