Banca Profilo S.p.A. Logo

Banca Profilo S.p.A.

PRO.MI

(3.2)
Stock Price

0,18 EUR

0.32% ROA

5.11% ROE

15.57x PER

Market Cap.

130.352.099,00 EUR

690.11% DER

7.85% Yield

7.79% NPM

Banca Profilo S.p.A. Stock Analysis

Banca Profilo S.p.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Banca Profilo S.p.A. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.82x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a minimal amount of debt (0%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Net Profit Growth

With a track record of consistent net profit growth over the past five years, this company presents a compelling investment opportunity due to its strong financial performance.

4 ROE

ROE in an average range (8.66%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.7%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

7 Assets Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

8 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

9 Dividend

The company's history of regular dividend distributions in the last three years showcases its ability to generate reliable income for shareholders.

10 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (1) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

Banca Profilo S.p.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Banca Profilo S.p.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Banca Profilo S.p.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Banca Profilo S.p.A. Revenue
Year Revenue Growth
2003 29.151.881
2004 27.340.000 -6.63%
2005 46.723.000 41.48%
2006 89.443.000 47.76%
2007 59.025.000 -51.53%
2008 -13.005.000 553.86%
2009 35.026.000 137.13%
2010 52.448.000 33.22%
2011 46.582.000 -12.59%
2012 57.689.000 19.25%
2013 58.340.000 1.12%
2014 58.977.000 1.08%
2015 63.734.000 7.46%
2016 54.108.000 -17.79%
2017 63.680.000 15.03%
2018 57.502.000 -10.74%
2019 74.718.000 23.04%
2020 62.024.000 -20.47%
2021 70.712.000 12.29%
2022 74.578.000 5.18%
2023 59.316.000 -25.73%
2023 124.122.000 52.21%
2024 158.528.000 21.7%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Banca Profilo S.p.A. Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Banca Profilo S.p.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 29.480.275
2004 36.021.000 18.16%
2005 51.290.000 29.77%
2006 40.710.000 -25.99%
2007 41.279.000 1.38%
2008 17.060.000 -141.96%
2009 16.109.000 -5.9%
2010 34.725.000 53.61%
2011 16.790.000 -106.82%
2012 11.922.000 -40.83%
2013 11.965.000 0.36%
2014 11.989.000 0.2%
2015 12.861.000 6.78%
2016 14.202.000 9.44%
2017 15.045.000 5.6%
2018 16.198.000 7.12%
2019 17.231.000 6%
2020 15.018.000 -14.74%
2021 16.490.000 8.93%
2022 17.383.000 5.14%
2023 37.684.000 53.87%
2023 19.348.000 -94.77%
2024 7.096.000 -172.66%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Banca Profilo S.p.A. EBITDA
Year EBITDA Growth
2003 19.814.004
2004 50.566.000 60.82%
2005 59.642.000 15.22%
2006 71.132.000 16.15%
2007 99.399.000 28.44%
2008 91.700.000 -8.4%
2009 7.542.000 -1115.86%
2010 9.880.000 23.66%
2011 14.893.000 33.66%
2012 15.538.000 4.15%
2013 16.061.000 3.26%
2014 14.650.000 -9.63%
2015 12.718.000 -15.19%
2016 4.676.000 -171.98%
2017 11.555.000 59.53%
2018 7.212.000 -60.22%
2019 14.603.000 50.61%
2020 14.684.000 0.55%
2021 18.520.000 20.71%
2022 18.316.000 -1.11%
2023 6.028.000 -203.85%
2023 -883.000 782.67%
2024 4.448.000 119.85%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Banca Profilo S.p.A. Gross Profit
Year Gross Profit Growth
2003 29.151.881
2004 27.340.000 -6.63%
2005 46.723.000 41.48%
2006 89.443.000 47.76%
2007 59.025.000 -51.53%
2008 -13.005.000 553.86%
2009 35.026.000 137.13%
2010 52.448.000 33.22%
2011 46.582.000 -12.59%
2012 57.689.000 19.25%
2013 58.340.000 1.12%
2014 58.977.000 1.08%
2015 63.734.000 7.46%
2016 54.108.000 -17.79%
2017 63.680.000 15.03%
2018 57.502.000 -10.74%
2019 74.718.000 23.04%
2020 62.024.000 -20.47%
2021 70.712.000 12.29%
2022 74.578.000 5.18%
2023 59.316.000 -25.73%
2023 124.122.000 52.21%
2024 58.364.000 -112.67%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Banca Profilo S.p.A. Net Profit
Year Net Profit Growth
2003 6.513.823
2004 12.805.000 49.13%
2005 24.197.000 47.08%
2006 17.367.000 -39.33%
