Banca Profilo SpA (PRO) fair value: what the stock is really worth
We calculate from audited financials what Banca Profilo SpA is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.
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Financial Services · IT · Market cap €115M · ISIN IT0001073045
At a glance
BPBanca Profilo SpAPRO · MI
Price€1.67
Fair Value€1.97
Upside+17.8%
Quality38/100
Below-average quality, trading 15% below our fair value of €1.97.
As of Aug 19, 2026, the fair value of Banca Profilo SpA is €1.97 per share against a price of €1.67, so the fair value sits 18% above the price. A model estimate from reported figures, not an analyst target.
!Weak Growth (revenue 5y +1.8 %/yr)
✓Solidly profitable · 17.0% net margin
!Low debt · negative free cash flow
·4.29% dividend yield
!Trails peers (3/10)
!Narrow moat 29/100
!Evidence only medium, so the estimate is less certain
!Weak on past: 22 out of 100
Evidence: MediumRange €1.48 to €2.46
Fair value as of: Aug 19, 2026
From 6 valuation models · updated 21 days ago
Fair value updated Aug 19, 2026, revised from €2.04 to €1.97 (−3.4%) since Aug 13, 2026. Share price +1.1% over the past month.
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69 individual criteria per stock, every one traceable See the method →
What matters now
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
The price sits in the lower half of our model range, the side with the larger margin of safety.
Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 19, 2026.
How to read this chart
60‑month range €1.37 – €1.99 · fair‑value band €1.48 – €2.46 · the €1.67 price screens below the €1.97 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 19, 2026.
Banca Profilo SpA (PRO) currently trades at €1.67, while our model-based Fair Value estimate is €1.97, implying the stock looks roughly 15.1% undervalued today. The Quality Score stands at 38/100 (below-average quality), in the Financial Services sector. 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 €1.67 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.
Over the trailing twelve months, Banca Profilo SpA generated revenue of €53.8M at a net margin of 15.2%. Revenue declined 36.6% year over year. It earns a return on equity of 5.0%. Net debt stands at €300M. Fundamentals as of Aug 19, 2026
Scenario range: €1.48 (bear) to €2.46 (bull), the price of €1.67 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. For context, the median of 10 Financial Services peers we cover trades at −13% fair-value upside, at 18%, PRO screens cheaper than that median.
Fair Value models
Based on fiscal year 2025 figures (about 8 months old). Earnings retained since then (€0.0021 per share) are deliberately not added.
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
ModelBear ⓘ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
Highest evidence
Residual Income best evidence€1.78€1.78€1.5876
Gordon GGM€0.8900€1.49€1.9468
DDM Multi-Stage€0.8900€1.35€1.6167
All 6 models by family
Dividend Discount
Gordon GGM€0.8900€1.49€1.9468
DDM Multi-Stage€0.8900€1.35€1.6167
Multiples
P/E Multiple€1.32€1.76€2.2063
P/B Multiple€1.73€2.31€2.8855
Asset-Based
NCAV (Graham)€1.26€1.69€2.5254
Economic Profit
Residual Income best evidence€1.78€1.78€1.5876
Widest divergence: Economic Profit (€1.78) versus Dividend Discount (€1.35). Highest evidence: Residual Income (76).
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Key figures & financial health
P/E ratio12.9
P/S ratio1.70P/E × margin
EPS (TTM)€0.1300price ÷ EPS = P/E 12.9
Dividend yield4.3%payout 55.2%
Net margin13.2%FY2025
Return on equity5.4%TTM
More key figures
Profitability
Return on assets (EBIT)0.8%avg 5y
Operating margin−4.4%TTM
Growth
Revenue (TTM)€50.9MTTM
Revenue growth (YoY)−25.0%3y avg −3.2%
EPS growth (YoY)−82.7%
Balance sheet & cash flow
Free cash flow−€24.0MFY2025
Net debt€300MFY2023
Figures from reported company fundamentals · as of Aug 19, 2026. TTM = trailing twelve months.
