profit from every €100 of sales.
€0€100
BPER Banca SpA
€13.38-0.65% today
+16.6% since Dec 19, 25
1-year low €10.471-year high €14.83
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay €15.29 for every €1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What BPER Banca SpA sold, what it kept, and what it did with the cash.
Sales went from €4.31 billion in 2022 to €6.97 billion in 2025, with €1.82 billion of profit last year.
SalesProfit
BPER Banca SpA handed back 38% of the cash it generated last year.
€1.1B
Free cash flow 2025€2.8B
Bought back its own shares–
Paid as dividends€1.1B
Cash vs. debt€13.2B vs. €24.9B
BPER Banca SpA vs. similar companies
BPER Banca SpA grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from €100 of sales | Sales growth a year | Price per €1 of profit |
|---|---|---|---|
| BPER Banca SpA | 15.3× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads BPER Banca SpA's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 4,314 | 5,875 | 5,988 | 6,974 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 1,449 | 1,519 | 1,403 | 1,818 | |
| 1.00 | 1.05 | 0.99 | 1.09 | |
| – | – | – | – | |
| – | – | – | – | |
| 33.6% | 25.9% | 23.4% | 26.1% |
Balance sheet
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 152,303 | 142,128 | 140,591 | 204,650 |
| Cash | 15,434 | 11,196 | 8,992 | 13,176 |
| Total debt | 10,024 | 17,964 | 19,869 | 24,870 |
| Total liabilities | 144,182 | 132,563 | 129,027 | 187,054 |
| 7,940 | 9,366 | 11,354 | 16,565 | |
| 1,448 | 1,450 | 1,416 | 1,670 | |
| – | – | – | – | |
| 18.2% | 16.2% | 12.4% | 11.0% |
Cash flow
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 12,794 | -3,420 | -2,495 | 3,122 | |
| 335 | 382 | 358 | 312 | |
| 12,459 | -3,801 | -2,853 | 2,810 | |
| Dividends paid | 91 | 181 | 448 | 1,077 |
| – | – | – | – | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 15.3×
- –
- 5.18
- 1.6×
- 4.0×
- 6.5%
- 3.9%
Profitability
- 26.1%
- –
- –
- –
- –
Growth
- +17.4%
- +3.0%
- –
- +4.9%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 44%of 876
Top 26%of 879
Top 26%of 926
3.9%of the share price, paid each year
On $1,000 invested$39a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
59.2% of its profit
Room to growStretchedMore than it earns: 38.3%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about BPER Banca SpA
Is BPER Banca SpA a good stock to buy?
A strong, very profitable business at a fair price. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the BPER Banca SpA AI analysis
What does BPER Banca SpA do?
BPER Banca SpA engages in the provision of banking products and services for individuals, and businesses and professionals in Italy and internationally. It is in Banks - Regional, based in Modena, MO, Italy, with 22,964 employees.
Does BPER Banca SpA pay a dividend?
Yes. At today's price the dividend is 3.9% a year, about 59% of its yearly profit. In 2025 it paid out €1.08 billion in dividends.
Is BPER Banca SpA stock halal?
No. BPER Banca SpA does not pass our halal screen: its main business, banking, is not permitted. How we check
Who are BPER Banca SpA's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with BPER Banca SpA's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.