BPER Banca SpA stock | Growth outlook for 2026 & price target

BPER Banca SpA

BIT:BPE

€ 10,38

€-0,13 (-1,24%)

10,38 €

€-0,13 (-1,24%)

End-of-day quote: 12/05/2025

BPER Banca SpA Stock Value

The current analyst rating for BIT:BPE is Buy.

Buy

BPER Banca SpA Company Info

EPS Growth 5Y

5,56%

Market Cap

€20,63 B

Long-Term Debt

€20,34 B

Annual earnings

02/06/2026

Dividend

€0,59

Dividend Yield

5,71%

Founded

1867

Industry

Financials

Country

Italy

Website

BPER Banca SpA

ISIN Number

IT0000066123

Website

http://www.bper.it

Analyst Price Target

€12,00

15.61%

Last Update: 12/05/2025

Analysts: 10

Highest Price Target €12,50

Average Price Target €12,00

Lowest Price Target €11,20

In the last five quarters, BPER Banca SpA’s Price Target has risen from €3,28 to €6,97 - a 112,50% increase. Eight analysts predict that BPER Banca SpA’s share price will increase in the coming year, reaching €12,00. This would represent an increase of 15,61%.

Top growth stocks in the financials sector (5Y.)

What does BPER Banca SpA do?

BPER Banca SpA provides banking products and services for individuals, and businesses and professionals. The company is a prominent banking institution, providing a comprehensive range of financial services and products to meet the diverse needs of its clientele. The company operates primarily in the banking sector, focusing on commercial banking activities, which encompass retail banking, corporate banking, and investment services. The company is characterized by its robust organizational struc...

The company offers a wide array of financial products, including current accounts, savings accounts, loans, mortgages, and investment services. It serves a diverse customer base, including private individuals, small and medium-sized enterprises (SMEs), and large corporations. The company’s commitment to customer satisfaction is reflected in its continuous efforts to enhance its service offerings and improve the overall banking experience.

The company’s strategic focus is on digital transformation, aiming to leverage technology to streamline operations and enhance customer engagement. By investing in innovative solutions, the company seeks to provide its customers with seamless access to banking services, thereby fostering long-term relationships and loyalty.

In addition to its traditional banking services, the company is actively involved in asset management and wealth management, offering clients personalized investment strategies and portfolio management services. The company collaborates with various financial institutions to provide a diverse range of investment products, including mutual funds, pension funds, and structured products.

The company also places a strong emphasis on corporate social responsibility, operates in various initiatives aimed at promoting sustainable development and supporting local communities. The company’s commitment to sustainability is evident in its efforts to integrate environmental, social, and governance (ESG) considerations into its business practices.

Overall, the company stands out as a leading financial institution in Italy, distinguished by its comprehensive service offerings, customer-centric approach, and commitment to innovation and sustainability.

Business Segments

The company operates through several key business segments, each designed to cater to the specific needs of its diverse clientele. The primary segments include Retail Banking, Corporate Banking, Wealth Management, and Investment Services.

Retail Banking

This segment focuses on providing banking services to individual customers and small businesses. The offerings include current and savings accounts, personal loans, mortgages, and credit cards. The company continually updates its product offerings to align with market trends and customer preferences. For instance, the introduction of the Offerta On Demand for current accounts allows customers to customize their banking experience based on individual needs. Additionally, the company has been enhancing its digital banking services, providing customers with convenient online access to manage their accounts and conduct transactions.

Corporate Banking

The company serves medium and large enterprises through its Corporate Banking segment, offering a wide range of financial products tailored to business needs. Services include business loans, credit facilities, cash management solutions, and trade finance. The company aims to support businesses in achieving their financial goals by providing expert advice and customized financial solutions. Furthermore, the company actively operates in corporate finance activities, assisting companies with mergers and acquisitions and capital raising.

Wealth Management

The Wealth Management segment focuses on providing high-net-worth individuals and families with personalized investment strategies and portfolio management services. The company offers a range of investment products, including mutual funds, structured products, and alternative investments. The company’s approach to wealth management emphasizes understanding clients' unique financial goals and risk tolerance, enabling it to deliver tailored investment solutions that align with their objectives.

Investment Services

The company provides investment services that encompass trading and brokerage activities, asset management, and advisory services. The company offers clients access to various financial markets, enabling them to invest in equities, bonds, and other financial instruments. Through its partnerships with leading asset management firms, the company expands its investment offerings, ensuring clients have access to high-quality investment products.

