BPER Banca S.p.A. (BPE.MI) stock analysis

In our weekly check, BPER Banca S.p.A. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 2, red flags: 7.

About BPER Banca S.p.A.

BPER Banca S.p.A. is a Financial Services company (Banks - Regional) based in Italy, listed on MIL as BPE.MI.

What our checks show for BPE.MI

Red flags

• The gross margin fell by 11.2 points, to 82.3%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 3.4% a year.
• The stock has fallen as much as 92% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 5.4 years.
• The share count grew by 38.8% in 2 years: each shareholder owns a smaller slice.
• Return on capital (ROCE) is only 1.6%.

Warning signs

• Earnings per share fell 3.3% a year over the last 3 years.

Strengths

• The net margin rose by 6.8 points over 5 years, to 20.1%.
• Operating cash flow is 4.96x net profit: the profit arrives as real cash.
• Analysts expect earnings per share to grow about 14.8% a year over the next years.
• Analysts expect the net margin to improve by 14 points from today's 20.1%.
• Revenue grew 24% a year over the last 3 years.
• The company keeps 20.1% of its revenue as net profit.

Next earnings report: 2026-11-05

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Questions

What grade does BPER Banca S.p.A. (BPE.MI) have?

In our weekly check, BPER Banca S.p.A. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 2, red flags: 7. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of BPE.MI stock?

This week's biggest flags for BPER Banca S.p.A.: Gross margin falling, Weak revenue forecast, Deep past fall. In total 9 of 25 checks show a warning or a red flag.

What does BPER Banca S.p.A. do?

BPER Banca S.p.A. is a Financial Services company (Banks - Regional) based in Italy, listed on MIL as BPE.MI.

When does BPER Banca 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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