Banco BPM S.p.A. (BAMI.MI) stock analysis

In our weekly check, Banco BPM S.p.A. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 3, red flags: 5.

About Banco BPM S.p.A.

Banco BPM S.p.A. is a Financial Services company (Banks - Regional) based in Italy, listed on MIL as BAMI.MI.

What our checks show for BAMI.MI

Red flags

• The gross margin fell by 12.5 points, to 79%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 21.8% a year.
• The stock has fallen as much as 99% from a peak. Would you have held through that?
• Return on capital (ROCE) is only 2%.

Warning signs

• Analysts expect earnings per share to shrink about 9% a year.
• The stock is still below its previous peak.

Strengths

• The net margin rose by 6 points over 5 years, to 17.9%.
• Operating cash flow is 2.19x net profit: the profit arrives as real cash.
• Analysts expect the net margin to improve by 14.9 points from today's 17.9%.
• Revenue grew 32.9% a year over the last 3 years.
• Earnings per share grew 61.3% a year over the last 3 years.
• Net profit grew 48.2% a year over the last 3 years.

Next earnings report: 2026-11-05

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Questions

What grade does Banco BPM S.p.A. (BAMI.MI) have?

In our weekly check, Banco BPM S.p.A. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 3, red flags: 5. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of BAMI.MI stock?

This week's biggest flags for Banco BPM S.p.A.: Gross margin falling, Weak revenue forecast, Deep past fall. In total 8 of 25 checks show a warning or a red flag.

What does Banco BPM S.p.A. do?

Banco BPM S.p.A. is a Financial Services company (Banks - Regional) based in Italy, listed on MIL as BAMI.MI.

When does Banco BPM S.p.A. report earnings next?

The next earnings report is expected on 2026-11-05. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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