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BPER Banca S.p.A. (BPE.MI)
Modena, MO, IT
BPER Banca S.p.A. is a prominent financial institution delivering a comprehensive array of banking services and products to individual clients, businesses, and professionals, operating both domestically within Italy and internationally. The bank organizes its activities through distinct divisions, including Retail, Private Banking, Corporate, Large Corporate, Finance, Corporate Center, and Other Assets. Its extensive offerings feature various lending options like loans and mortgages, alongside insurance and social security plans, diverse account types, and advanced digital banking solutions. BPER Banca also supplies a range of card services, investment vehicles, and savings programs. Additionally, the company provides specialized services such as financing, leasing, credit management, factoring, efficient collection and payment systems, import/export support, liquidity and investment management, as well as other digital and general services. Moreover, it is deeply involved in wealth management, encompassing portfolio oversight, global financial guidance, customized finance advice, and holistic wealth advisory services. Its product suite further includes insurance investment products, various funds, and SICAVs. By December 31, 2021, the institution maintained a significant physical footprint with 1,742 branches. BPER Banca was founded in 1867 and is headquartered in Modena, Italy.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -3.69% | -2.62% | -1.52% | +3.76% | +17.09% | +3.76% | +60.90% | +357.38% | +507.56% | +318.22% | +396.42% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 4 | 0 |
| Buy | 7 | 0 |
| Hold | 2 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+18.6% Q1'26: -9.1% (vs Q1'25)
-
EPS growth-4.1% Q1'26: -16.1% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
-
EBIT margin— Q1'26: +49.1% (vs Q1'25)
-
ROIC— Q1'26: +6.1% (vs Q1'25)
-
Share dilution+35.6% Q1'26: +36.7% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 9.12× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 9 Rev. Ana. 11 EPS Ana. |
Dec 2027 10 Rev. Ana. 11 EPS Ana. |
Dec 2028 9 Rev. Ana. 10 EPS Ana. |
Dec 2029 4 Rev. Ana. 4 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
2.91B
est: 2.16B (+34.8%)
|
2.47B
est: 2.06B (+19.9%)
|
2.38B
est: 2.03B (+17.2%)
|
2.53B
est: 2.13B (+18.5%)
|
2.75B
est: 2.28B (+20.8%)
|
2.93B
est: 2.48B (+18.1%)
|
3.96B
est: 3.36B (+17.9%)
|
4.75B
est: 3.85B (+23.3%)
|
7.39B
est: 5.20B (+42.2%)
|
7.63B
est: 5.49B (+38.9%)
|
9.04B
est: 6.55B (+38.1%)
|
7.55B
7.48B – 7.66B
+15.4% YoY
|
7.81B
7.65B – 7.96B
+3.4% YoY
|
8.06B
8.05B – 8.06B
+3.2% YoY
|
8.02B
7.90B – 8.16B
-0.4% YoY
|
| EBITDA |
293.76M
est: 575.35M (-48.9%)
|
91.14M
est: 548.54M (-83.4%)
|
286.55M
est: 541.55M (-47.1%)
|
464.47M
est: 567.31M (-18.1%)
|
601.97M
est: 606.01M (-0.7%)
|
381.23M
est: 660.34M (-42.3%)
|
1.04B
est: 894.78M (+15.9%)
|
1.65B
est: 1.03B (+60.6%)
|
2.04B
est: 1.59B (+28.2%)
|
2.42B
est: 1.68B (+44.1%)
|
2.96B
est: 2.00B (+47.7%)
|
2.31B
2.29B – 2.34B
+15.4% YoY
|
2.39B
2.34B – 2.43B
+3.4% YoY
|
2.46B
2.46B – 2.46B
+3.2% YoY
|
2.45B
2.42B – 2.49B
-0.4% YoY
|
| EBIT |
213.51M
est: 448.21M (-52.4%)
|
10.54M
est: 427.32M (-97.5%)
|
199.12M
est: 421.87M (-52.8%)
|
345.53M
est: 441.95M (-21.8%)
|
416.90M
est: 472.09M (-11.7%)
|
196.74M
est: 514.42M (-61.8%)
|
692.87M
est: 697.05M (-0.6%)
|
1.39B
est: 798.59M (+73.8%)
|
1.72B
est: 1.32B (+30.7%)
|
2.05B
est: 1.39B (+47.4%)
|
2.71B
est: 1.66B (+62.8%)
|
1.92B
1.90B – 1.95B
+15.4% YoY
|
1.98B
1.94B – 2.02B
+3.4% YoY
|
2.05B
2.05B – 2.05B
+3.2% YoY
|
2.04B
2.01B – 2.07B
-0.4% YoY
|
| Net Income |
220.66M
est: 233.19M (-5.4%)
|
14.30M
est: 203.82M (-93.0%)
|
176.44M
est: 268.66M (-34.3%)
|
401.95M
est: 567.59M (-29.2%)
|
379.58M
est: 409.30M (-7.3%)
|
236.93M
est: 189.69M (+24.9%)
|
525.12M
est: 183.50M (+186.2%)
|
1.45B
est: 465.70M (+211.1%)
|
1.52B
est: 2.14B (-29.0%)
|
1.40B
est: 1.89B (-25.6%)
|
1.82B
est: 2.07B (-12.0%)
|
2.28B
2.02B – 2.39B
+10.5% YoY
|
2.58B
2.24B – 2.72B
+12.9% YoY
|
2.74B
2.43B – 2.89B
+6.4% YoY
|
2.76B
2.71B – 2.82B
+0.6% YoY
|
| SGA |
319.62M
est: 323.75M (-1.3%)
|
351.20M
est: 308.66M (+13.8%)
|
343.68M
est: 304.73M (+12.8%)
|
374.96M
est: 319.22M (+17.5%)
|
433.07M
est: 341.00M (+27.0%)
|
510.09M
est: 371.57M (+37.3%)
|
677.02M
est: 503.49M (+34.5%)
|
913.18M
est: 576.83M (+58.3%)
|
816.84M
est: 731.46M (+11.7%)
|
771.95M
est: 772.84M (-0.1%)
|
1.16B
est: 921.85M (+26.3%)
|
1.06B
1.05B – 1.08B
+15.4% YoY
|
1.10B
1.08B – 1.12B
+3.4% YoY
|
1.13B
1.13B – 1.14B
+3.2% YoY
|
1.13B
1.11B – 1.15B
-0.4% YoY
|
| EPS |
0.31
est: 0.16 (+93.1%)
|
0.02
est: 0.14 (-85.6%)
|
0.25
est: 0.19 (+34.8%)
|
0.57
est: 0.39 (+44.4%)
|
0.52
est: 0.28 (+84.1%)
|
0.35
est: 0.13 (+167.4%)
|
0.37
est: 0.13 (+192.2%)
|
1.03
est: 0.32 (+221.8%)
|
1.07
est: 1.09 (-1.7%)
|
0.99
est: 0.96 (+3.2%)
|
0.93
est: 1.05 (-11.5%)
|
1.14
1.03 – 1.22
+8.6% YoY
|
1.26
1.14 – 1.38
+10.8% YoY
|
1.35
1.24 – 1.47
+7.0% YoY
|
1.41
1.38 – 1.44
+3.9% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-08 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-07 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-06 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-05 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-04 | B- | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-30 | B | 3/5 | 4/5 | 4/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-29 | B | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-28 | B | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-27 | B | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-24 | B | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-23 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-22 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-21 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-20 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-17 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-16 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-15 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Gianni Franco Giacomo Papa | Chief Executive Officer & Director | 2M | — |
| Andrea Merenda | Chief Human Resource Officer | — | — |
| Carlo Appetiti | Chief Compliance Officer | — | male |
| Elvio Sonnino | Vice GM & Chief Operating Officer | — | male |
| Marco Mandelli | Chief Corporation & Investment Banking Officer | — | male |
| Massimiliano Baga | Chief Information Officer | — | — |
| Matteo Bigarelli | Head of Equity Investments and Special Projects | — | — |
| Nicola Sponghi | Head of Investor Relations | — | male |
| Advocate Paolo Mazza | Chief General Counsel | — | — |
| Simone Marcucci | Chief Financial Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for BPE.MI
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
