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MTAA
BPSO
Market cap4.66bUSD
Apr 04, Last price  
9.45EUR
1D
-9.66%
1Q
17.98%
Jan 2017
202.11%
Name

Banca Popolare Di Sondrio SpA

Chart & Performance

D1W1MN
P/E
7.39
P/S
2.41
EPS
1.28
Div Yield, %
5.93%
Shrs. gr., 5y
-0.26%
Rev. gr., 5y
12.32%
Revenues
1.76b
+38.08%
-37,358,684559,613,000618,922,000527,149,000852,896,000710,791,000764,764,0001,053,689,0001,076,422,0001,148,629,0001,124,891,000933,164,0001,001,564,000944,547,000986,214,000883,207,0001,114,630,0001,158,337,0001,276,510,0001,762,635,000
Net income
575m
+24.67%
85,178,406122,228,000148,627,00043,605,000197,056,000135,149,00074,352,00034,306,00053,033,000115,203,000129,300,00098,599,000159,210,000110,804,000137,435,000106,597,000268,634,000251,321,000461,162,000574,942,000
CFO
-2.31b
L
-175,43761,59574,811,000-114,311,00092,263,000118,293,000167,962,00068,278,000126,457,00050,033,000-254,769,000635,641,00069,037,0004,034,103,000929,501,000331,520,0003,264,452,000344,510,0001,579,313,000-2,306,137,000
Dividend
May 19, 20250.8 EUR/sh
Earnings
May 05, 2025

Profile

Banca Popolare di Sondrio S.p.A., together with its subsidiaries, provides various banking products and services in Italy. The company offers current accounts, savings deposits, certificates of deposits, time deposit accounts, and bonds; and loans comprising foreign currency loans, artisan loans, agricultural loans, personal loans, and mortgage loans primarily to retail customers and SMEs. It also offers repurchase agreements, securities lending, custody and administration of securities, consultancy, individual portfolio management, guarantees, leasing, and factoring services. In addition, the company provides credit and debit cards, and insurance products, as well as collection and payment services; manages hotels; issues government securities and prime corporate bonds; and manages and maintains rented units. As of December 31, 2021, it operated 350 branches. The company was founded in 1871 and is headquartered in Sondrio, Italy.
URL
https://www.popso.it/
IPO date
Jan 01, 1991
Employees
Domiciled in
IT
Incorporated in
IT

Valuation

Title
EUR in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
1,762,635
38.08%
1,276,510
10.20%
1,158,337
3.92%
Cost of revenue
338,918
329,551
312,050
Unusual Expense (Income)
NOPBT
1,423,717
946,959
846,287
NOPBT Margin
80.77%
74.18%
73.06%
Operating Taxes
265,788
199,122
102,569
Tax Rate
18.67%
21.03%
12.12%
NOPAT
1,157,929
747,837
743,718
Net income
574,942
24.67%
461,162
83.50%
251,321
-6.44%
Dividends
(126,948)
(90,463)
Dividend yield
4.78%
5.32%
Proceeds from repurchase of equity
26
523
BB yield
0.00%
-0.03%
Debt
Debt current
2,690,830
Long-term debt
139,363
3,797,835
Deferred revenue
14,867
Other long-term liabilities
(3,661,987)
Net debt
(7,539,251)
(19,875,700)
(4,634,481)
Cash flow
Cash from operating activities
(2,306,137)
1,579,313
CAPEX
(100,521)
(130,164)
Cash from investing activities
(71,184)
(198,446)
Cash from financing activities
(126,922)
(89,940)
FCF
8,079,537
(3,515,680)
(1,593,173)
Balance
Cash
3,738,224
4,920,177
6,990,689
Long term investments
3,801,027
15,094,886
4,132,457
Excess cash
7,451,119
19,951,238
11,065,229
Stockholders' equity
1,935,113
3,755,757
3,585,185
Invested Capital
54,693,469
53,966,008
56,896,807
ROIC
2.13%
1.35%
1.37%
ROCE
2.51%
1.64%
1.40%
EV
Common stock shares outstanding
447,552
453,386
449,744
Price
8.14
38.91%
5.86
55.03%
3.78
2.22%
Market cap
3,643,071
37.12%
2,656,841
56.28%
1,700,033
2.23%
EV
(3,896,166)
(17,218,845)
(2,934,444)
EBITDA
1,423,717
1,014,862
908,767
EV/EBITDA
Interest
1,027,928
875,070
153,491
Interest/NOPBT
72.20%
92.41%
18.14%