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BNCZF

Banco BPM S.p.A.

USD

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Price alert · BNCZF

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18.22 USD 0.00 0.00%
As of Oct 29, 2026
17.05 Day range 17.05
13.44 52-week range 20.44
YTD
+16.05%
1 year
+28.31%
Open
17.05
Prev close
18.22
Mkt cap
27.43B
Vol
100
Avg vol
8
EPS
1.48
P/E
12.31
More statistics
Low
17.05
High
17.05

5D chart

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Financial health

Altman Z-Score

0.18 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

2 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 1
  • P/E 4
  • P/B 2

Valuation

P/E 9.6×
FY 2016: -1.2×FY 2017: 1.9×FY 2018: -55.9×FY 2019: 3.3×FY 2020: 140×FY 2021: 7.5×FY 2022: 6.8×FY 2023: 6.1×FY 2024: 6.2×FY 2025: 9.6×
FY 2016 5y median 6.8× FY 2025
P/S 2.0×
FY 2016: 0.5×FY 2017: 0.7×FY 2018: 0.6×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 0.9×FY 2022: 0.9×FY 2023: 0.9×FY 2024: 1.2×FY 2025: 2.0×
FY 2016 5y median 0.9× FY 2025
P/B 1.2×
FY 2016: 0.3×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.4×FY 2023: 0.6×FY 2024: 0.8×FY 2025: 1.2×
FY 2016 5y median 0.6× FY 2025
P/FCF 3.9×
FY 2016: -0.4×FY 2017: -29.3×FY 2018: -91.7×FY 2019: -7.2×FY 2020: 0.4×FY 2021: 0.2×FY 2022: -0.3×FY 2023: 1.4×FY 2024: -2.5×FY 2025: 3.9×
FY 2016 5y median 0.2× FY 2025
EV/EBITDA 13.8×
FY 2016: -12.1×FY 2017: 7.6×FY 2018: -29458×FY 2019: 11.3×FY 2020: 43.6×FY 2021: -20.7×FY 2022: 4.8×FY 2023: 5.8×FY 2024: 8.4×FY 2025: 13.8×
FY 2016 5y median 5.8× FY 2025
EV/Sales 4.8×
FY 2016: 6.1×FY 2017: 3.2×FY 2018: 3.4×FY 2019: 2.4×FY 2020: 0.5×FY 2021: -4.0×FY 2022: 1.2×FY 2023: 1.3×FY 2024: 2.3×FY 2025: 4.8×
FY 2016 5y median 1.3× FY 2025
FCF Yield 25.5%
FY 2016: -272.4%FY 2017: -3.4%FY 2018: -1.1%FY 2019: -13.8%FY 2020: 285.6%FY 2021: 449.8%FY 2022: -348.4%FY 2023: 73.3%FY 2024: -39.4%FY 2025: 25.5%
FY 2016 5y median 25.5% FY 2025

Profitability

Gross Margin 70.5%
FY 2016: 73.2%FY 2017: 87.1%FY 2018: 89.3%FY 2019: 90.3%FY 2020: 89.8%FY 2021: 91.4%FY 2022: 88.7%FY 2023: 63.9%FY 2024: 66.0%FY 2025: 70.5%
FY 2016 5y median 70.5% FY 2025
Operating Margin 30.9%
FY 2016: -62.8%FY 2017: 23.7%FY 2018: -5.1%FY 2019: 15.9%FY 2020: -5.5%FY 2021: 13.7%FY 2022: 19.0%FY 2023: 20.1%FY 2024: 25.1%FY 2025: 30.9%
FY 2016 5y median 20.1% FY 2025
Net Margin 22.5%
FY 2016: -44.8%FY 2017: 36.4%FY 2018: -1.1%FY 2019: 14.9%FY 2020: 0.5%FY 2021: 11.9%FY 2022: 12.9%FY 2023: 14.3%FY 2024: 18.6%FY 2025: 22.5%
FY 2016 5y median 14.3% FY 2025
ROE 13.4%
FY 2016: -22.2%FY 2017: 22.0%FY 2018: -0.6%FY 2019: 6.7%FY 2020: 0.2%FY 2021: 4.3%FY 2022: 5.3%FY 2023: 9.0%FY 2024: 13.1%FY 2025: 13.4%
FY 2016 5y median 9.0% FY 2025
ROIC 1.0%
FY 2016: -2.8%FY 2017: 2.3%FY 2018: -0.1%FY 2019: 1.1%FY 2020: 0.0%FY 2021: 0.7%FY 2022: 0.9%FY 2023: 1.6%FY 2024: 2.2%FY 2025: 1.0%
FY 2016 5y median 1.0% FY 2025
ROA 1.0%
FY 2016: -1.4%FY 2017: 1.6%FY 2018: -0.0%FY 2019: 0.5%FY 2020: 0.0%FY 2021: 0.3%FY 2022: 0.4%FY 2023: 0.6%FY 2024: 1.0%FY 2025: 1.0%
FY 2016 5y median 0.6% FY 2025

Growth (YoY)

Revenue -10.4%
FY 2016: -25.9%FY 2017: 91.1%FY 2018: -25.8%FY 2019: 0.2%FY 2020: -15.8%FY 2021: 6.4%FY 2022: 10.7%FY 2023: 67.1%FY 2024: 16.9%FY 2025: -10.4%
FY 2016 FY 2025
Operating Income 10.2%
FY 2016: -774.8%FY 2017: 172.0%FY 2018: -116.1%FY 2019: 410.1%FY 2020: -129.5%FY 2021: 362.2%FY 2022: 53.7%FY 2023: 76.9%FY 2024: 46.0%FY 2025: 10.2%
FY 2016 FY 2025
EPS (diluted) 8.6%
FY 2016: -336.8%FY 2017: 184.0%FY 2018: -102.3%FY 2019: 1459.0%FY 2020: -98.1%FY 2021: 3700.0%FY 2022: 18.4%FY 2023: 86.7%FY 2024: 52.4%FY 2025: 8.6%
FY 2016 FY 2025
Free Cash Flow 199.0%
FY 2016: -300.3%FY 2017: 96.9%FY 2018: 78.7%FY 2019: -917.0%FY 2020: 2120.9%FY 2021: 164.0%FY 2022: -182.1%FY 2023: 135.6%FY 2024: -184.7%FY 2025: 199.0%
FY 2016 FY 2025

Financial Health

Current Ratio 10.2×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 10.2×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 10.2×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 10.2×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 2.0×
FY 2016: 3.2×FY 2017: 1.8×FY 2018: 1.7×FY 2019: 1.6×FY 2020: 1.4×FY 2021: 1.2×FY 2022: 1.3×FY 2023: 1.7×FY 2024: 1.6×FY 2025: 2.0×
FY 2016 5y median 1.6× FY 2025
Net Debt / EBITDA 8.0×
FY 2016: -11.1×FY 2017: 6.0×FY 2018: -24040×FY 2019: 9.0×FY 2020: -4.8×FY 2021: -25.3×FY 2022: 1.3×FY 2023: 2.0×FY 2024: 4.1×FY 2025: 8.0×
FY 2016 5y median 2.0× FY 2025
Interest Coverage 1.2×
FY 2016: -2.3×FY 2017: 1.8×FY 2018: -0.5×FY 2019: 1.6×FY 2020: -0.5×FY 2021: 1.6×FY 2022: 1.7×FY 2023: 0.6×FY 2024: 0.7×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025

Dividends

Dividend Yield 8.5%
FY 2016: 3.1%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 2.1%FY 2022: 6.3%FY 2023: 4.5%FY 2024: 11.8%FY 2025: 8.5%
FY 2016 5y median 6.3% FY 2025
Payout Ratio 76.8%
FY 2016: -3.6%FY 2017: 0.0%FY 2018: -0.3%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 15.9%FY 2022: 42.1%FY 2023: 27.6%FY 2024: 75.4%FY 2025: 76.8%
FY 2016 5y median 42.1% FY 2025

Annual · latest fiscal year ends 2025-12-31