2007 10.594.000 -63.93%
2008 -78.070.000 113.57%
2009 2.441.000 3298.28%
2010 3.977.000 38.62%
2011 -844.000 571.21%
2012 2.087.000 140.44%
2013 2.708.000 22.93%
2014 3.484.000 22.27%
2015 5.796.000 39.89%
2016 2.236.000 -159.21%
2017 5.224.000 57.2%
2018 1.255.000 -316.25%
2019 8.371.000 85.01%
2020 8.709.000 3.88%
2021 8.889.000 2.02%
2022 11.129.000 20.13%
2023 4.044.000 -175.2%
2023 12.123.000 66.64%
2024 12.360.000 1.92%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Banca Profilo S.p.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Banca Profilo S.p.A. Free Cashflow
Year Free Cashflow Growth
2003 12.204.000
2004 -14.199.000 185.95%
2005 10.728.000 232.35%
2006 15.809.000 32.14%
2007 17.525.000 9.79%
2008 7.275.000 -140.89%
2009 -113.381.000 106.42%
2010 32.598.000 447.82%
2011 -110.834.000 129.41%
2012 9.652.000 1248.3%
2013 -16.006.000 160.3%
2014 -48.589.000 67.06%
2015 27.206.000 278.6%
2016 1.014.000 -2583.04%
2017 29.847.000 96.6%
2018 152.433.000 80.42%
2019 2.811.000 -5322.73%
2020 24.635.000 88.59%
2021 -28.201.000 187.36%
2022 48.928.000 157.64%
2023 58.769.000 16.75%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Banca Profilo S.p.A. Operating Cashflow
Year Operating Cashflow Growth
2003 17.166.000
2004 -10.226.000 267.87%
2005 11.220.000 191.14%
2006 19.444.000 42.3%
2007 17.525.000 -10.95%
2008 8.547.000 -105.04%
2009 -112.975.000 107.57%
2010 34.401.000 428.41%
2011 -68.913.000 149.92%
2012 12.920.000 633.38%
2013 -8.229.000 257.01%
2014 -47.687.000 82.74%
2015 29.041.000 264.21%
2016 2.710.000 -971.62%
2017 31.562.000 91.41%
2018 157.228.000 79.93%
2019 3.179.000 -4845.83%
2020 26.814.000 88.14%
2021 -25.867.000 203.66%
2022 52.322.000 149.44%
2023 61.840.000 15.39%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Banca Profilo S.p.A. Capital Expenditure
Year Capital Expenditure Growth
2003 4.962.000
2004 3.973.000 -24.89%
2005 492.000 -707.52%
2006 3.635.000 86.46%
2007 0 0%
2008 1.272.000 100%
2009 406.000 -213.3%
2010 1.803.000 77.48%
2011 41.921.000 95.7%
2012 3.268.000 -1182.77%
2013 7.777.000 57.98%
2014 902.000 -762.2%
2015 1.835.000 50.84%
2016 1.696.000 -8.2%
2017 1.715.000 1.11%
2018 4.795.000 64.23%
2019 368.000 -1202.99%
2020 2.179.000 83.11%
2021 2.334.000 6.64%
2022 3.394.000 31.23%
2023 3.071.000 -10.52%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Banca Profilo S.p.A. Equity
Year Equity Growth
2003 63.719.240
2004 98.772.000 35.49%
2005 97.503.000 -1.3%
2006 105.324.000 7.43%
2007 104.990.000 -0.32%
2008 47.925.000 -119.07%
2009 163.707.000 70.73%
2010 169.823.000 3.6%
2011 124.768.000 -36.11%
2012 153.771.000 18.86%
2013 164.836.000 6.71%
2014 171.146.000 3.69%
2015 183.396.000 6.68%
2016 176.475.000 -3.92%
2017 181.899.000 2.98%
2018 171.320.000 -6.17%
2019 186.061.000 7.92%
2020 196.205.000 5.17%
2021 163.854.000 -19.74%
2022 160.552.000 -2.06%
2023 160.700.000 0.09%
2023 165.931.000 3.15%
2024 159.879.000 -3.79%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Banca Profilo S.p.A. Assets
Year Assets Growth
2003 1.783.157.241
2004 1.259.883.000 -41.53%
2005 1.768.496.000 28.76%
2006 2.089.678.000 15.37%
2007 2.401.993.000 13%
2008 2.362.025.000 -1.69%
2009 1.479.625.000 -59.64%
2010 1.978.193.000 25.2%
2011 1.771.806.000 -11.65%
2012 1.816.951.000 2.48%
2013 1.889.892.000 3.86%
2014 1.908.150.000 0.96%
2015 2.039.951.000 6.46%
2016 1.778.413.000 -14.71%
2017 1.691.528.000 -5.14%
2018 2.255.668.000 25.01%
2019 2.107.937.000 -7.01%
2020 1.846.388.000 -14.17%
2021 1.666.674.000 -10.78%
2022 1.887.540.000 11.7%
2023 2.069.872.000 8.81%
2023 2.139.101.000 3.24%
2024 2.625.905.000 18.54%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Banca Profilo S.p.A. Liabilities
Year Liabilities Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 2.314.100.000 100%
2009 1.315.918.000 -75.85%
2010 0 0%
2011 8.185.000 100%
2012 1.663.180.000 99.51%
2013 1.725.056.000 3.59%
2014 1.737.004.000 0.69%
2015 1.856.555.000 6.44%
2016 1.601.938.000 -15.89%
2017 1.509.629.000 -6.11%
2018 2.084.348.000 27.57%
2019 1.921.876.000 -8.45%
2020 1.650.183.000 -16.46%
2021 1.502.820.000 -9.81%
2022 1.726.988.000 12.98%
2023 0 0%
2023 1.973.170.000 100%
2024 2.466.026.000 19.99%

