Banca Profilo SpA (PRO) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Banca Profilo SpA €1.73, price €1.59, upside +8.8%, quality 38 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range €1.37 – €1.99 · fair‑value band €1.48 – €2.38 · the €1.59 price screens below the €1.73 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Banca Profilo S.p.A. provides various banking and financial services to private, institutional, and corporate clients in Italy and internationally. The company offers private banking, investment planning, asset planning and protection, investment club, and banking and trust services.
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Banca Profilo S.p.A. provides various banking and financial services to private, institutional, and corporate clients in Italy and internationally. The company offers private banking, investment planning, asset planning and protection, investment club, and banking and trust services. It also provides investment management, and analysis and research services; financing and real estate services, as well as investment banking comprising corporate finance, capital market advisory, and market sounding services; and asset services, such as brokerage. The company was founded in 1988 and is headquartered in Milan, Italy. Banca Profilo S.p.A. is a subsidiary of Arepo BP S.p.A.
Stock analysis
Banca Profilo SpA (PRO) currently trades at €1.59, while our model-based Fair Value estimate is €1.73, implying the stock looks roughly 8.1% fairly valued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of €1.78 per share, and 4 of the 6 models we run sit above the €1.59 price.
Bear case: the Dividend Discount group reads lowest at €1.35, and 2 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: €1.48 (bear) to €2.38 (bull), the price of €1.59 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 38/100 (below-average quality), in the Financial Services sector.
Weak Growth: Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Banca Profilo SpA reported revenue of €67.7M in FY2025 versus €70.7M in FY2021, a compound −1.1%/yr. Reported net income was €9.0M in FY2025, compounding +0.2%/yr from FY2021.
Key figures
Market cap €115M · P/E ratio 12.2 · P/S ratio 1.62 · EPS (TTM) €0.1300 · Dividend yield 4.4% · Net margin 13.2% · Return on equity 5.4% · Return on assets (EBIT) 0.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades about 18% below its 52-week high and 11% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 9%, PRO screens cheaper than that median.
Fair Value models
Bear €1.48Fair Value €1.73Bull €2.38
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (€0.0441 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.20/100
Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Revenue growth 1 year
−12.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−3.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.8%
Start year 2020 (pandemic). Over 10 years: +0.6% a year
Revenue growth 22 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.9%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+5.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+0.6%
Dividend (yield on the price)4.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.1% vs 11%, slowing
Profit margin 2017 to 2022 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.17% → 25%
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks
Beats the industry median on 3/10 measures
Overall it trails its industry peers.
Valuation
Quality Score41 · Bottom 25%
Fair Value upside+7% · Above median
Profitability
Return on equity (TTM)5% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)17% · Bottom 25%
Operating margin (TTM)−4% · Bottom 25%
Growth and dividend
Revenue growth−25% · Bottom 25%
Dividend yield (TTM)4.4% · Top 25%
Balance sheet
Debt / equity0.21× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is Banca Profilo SpA (PRO) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of €1.73 versus a price of €1.59, about +9% upside (fairly valued).
What is the fair value of PRO?
Our model-based fair value for Banca Profilo SpA is €1.73 (as of Sep 23, 2026), built from audited fundamentals. The current price: €1.59.
What is the quality score of PRO?
Banca Profilo SpA has a Quality Score of 38/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Banca Profilo SpA (PRO)?
Our model-based price target is the fair value of €1.73 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario €1.48, optimistic scenario €2.38. It is a calculation from audited fundamentals, not an analyst target.
What is the Banca Profilo SpA stock forecast for 2026?
Our models put fair value at €1.73, about +9% upside versus a price of €1.59 (fairly valued). Cautious scenario €1.48, optimistic scenario €2.38. The calculation is refreshed regularly with new filings.
What is the revenue of Banca Profilo SpA (PRO)?
Banca Profilo SpA reported trailing-twelve-month revenue of about €50.9M (latest available figure, as of Sep 23, 2026).
