BPER Banca SpA BPE.MI
Composite 62/100; the shares have moved about 28% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Balance-sheet strength ranks 35/100 — a moderate mark against it.
Income ranks 98/100 — a strong point in its favour. Momentum ranks 83/100 — a strong point in its favour. Valuation ranks 66/100 — a moderate point in its favour.
Balance-sheet strength ranks 35/100 — a moderate mark against it.
What the company does BPER Banca SpA is an Italian regional bank offering retail and business banking, wealth management, insurance, and digital services. Founded in 1867, it operates primarily in Italy with a focus on loans, deposits, and investment products.
Key financials BPER reports ROE of 13.1% and ROA of 1.1%, with net margins at 30.2%. Revenue grew 24.1% but EPS declined -14.4%. The dividend yield is 9.2% with a 67.0% payout ratio, and P/E is 13.29 (forward 10.92).
Stock health Momentum is strong: 12-month return 71.85%, RSI(14) at 50.50. Sidera scores Valuation 68.6 and Momentum 79.9, but Quality is 49.0 and Strength 39.8, indicating mixed fundamentals.
Price vs fair value The stock trades at a **discount** of 28.50% to our fair-value estimate of 17.54 and a **discount** of 8.09% to the 12-month target of 14.75. - High dividend yield 9.2% supports valuation (company data). - Forward P/E of 10.92 is below trailing 13.29 (Valuation 68.6). - Revenue growth 24.1% outpaces EPS decline -14.4% (company data). - Momentum 71.85% over 12 months supports near-term sentiment (Sidera).
Looking forward Forward PEG of 0.50 suggests undervaluation relative to growth, but weak Quality and Strength scores warrant caution. Analysts see limited upside to the 14.75 target despite strong momentum.
This is not investment advice. Sideravia provides automated, data-driven analysis for information and education only. Nothing on this page is a personal recommendation or an invitation to buy or sell any security, and it does not consider your objectives or financial situation. Assessments are generated by rules applied uniformly to every covered stock — how our scores work.
Data as of 2026-09-04, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.