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Investlytic score: 3/5 criteria met. Data as of 17/09/2026.
- ✅ Price trend passed
- ✅ Growth passed
- ❌ Debt failed
- ✅ P/E passed
- ❌ Correction failed
Price trend
Overall trend (8 years): the price has been multiplied by at least 1.5.
Price change 2018 → 2019: 32.89%
Price change 2019 → 2020: -50.83%
Price change 2020 → 2021: 22.15%
Price change 2021 → 2022: 5.49%
Price change 2022 → 2023: 57.81%
Price change 2023 → 2024: 102.31%
Price change 2024 → 2025: 89.23%
Price change 2025 → 2026: 21.66%
Price change 2026 (year to date): 19.90%
Financial growth
Revenue CAGR (8 years): 19.99%
Earnings CAGR (8 years): 24.06%
Growth status: positive trend (>1%/yr) in revenue and earnings.
Debt
Debt-to-equity ratio: 1.59
Debt/equity > 0.5 (maximum threshold).
P/E (Price/Earnings)
P/E ratio: 12.86
P/E < 25.0 (maximum threshold).
Correction (6 months)
Current correction: 4.84% from the high over 6 months.
Insufficient correction (< 10.0%).
Criteria of the Investlytic model
- / 5Free with the Investlytic logo. Paste this line into your page: options.
<script src="https://investlytic.co/encart.js" data-symbole="BPE.MI" data-lang="en"></script>Price trend
Price & trend
Interactive chart →💰 Dividend
Dividend ranking →⚖️ Comparison with the market
All stocks →| Stock | P/E | Dette/FP | Revenue growth | Rating |
|---|---|---|---|---|
| BPER Banca S.p.A. | 12.2 | 1.59 | +8.4 % | 🔒 |
| Banco BPM S.p.A. | 9.0 | 2.00 | +3.1 % | – |
| Amundi S.A. | 13.7 | 0.16 | +8.4 % | ★ 4/5 |
| MSCI Inc. | 32.4 | – | +10.9 % | – |
| Commerzbank AG | 13.8 | 4.22 | −5.1 % | – |
Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.
Detailed analysis · Price trend
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Revenues & profits
Revenue and net income
Financial indicators
Annual financial statements
| Fiscal year | Revenue | Net income | Net margin | EPS | Revenue growth |
|---|
Key reported figures
Revenue, net income and net margin reported by BPER Banca S.p.A. over the latest fiscal years.
| Fiscal year | Revenue | Net income | Net margin | Revenue growth |
|---|---|---|---|---|
| 2020 | 3.3 bn | 265 m | 8.1 % | n/a |
| 2021 | 4.4 bn | 587 m | 13.3 % | +35.3 % |
| 2022 | 5.3 bn | 1.6 bn | 30.5 % | +19.9 % |
| 2023 | 8.3 bn | 1.7 bn | 20.6 % | +55.6 % |
| 2024 | 8.5 bn | 1.6 bn | 18.4 % | +3.2 % |
| 2025 | 10.1 bn | 2.0 bn | 20.1 % | +18.6 % |
Amounts converted to USD. Source: published annual accounts, collected on 30/10/2026.
Accounts and financial health
Balance sheet and cash flow published by BPER Banca S.p.A. over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash and investments | 21.8 bn | 15.4 bn | 10.1 bn | 9.0 bn | 12.7 bn |
| Total Debt | 7.3 bn | 10.0 bn | 25.2 bn | 19.9 bn | 26.3 bn |
| Net Debt | -14.4 bn | -5.4 bn | 1.8 bn | 10.9 bn | 14.6 bn |
| Equity | 6.7 bn | 7.9 bn | 9.4 bn | 11.4 bn | 16.6 bn |
| Total assets | 136 bn | 152 bn | 142 bn | 141 bn | 205 bn |
| Operating cash flow | 1.3 bn | 12.8 bn | -3.4 bn | -2.5 bn | 9.0 bn |
| Investments (capex) | 246 m | 335 m | 156 m | 358 m | 312 m |
| Free cash-flow | 1.0 bn | 12.5 bn | -3.6 bn | -2.6 bn | 8.9 bn |
| Share buybacks | 3.1 m | 0 | 0 | 28.7 m | 21.0 m |
| Dividends paid | 61.1 m | 91.3 m | 181 m | 448 m | 1.1 bn |
Amounts in EUR, currency of the published accounts.
Trailing 12-month ratios
Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 02/11/2026.
Valuation and competitors
BPER Banca S.p.A. compared with its sector on the same exchange and with its main competitors.
Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on 30/10/2026. Competitors: comparable companies named by the data provider.
Analyst consensus and forecasts
What the financial analysts covering BPER Banca S.p.A. publish: ratings, price targets and earnings forecasts.
Breakdown of ratings
Price targets: published for companies listed in the United States only.
Analyst forecasts
| Fiscal year | Revenue | Net income | Expected EPS (range) | P/E on this EPS | Analysts |
|---|---|---|---|---|---|
| 2026 | 7.7 bn | 2.4 bn | 1.21 (1.13 / 1.26) | 10.8 | 9 |
| 2027 | 7.9 bn | 2.6 bn | 1.31 (1.26 / 1.41) | 9.9 | 8 |
| 2028 | 8.2 bn | 2.8 bn | 1.41 (1.31 / 1.48) | 9.2 | 8 |
Amounts in EUR, the reporting currency.
Track record against expectations: reported EPS above consensus 6 times over the last 8 releases.
Source: ratings and forecasts published by analysts, collected on 01/11/2026. An analyst rating or target is not a guarantee.
Dividends and earnings
BPER Banca S.p.A.: dividend history, last distributions, stock splits and earnings releases.
Annual dividend per share (EUR), adjusted for splits. Light bar: current year, incomplete. Red bar: lower than the previous year.
Latest ex-dividend dates
| Ex-dividend | Amount | Payment |
|---|---|---|
| 18/05/2026 | 0.561 EUR | 20/05/2026 |
| 24/11/2025 | 0.100 EUR | 26/11/2025 |
| 19/05/2025 | 0.600 EUR | 21/05/2025 |
| 20/05/2024 | 0.300 EUR | 22/05/2024 |
| 22/05/2023 | 0.120 EUR | 24/05/2023 |
| 07/02/2023 | 0.105 EUR | n/a |
| 23/05/2022 | 0.0600 EUR | 25/05/2022 |
| 24/05/2021 | 0.0400 EUR | 26/05/2021 |
Earnings releases
Next release: 05/11/2026. Expected EPS: 0.30.
| Date | Published EPS | Expected EPS | Surprise |
|---|---|---|---|
| 06/08/2026 | 0.36 | 0.30 | +20.0 % |
| 07/05/2026 | 0.26 | 0.27 | -2.2 % |
| 07/05/2025 | 0.29 | 0.29 | 0.0 % |
| 05/02/2025 | 0.19 | 0.13 | +46.2 % |
| 05/11/2024 | 0.29 | 0.24 | +20.8 % |
| 06/08/2024 | 0.27 | 0.24 | +11.0 % |
Stock splits
| Date | Operation |
|---|---|
| 05/10/2020 | split: 1,477 shares for 1,000 |
| 23/06/2014 | split: 1,107 shares for 1,000 |
| 21/05/2012 | split: 71 shares for 70 |
| 30/10/2006 | split: 203 shares for 200 |
| 26/06/2006 | split: 3 shares for 1 |
| 24/01/2000 | split: 2 shares for 1 |
Factual data: ex-dividend history and earnings calendar, as of 01/11/2026. A past dividend does not guarantee the next one.
PEA and practical information
Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.
Frequently asked questions about BPER Banca S.p.A.
What is the BPER Banca S.p.A. share price?
Latest recorded price: 12.99 EUR on 30/10/2026, for a market cap of 30.3 bn USD.
What is the revenue of BPER Banca S.p.A.?
10.1 bn USD for fiscal year 2025, with net income of 2.0 bn USD (net margin 20.1 %).
Does BPER Banca S.p.A. pay a dividend?
Yes. Latest dividend: 0.561 EUR per share, ex-dividend on 18/05/2026. Over 12 months: 0.661 EUR. Yield on the latest known price: 4.7 %.
When does BPER Banca S.p.A. report its next earnings?
The next release is expected on 05/11/2026. EPS expected by analysts: 0.30.
What do analysts say about BPER Banca S.p.A.?
Out of 11 analysts: 7 buy or strong buy, 4 hold, 0 sell or strong sell.
What is the P/E ratio of BPER Banca S.p.A.?
Trailing 12-month P/E of 12.2.
Is BPER Banca S.p.A. stock eligible for the French PEA?
Likely: the company is headquartered in the European Union or the European Economic Area (ISIN IT0000066123) and the stock is listed on a European exchange. The institution holding the PEA confirms eligibility.
How many employees does BPER Banca S.p.A. have?
19,508 full-time employees according to the latest published profile.
Who runs BPER Banca S.p.A.?
Gianni Franco Giacomo Papa is the company's chief executive.