BPER Banca SpA
BPER Banca SpA is a financial institution operating in the banking sector, generating revenue through interest income and fee-based services, as indicated by its sector classification classification as a Bank within the Financials sector.
Business. BPER Banca SpA (EMII.MI) is a company engaged in the exploration and production of oil and gas. The firm operates within the Oil & Gas industry, specifically focusing on exploration and production activities. It is headquartered in Italy and is primarily listed on the Borsa Italiana. No specific operating segments or geographic breakdowns are provided in the available data.
Analyst recommendations
11 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
BPER Banca SpA (EMII.MI) is a company engaged in the exploration and production of oil and gas. The firm operates within the Oil & Gas industry, specifically focusing on exploration and production activities. It is headquartered in Italy and is primarily listed on the Borsa Italiana. No specific operating segments or geographic breakdowns are provided in the available data.
BPER Banca SpA maintains a capital structure characterized by a debt-to-equity ratio of 2.32, reflecting significant leverage typical of banking operations where customer deposits constitute liabilities. The company holds total assets of EUR 204.65 billion against total liabilities of EUR 188.08 billion, resulting in total equity of EUR 16.57 billion. Liquidity is assessed as medium risk, with operating cash flow standing at EUR 3.12 billion and free cash flow at EUR 865.02 million. The balance sheet shows negative net cash after subtracting total debt, which includes long-term debt of EUR 38.47 billion.
Profitability metrics indicate a return on equity (ROE) of 10.98% and a return on assets (ROA) of 0.89%. The company generated net income of EUR 1.82 billion on revenue of EUR 3.81 billion, yielding a net margin of approximately 47.7%. While specific cohort medians are not provided for direct comparison, the ROE suggests moderate efficiency in generating profits from shareholder equity. The valuation snapshot shows a price-to-earnings ratio of 14.07 and a price-to-book ratio of 1.54, indicating the market values the company at a premium to its book value.
- BPER Banca SpA trades at a P/E of 14.07 and P/B of 1.54, with an ROE of 10.98%.
- The company holds EUR 204.65 billion in assets and EUR 16.57 billion in equity, with a debt-to-equity ratio of 2.32.
- Analysts maintain a positive outlook with a mean price target of EUR 14.49 and a mean recommendation of 2.00.
- Risk assessment flags medium liquidity and dilution risks, with negative net cash after debt subtraction.
- Classification data contains conflicting signals, labeling the company as Oil & Gas while sector classification codes identify it as a Bank.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Revenue €3.81B, +12,8% YoY; Net income +29,6% YoY.
- ▍Revenue €3.81B, +12,8% YoY
- ▍Net income +29,6% YoY
- ▍Free cash flow −9,8% YoY
- ▍Net margin 47.7%
Revenue €3.38B; Net margin 41.5%.
- ▍Revenue €3.38B
- ▍Net margin 41.5%
Valuation FY
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 1,14 |
| Revenue | —no estimate | —no estimate | 7,6B EUR |
| Operating income | —no estimate | —no estimate | 4,3B EUR |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
- Source documents mention dilution or offering risk.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
- Reference data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Price To Earningsmarket_price / (net_income / shares_outstanding_diluted)
- Return On Equitynet_income / total_equity
- Capex To Revenuecapital_expenditure / revenue
- Market Capmarket_price * shares_outstanding_diluted
- Enterprise Valuemarket_cap - net_cash
- Return On Assetsnet_income / total_assets
- BPER Banca SpA Market data — financials · 2026-07-13
- BPER Banca SpA Market data — analyst estimates · 2026-07-13
- BPER Banca SpA Market data — ESG · 2026-07-13
- BPER Banca SpA — company reference export (2026-07-05) · 2026-07-13
Ownership & reference
Leadership
- Gianni Franco PapaChief Executive Officer, Executive Director