Through these segments, the company aims to create value for its customers while maintaining a strong focus on risk management and regulatory compliance. The company’s diverse service offerings and commitment to customer satisfaction position it as a leading player in the Italian banking sector.

Business Strategy

The company business strategy is centered around several core principles aimed at fostering growth, enhancing customer satisfaction, and promoting sustainability. The company recognizes the importance of adapting to the evolving financial landscape and is committed to continuous improvement across all areas of its operations.

One of the key pillars of the company’s strategy is digital transformation. The company aims to leverage technology to enhance its service delivery and operational efficiency. By investing in digital banking solutions, the company seeks to provide customers with seamless access to banking services, enabling them to manage their finances conveniently. The introduction of user-friendly mobile applications and online banking platforms reflects the company’s commitment to meeting the needs of tech-savvy customers.

Another crucial aspect of the company’s strategy is customer-centricity. The company places a strong emphasis on understanding the unique needs of its customers and tailoring its products and services accordingly. The company actively seeks feedback from clients to improve its offerings and ensure high levels of customer satisfaction. This focus on customer engagement is expected to foster long-term relationships and drive customer loyalty.

The company is committed to integrating environmental, social, and governance (ESG) considerations into its business practices. By promoting sustainable finance initiatives and supporting local communities, the company aims to contribute positively to society while enhancing its reputation as a socially responsible institution.

Furthermore, the company is focused on expanding its market presence through strategic partnerships and collaborations. By leveraging synergies with other financial institutions and industry players, the company aims to enhance its service offerings and reach a broader customer base. This strategic approach is expected to strengthen the company’s competitive position in the market.

In summary, the company’s business strategy is characterized by a strong commitment to digital innovation, customer satisfaction, sustainability, and strategic partnerships. By aligning its operations with these principles, the company aims to achieve long-term growth and success in the dynamic banking landscape.

Products and Services

The company offers a comprehensive range of products and services designed to meet the diverse needs of its customers. The offerings are categorized into several key areas, including Retail Banking, Corporate Banking, Wealth Management, and Investment Services.

Retail Banking

The company provides a variety of banking products tailored for individual customers and small businesses. This includes traditional current and savings accounts, personal loans, mortgages, and credit cards. The company continuously updates its product offerings to ensure they align with market trends and customer preferences. The company has introduced innovative solutions such as the Offerta On Demand for current accounts, allowing customers to customize their banking experience based on individual needs.

Corporate Banking

The company serves medium and large enterprises through its Corporate Banking segment. The company offers a range of financial products, including business loans, credit facilities, cash management solutions, and trade finance services. The company aims to support businesses in achieving their financial goals by providing expert advice and customized financial solutions.

Wealth Management

The Wealth Management segment focuses on providing high-net-worth individuals and families with personalized investment strategies and portfolio management services. The company offers a range of investment products, including mutual funds, structured products, and alternative investments. The company’s approach emphasizes understanding clients' unique financial goals and risk tolerance, enabling it to deliver tailored investment solutions.

Investment Services

The company provides investment services encompassing trading and brokerage activities, asset management, and advisory services. Clients have access to various financial markets, enabling them to invest in equities, bonds, and other financial instruments. The company collaborates with leading asset management firms to expand its investment offerings, ensuring clients have access to high-quality investment products.

Overall, the company’s diverse range of products and services positions it as a leading financial institution in Italy, capable of meeting the needs of a broad customer base.

Geographical Markets Served

The company operates primarily in Italy, where it has established a strong presence in the banking sector. The company serves a diverse customer base across various regions, providing a comprehensive range of financial services tailored to meet local market needs. In addition to its domestic operations, the company is also involved in international markets through its subsidiaries and partnerships, allowing it to extend its reach and serve clients beyond Italy.

Seasonality

The company’s operations are influenced by seasonal trends, particularly in the retail banking segment.

The company actively monitors the seasonal trends to adjust its marketing strategies and product offerings accordingly. By understanding the cyclical nature of customer demand, the company aims to optimize its service delivery and enhance customer satisfaction throughout the year.

Customers

The company serves a diverse range of customers, including private individuals, small and medium-sized enterprises (SMEs), and large corporations. The company’s customer base is extensive, comprising thousands of clients across various sectors and regions.

The primary categories of customers include,

Private Individuals

The company caters to individual customers seeking personal banking services, including current accounts, savings accounts, loans, and mortgages.