Quality Score breakdown
Overall quality38/100
Of which business quality 36
· Market factors (momentum, volatility) 57
Profitability25
Margins and returns on capital today
Quality Growth41
Are margins and returns improving?
Cashflow0
Earnings quality: real cash, not paper profit
Fin. Strength18
Balance sheet, leverage, solvency risk
Investment95
Disciplined investing over empire-building
Low Volatility83
Calm price path (market factor)
Momentum48
Price trend over the last 3–12 months (market factor)
52W Momentum42
Distance to the 52-week high (market factor)
Net Issuance80
Buybacks instead of dilution
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
Growth Quality 20/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
€67.7M
Latest YoY
−12.9%
Avg. revenue growth/yr (3Y) ⓘ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.
−3.2%
Avg. revenue growth/yr (5Y) ⓘ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.
+1.8%
Avg. revenue growth/yr (22Y) ⓘ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.
+3.9%
Value creation/yr (5Y) ⓘEarnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year.
+4.9%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share+0.6%
Dividend yield4.3%
Trend ⓘ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.5Y 0.6% vs 10Y 10.5%, flattening
Operating margin (EBIT) ⓘ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.16.5% (2017) → 24.6% (2022) · rising
Worst earnings drop453% (2008) (loss year, drop beyond 100%) · in EUR
Revenue−1.1%/yr
FY21€70.7M
FY22€74.6M
FY23€124M
FY24€77.8M
FY25€67.7M
Net income+0.2%/yr
FY21€8.9M
FY22€11.1M
FY23€12.1M
FY24€9.3M
FY25€9.0M
Character of growth · EPS growth decomposed (2012-2023)+16.8 % p.a.
Revenue per share+5.4 %
of which total revenue +4.9 % · buybacks/dilution +0.5 %
EBIT margin−3.2 %
Tax rate+4.9 %
Residual (interest, one-offs)+9.1 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
This stockSector peers
VALUE57· sector 32
FUTURE0· sector 44
PAST22· sector 41
HEALTH90· sector 85
DIVIDEND81· sector 51
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
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Is Banca Profilo SpA (PRO) overvalued or undervalued?
As of Aug 19, 2026, our model estimates a fair value of €1.97 versus a price of €1.67, about +18% upside (undervalued).
What is the fair value of PRO?
Our model-based fair value for Banca Profilo SpA is €1.97 (as of Aug 19, 2026), built from audited fundamentals. The current price: €1.67.
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 €1.97 (as of Aug 19, 2026) from 6 valuation models. Cautious scenario €1.48, optimistic scenario €2.46. 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 €1.97, about +18% upside versus a price of €1.67 (undervalued). Cautious scenario €1.48, optimistic scenario €2.46. 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 €53.8M (latest available figure, as of Aug 19, 2026).
What is the net profit margin of PRO?
The net profit margin of Banca Profilo SpA is about 15.2%, meaning it keeps roughly 15.2% of revenue as net income. Based on the latest reported figures.
Does Banca Profilo SpA pay a dividend?
Banca Profilo SpA currently shows a dividend yield of about 4.29% relative to its recent price (as of Aug 19, 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 €1.97 per share (as of Aug 19, 2026), against a price of €1.67. 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 Aug 19, 2026, PRO trades below its calculated fair value: price €1.67, fair value €1.97, a gap of about +18% (undervalued). 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 (€1.67); the fair value is what the company's own numbers justify (€1.97). For Banca Profilo SpA the two are €0.2970 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 Aug 19, 2026). Per share that is €1.67; our models calculate a fair value of €1.97 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 €1.97, optimistic €2.46 per share (as of Aug 19, 2026, price €1.67). 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 12.9 (as of Aug 19, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €1.97 is built from several models across several years. Other multiples: P/B 0.8, P/S 2.6.
How solid is the balance sheet of Banca Profilo SpA (PRO)?
Balance-sheet figures for Banca Profilo SpA (as of Aug 19, 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.
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 Aug 19, 2026: price €1.67, calculated fair value €1.97 (+18%), 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 €1.97, with the spread shown as a cautious and an optimistic scenario.
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