Banca Profilo S.p.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
0.16
Net Income per Share
0.01
Price to Earning Ratio
15.57x
Price To Sales Ratio
1.21x
POCF Ratio
107.73
PFCF Ratio
107.73
Price to Book Ratio
0.82
EV to Sales
10.31
EV Over EBITDA
-662.66
EV to Operating CashFlow
916.22
EV to FreeCashFlow
916.22
Earnings Yield
0.06
FreeCashFlow Yield
0.01
Market Cap
0,13 Bil.
Enterprise Value
1,11 Bil.
Graham Number
0.26
Graham NetNet
-3.56

Income Statement Metrics

Net Income per Share
0.01
Income Quality
0.14
ROE
0.05
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.71
EBT Per Ebit
0.99
Ebit per Revenue
0.11
Effective Tax Rate
0.29

Margins

Sales, General, & Administrative to Revenue
0.16
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.77
Operating Profit Margin
0.11
Pretax Profit Margin
0.11
Net Profit Margin
0.08

Dividends

Dividend Yield
0.08
Dividend Yield %
7.85
Payout Ratio
0
Dividend Per Share
0.02

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.01
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
51.96
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
7.02
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,18
Book Value per Share
0,24
Tangible Book Value per Share
0.23
Shareholders Equity per Share
0.24
Interest Debt per Share
1.76
Debt to Equity
6.9
Debt to Assets
0.42
Net Debt to EBITDA
-584.74
Current Ratio
0.47
Tangible Asset Value
0,15 Bil.
Net Current Asset Value
-1,86 Bil.
Invested Capital
-628786000
Working Capital
-0,69 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
8.46

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Banca Profilo S.p.A. Dividends
Year Dividends Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Banca Profilo S.p.A. Profile

About Banca Profilo S.p.A.

Banca Profilo S.p.A. provides various banking and financial services to private and institutional clients in Italy and internationally. It offers investment planning services; wealth planning, insurance, and foreign solutions; financing services; and trust services, including asset consolidation services. The company also provides investment management services, such as tailor made asset management and portfolio advisory services; and investment banking services comprising corporate finance and capital market advisory services. In addition, it offers trading in stocks and bonds, and analyzing derivative instruments and structured securities; collateralized funding solutions for electronic repurchase agreements; management of real estate portfolios; analysis and research services; and mobile banking services, as well as operates reserved investment clubs. The company was founded in 1988 and is based in Milan, Italy. Banca Profilo S.p.A. is a subsidiary of Arepo BP S.p.A.

CEO
Mr. Fabio Candeli C.F.A.
Employee
207
Address
Via Cerva, 28
Milan, 20122

Banca Profilo S.p.A. Executives & BODs

Banca Profilo S.p.A. Executives & BODs
# Name Age
1 Roberto Izzo
Head of Private Offering & Alternative Investments
70
2 Mr. Giorgio CardenĂ 
Head of Risk Management
70
3 Sara Zurini
Human Resources & Organization Manager
70
4 Marco Baga
Head of Investment Banking & Strategic Equity
70
5 Ms. Francesca Romana Sabatini
Head of Research & Investor Relations
70
6 Paolo Muselli
Deputy GM of Technologies & Projects and Chief Technology Officer
70
7 Lorenzo Fusca
Head of Wealth Management
70
8 Giorgio Tosetti Dardanelli
Compliance & Anti-Money Laundering Manager
70
9 Mr. Fabio Candeli C.F.A.
Chief Executive Officer, GM, Head of Digital Channels & Director
70
10 Giuseppe Penna
Head of Administration & Control and Financial Reporting Manager
70

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