Does Banca Profilo SpA pay a dividend?
Banca Profilo SpA currently shows a dividend yield of about 4.40% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of Banca Profilo SpA (PRO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Banca Profilo SpA it is €1.73 per share (as of Sep 23, 2026), against a price of €1.59. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Banca Profilo SpA stock overvalued or undervalued in 2026?
As of Sep 23, 2026, PRO trades below its calculated fair value: price €1.59, fair value €1.73, a gap of about +9% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PRO?
No. The price is what the market pays today (€1.59); the fair value is what the company's own numbers justify (€1.73). For Banca Profilo SpA the two are €0.1400 per share apart. That gap is exactly why we show both numbers side by side.
How much is Banca Profilo SpA worth?
The market values Banca Profilo SpA at about €115M (market capitalisation, as of Sep 23, 2026). Per share that is €1.59; our models calculate a fair value of €1.73 per share.
What do the bullish and bearish scenarios say about PRO?
Our models span a range for Banca Profilo SpA: cautious scenario €1.48, base €1.73, optimistic €2.38 per share (as of Sep 23, 2026, price €1.59). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PRO?
Banca Profilo SpA trades at a price-to-earnings ratio of 12.2 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €1.73 is built from several models across several years.
How solid is the balance sheet of Banca Profilo SpA (PRO)?
Balance-sheet figures for Banca Profilo SpA (as of Sep 23, 2026): return on equity 5.4%, debt of 0.21 per unit of equity. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is PRO from its 52-week high?
Banca Profilo SpA trades at €1.59, about 18% below its 52-week high of €1.94 and 11% above the low of €1.44 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of €1.73 is for.
Which stocks are comparable to Banca Profilo SpA?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Banca Profilo SpA stock attractive at the current price?
The data as of Sep 23, 2026: price €1.59, calculated fair value €1.73 (+9%), Quality Score 38/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PRO calculated?
We run Banca Profilo SpA through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €1.73, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.2 % above its aggregate fair value. Banca Profilo SpA currently trades 9 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Banca Profilo SpA (PRO)?
The closing price on Sep 24, 2026 was €1.59. Our model-based fair value is €1.73, about +9% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banca Profilo SpA right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Banca Profilo SpA (PRO) come from?
Earnings per share at Banca Profilo SpA grew +16.8 % a year from 2012 to 2023. Broken into its drivers: revenue per share +5.4 %, EBIT margin −3.2 %, tax rate +4.9 %, residual (interest, one-offs) +9.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Banca Profilo SpA
How large is the market capitalisation of Banca Profilo SpA (PRO)?
The market capitalisation of Banca Profilo SpA is €115M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Banca Profilo SpA (PRO)?
The price-to-sales ratio of Banca Profilo SpA is 1.62 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Banca Profilo SpA (PRO)?
Earnings per share at Banca Profilo SpA are €0.1300 (price ÷ EPS = P/E 12.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Banca Profilo SpA (PRO)?
The dividend yield of Banca Profilo SpA is 4.4% (payout 53.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Banca Profilo SpA (PRO)?
The net margin of Banca Profilo SpA is 13.2% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Banca Profilo SpA (PRO)?
The return on equity (ROE) of Banca Profilo SpA is 5.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Banca Profilo SpA (PRO)?
On an EBIT basis the return on assets of Banca Profilo SpA is 0.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Banca Profilo SpA (PRO)?
The operating margin of Banca Profilo SpA is −4.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Banca Profilo SpA (PRO)?
Revenue at Banca Profilo SpA is growing −25.0% versus a year earlier (3y avg −3.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Banca Profilo SpA (PRO)?
Earnings per share at Banca Profilo SpA are growing −82.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Banca Profilo SpA (PRO) generate?
The free cash flow of Banca Profilo SpA is −€24.0M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Banca Profilo SpA (PRO) carry?
The net debt of Banca Profilo SpA is €300M (fiscal year 2023). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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