Small and Medium-Sized Enterprises (SMEs)

The company provides financial solutions tailored to the needs of SMEs, offering products such as business loans, credit facilities, and cash management services.

Large Corporations

The company serves large enterprises through its Corporate Banking segment, providing a wide range of financial products and services, including corporate finance and investment banking solutions.

The exact number of customers served by the company is substantial, reflecting the company’s strong market presence and reputation in the banking sector.

Sales and Marketing

The company employs a multifaceted approach to sales and marketing, utilizing various channels to reach its customers effectively. The company’s marketing strategy includes both traditional and digital marketing techniques, ensuring a comprehensive reach to its target audience.

Branch Network

The company operates an extensive network of branches across Italy, providing customers with direct access to banking services and personalized support from banking professionals.

Digital Marketing

The company leverages digital marketing strategies, including social media, email marketing, and online advertising, to operate with customers and promote its products and services. The company’s digital presence is designed to attract tech-savvy customers who prefer online banking solutions.

Partnerships and Collaborations

The company collaborates with various financial institutions and industry partners to enhance its service offerings and expand its market reach. These partnerships enable the company to provide customers with a broader range of financial products and services.

Through these marketing and distribution channels, the company aims to effectively communicate its value proposition and enhance customer engagement.

History

BPER Banca SpA was founded in 1867.

BPER Banca SpA Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Revenue distribution by industry: Banking services: approx. 70% Insurance services: approx. 20% Asset management: approx. 10% TOP 3 markets: Italy: approx. 85% Germany: approx. 7% France: approx. 5% BPER Banca SpA generates the majority of its revenue from traditional banking services, including...

At which locations are the company’s products manufactured?

Headquarters: Modena, Italy BPER Banca SpA is an Italian bank and does not produce physical products in the traditional sense. As a financial institution, it offers a variety of services including banking services, loans, asset management, and insurance. Being a bank, its "products" are pr...

What strategy does BPER Banca SpA pursue for future growth?

Strategy: Expansion through Acquisitions and Digitalization BPER Banca SpA pursues a growth strategy that heavily relies on expansion through targeted acquisitions. In recent years, the bank has acquired several smaller institutions to strengthen its market presence in Italy and expand its customer...

Which raw materials are imported and from which countries?

Main Imported Raw Materials/Items: Paper, IT hardware Main Import Countries: Germany, China, USA BPER Banca SpA primarily operates in the financial services sector as a bank and does not import raw materials in the traditional sense like a manufacturing company. However, the bank requires materials...

How strong is the company’s competitive advantage?

Market share in Italy: 5.2% (2024) Return on equity: 7.8% (2024) Cost efficiency ratio: 58% (2024) BPER Banca SpA has expanded its market share in Italy to 5.2% in recent years, which is attributed to a successful expansion strategy and acquisitions. The return on equity of 7.8% indicates that the c...

What is the share of institutional investors and insider buying/selling?

Institutional Investor Share: 45% (estimated for 2025 based on historical trends) Insider Trades: No significant transactions in the last year (estimated for 2025) The institutional investor share in BPER Banca SpA is estimated to be 45%. This figure is based on historical ownerships and the typical...

What percentage market share does BPER Banca SpA have?

Market share of BPER Banca SpA: 4.5% (2025, estimated) Top competitors and their market share: Intesa Sanpaolo: 20.0% UniCredit: 18.5% Banco BPM: 7.0% Mediobanca: 5.5% BPER Banca SpA: 4.5% Credito Emiliano (Credem): 3.5% Banca Popolare di Sondrio: 3.0% FinecoBank: 2.5% Banca Monte...

Is BPER Banca SpA stock currently a good investment?

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity: 7.8% (2024) BPER Banca SpA recorded solid revenue growth of 8.5% in 2024, indicating successful implementation of its strategic initiatives and strong operational performance. The 10.2% profit growth demonstrates the company's...

Does BPER Banca SpA pay a dividend – and how reliable is the payout?

Dividend Yield: 4.2% (2025, estimated) Payout Ratio: 45% (2024, estimated) BPER Banca SpA has regularly distributed dividends in recent years. The estimated dividend yield of 4.2% in 2025 suggests an attractive payout for investors. The payout ratio of approximately 45% in 2024 indicates that the...

BPER Banca SpA Stock Value

BPER Banca SpA Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does BPER Banca SpA do?

BPER Banca SpA Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal