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Italian regional bank offering retail and corporate banking, insurance and wealth management, recently expanded via acquiring Banca Popolare di Sondrio.
Italian regional bank offering retail and corporate banking, insurance and wealth management, recently expanded via acquiring Banca Popolare di Sondrio.
Earns mainly from interest on loans to households and small businesses and from fees, and sells insurance through its branches. The insurer Unipol is its largest shareholder. Its absorption of Banca Popolare di Sondrio extends its reach in northern Italy.
In one line: An Italian regional bank, like a Regions Financial/US Bancorp-lite.
Moat: narrow (scale, distribution, customer relationships). Growing branch network after absorbing Banca Popolare di Sondrio, but still a regional player versus UniCredit/Intesa.
Headquarters: Modena, Italy · Founded: 1867 · Employees: 20,101
Size BPER Banca (BPE.MI) is an Italy Financials company (Major Banks) with a market value of $30.4B, the 11th largest of 123 Italy companies the cockpit tracks. Shares closed at €12.91 on 6 Nov 2026.
Performance Over six months the shares gained 1.8%, against +2.6% for the median peer and +3.1% for the Italy market (cap-weighted) — 10th lowest of 21 in its peer set.
Growth Revenue grew 15.2% over the last twelve months (peer median +4.6%); the operating margin is 43.1% (peer median 35.6%).
Valuation It trades at 1.49× book value against a peer median of 1.24× (8th most expensive of 21).
Price implies The share price implies a return on equity of about 18.6%; BPER Banca delivers 14.9%, so the price asks more than the business earns today.
Next results Next results expected around 10 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | €8.72B | €8.48B | €7.63B | €7.29B | €5.07B |
| Revenue growth | — | +11% | +5% | +44% | — |
| Net income | €2.19B | €1.82B | €1.40B | €1.52B | €1.45B |
| Free cash flow | n/a | €8.93B | -€387M | -€15.3B | -€25.8B |
| Capital expenditure | n/a | €312M | €358M | €382M | €335M |
| Total debt | €39.9B | €39.1B | €23.4B | €24.9B | €29.6B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| BPER Banca BPE.MI | $30.4B | +2% | +15% | 15% | 1.49× | 18.6% |
| Intesa Sanpaolo ISP.MI | $120B | +6% | -6% | 16% | 1.81× | 20.7% |
| UniCredit UCG.MI | $130B | +6% | +2% | 17% | 1.77× | 25.8% |
| Banco BPM BAMI.MI | $22.8B | +1% | -4% | 12% | 1.30× | 13.5% |
| Credito Emiliano CE.MI | $7.48B | +26% | -2% | 12% | 1.41× | 13.1% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | BPE.MI | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -2.3% | +0.5% | 8th lowest of 21 |
| 6-month return | +1.8% | +2.6% | 10th lowest of 21 |
| Return on equity | 14.9% | 11.6% | 3rd highest of 21 |
| Price / book | 1.49× | 1.24× | 8th most expensive of 21 |
| Trailing P/E | 11.8× | 11.8× | 10th most expensive of 20 |
| ROE the price implies | 18.6% | 7.5% | 2nd most demanding of 21 |
| ROE delivered | 14.9% | 12.1% | 3rd highest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| BPER Banca BPE.MI | Italy | $30.4B | +2% | +15% | 15% | 1.49× | 18.6% | 14.9% |
| Huntington Bancshares HBAN | United States | $31.2B | -3% | +24% | 9% | 1.06× | 10.2% | 9.1% |
| ShinhanGroup 055550.KS | South Korea | $29.2B | -13% | +32% | 9% | 0.78× | 5.2% | n/a |
| Svenska Handelsbanken SHB-A.ST | Sweden | $32.6B | +23% | -14% | 12% | 1.68× | 9.0% | 12.2% |
| Credicorp BAP | United States | $27.6B | +5% | +24% | 21% | 2.47× | 17.9% | 20.6% |
| Banco Bradesco SA Sponsored ADR Pfd BBD | United States | $27.5B | -32% | +29% | 14% | 0.71× | 6.2% | 14.2% |
| Sumitomo Mitsui Trust Gp 8309.T | Japan | $27.4B | +38% | +5% | 11% | 1.18× | 7.5% | 10.9% |
| Ping An Bank 000001.SZ | China | $34.4B | +3% | -9% | 9% | 0.48× | 3.6% | 9.0% |
| China Everbright Bank 6818.HK | Hong Kong | $26.6B | -10% | -3% | 5% | 0.28× | 3.9% | 5.5% |
| Citizens Financial CFG | United States | $26.5B | -1% | +4% | 9% | 1.16× | 11.5% | 8.9% |
| PKO Bank Polski PKO.WA | Poland | $36.5B | +18% | -2% | 20% | 2.56× | 31.9% | 20.1% |
| E Sun Financial 2884.TW | Taiwan | $25.2B | +55% | +36% | 15% | 2.70× | 7.6% | 14.7% |
| Regions Financial RF | United States | $24.1B | +2% | +1% | 12% | 1.46× | 13.2% | 12.4% |
| Mega Financial 2886.TW | Taiwan | $24.0B | +37% | +1% | 10% | 1.97× | 5.9% | 10.0% |
| Bank of Nanjing 601009.SS | China | $22.8B | +5% | +6% | 12% | 0.77× | 2.8% | 11.9% |
| Banco BPM BAMI.MI | Italy | $22.8B | +1% | -4% | 12% | 1.30× | 13.5% | 12.5% |
| Hanafinancialgr 086790.KS | South Korea | $22.5B | -7% | +39% | 10% | 0.79× | 5.3% | n/a |
| KeyCorp KEY | United States | $22.0B | -3% | +9% | 11% | 1.39× | 13.1% | 11.2% |
| China Minsheng Banking 1988.HK | Hong Kong | $21.9B | -13% | -5% | 4% | 0.20× | 3.8% | 4.2% |
| Danske Bank A/S DANSKE.CO | Denmark | $42.4B | +11% | +8% | 14% | 1.68× | 6.1% | 14.1% |
| Skandinaviska Enskilda Banken SEB-A.ST | Sweden | $42.9B | +20% | -8% | 14% | 1.80× | 9.5% | 13.5% |