BCA POP SONDRIOBCA POP SONDRIOB

BCA POP SONDRIO

11.840EURD
−0.420−3.43%
At close at 16:56 GMT
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BPSO fundamentals

Key facts

Market capitalization‪5.51 B‬EUR
Founded1871
Employees (FY)‪3.73 K‬
CEOMario Alberto Pedranzini
Websitepopso.it
About

Banca Popolare di Sondrio SPA engages in the provision of banking, financial, and insurance services. It operates through the following segments: Businesses, Individuals & Other Customers, Securities and Central Functions. The Businesses segment comprises the credit and loans, deposits, leasing and payment services, and currency transactions with resident and non-resident customers of non-financial companies and families. The Individuals and Other Customers segment deals with the transactions of consumer households, public administrations, finance companies and non-profit organizations which include deposits, savings, long-term loans and consumer credits, collections and payments, credit and debit cards, and other ancillary functions. The Securities segment specializes in direct trading, placement of financial instruments, insurance and pension productions, and management of portfolios. The Central Functions segment handles the portfolio management of one's own securities and equity investments, currency transactions on own account, and treasury management activities. Banca Popolare di Sondrio was founded on March 4, 1871 and is headquartered in Sondrio, Italy.

Ownership
‪‪449.79 M‬‬
Free Float shares
‪‪350.38 M‬‬ (77.9%)
Closely held shares
‪‪99.41 M‬‬ (22.1%)
Free Float shares
‪‪350.38 M‬‬ (77.9%)
Closely held shares
‪‪99.41 M‬‬ (22.1%)
Capital structure
Market cap
‪‪5.51 B‬‬
Debt
‪‪10.77 B‬‬
Minority interest
‪‪14.00 K‬‬
Cash & equivalents
‪‪1.95 B‬‬
Enterprise value
‪‪14.33 B‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪5.51 B‬‬
Price to earning ratio (P/E)
9.11x
Price to sales ratio (P/S)
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
9.11x
Price to sales ratio (P/S)
Valuation ratios
‪0.00‬
‪0.35‬
‪0.70‬
‪1.05‬
‪1.40‬
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪2.10‬
‪4.20‬
‪6.30‬
‪8.40‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪15.0%‬
‪18.5%‬
‪22.0%‬
‪25.5%‬
‪29.0%‬
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪‪200.00 M‬‬
‪‪400.00 M‬‬
‪‪600.00 M‬‬
‪‪800.00 M‬‬
Total revenue
Net income
Net margin %
Revenue to profit conversion
Total revenue
Int. expense & PCL
Non-int. expense
Op income
Unusual income/ expense
Pretax income
Taxes & Other
Net income
‪0.00‬
‪‪160.00 M‬‬
‪‪320.00 M‬‬
‪‪480.00 M‬‬
‪‪640.00 M‬‬
Total revenue
Int. & Non-int. expenses
Op income
Expenses & adjustments
Net income
‪0.00‬
‪‪160.00 M‬‬
‪‪320.00 M‬‬
‪‪480.00 M‬‬
‪‪640.00 M‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2024
Central Functions
Corporate
Individuals and Customers
Securities
By country
Period: 2024
Italy
Switzerland

Estimates

Revenue and Earnings forecasts and estimates accuracy

Revenue
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪‪110.00 M‬‬
‪‪220.00 M‬‬
‪‪330.00 M‬‬
‪‪440.00 M‬‬
Actual
Estimate
Earnings
Next:Feb 10, 2026
2021
2022
2023
2024
2025
‪0.00‬
‪0.35‬
‪0.70‬
‪1.05‬
‪1.40‬
Actual
Estimate

Dividends

Dividend yield, history and sustainability

Dividend summary
59.46%
Earnings retained
Payout ratio (TTM)
Dividend yield TTM
6.53%
Last payment
0.80
Last ex-date
May 19, 2025
Last pay date
May 21, 2025
Dividend history
‪2.5%‬
‪4.5%‬
‪6.5%‬
‪8.5%‬
‪10.5%‬
2020
2021
2022
2023
2024
‪0.00‬
‪0.20‬
‪0.40‬
‪0.60‬
‪0.80‬
Dividends per share (FY)
Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Loans and customer deposits
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪‪−16.00 B‬‬
‪0.00‬
‪‪16.00 B‬‬
‪‪32.00 B‬‬
‪‪48.00 B‬‬
Net loans
Total deposits
Loan loss allowances
Capital adequacy analysis
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪5.00‬
‪10.00‬
‪15.00‬
‪20.00‬
Common equity Tier 1 ratio
Tier 1 capital ratio
Total capital ratio