BPER Banca SpA (BPE.MI) Financial Statements

Price: $7.608
Market Cap: $10.80B
Avg Volume: 17.21M
Country: IT
Industry: Banks - Regional
Sector: Financial Services
Beta: 1.228
52W Range: $4.174-7.782
Website: BPER Banca SpA

Overview of Financial Statements

Financial statements are records that provide an overview of a company's financial performance and position. There are three main types of financial statements:

  • Income Statement: Shows the company's revenue, expenses, and profit over a specific period.
  • Balance Sheet: Provides a snapshot of the company's assets, liabilities, and equity at a specific point in time.
  • Cash Flow Statement: Details the cash inflows and outflows from operating, investing, and financing activities over a period.

This page presents both annual and quarterly data for these financial statements. The charts below provide a visual representation of the key metrics from each statement, helping you to quickly understand the financial health of BPER Banca SpA.


Income Statement

Revenue
Cost of Revenue
Revenue and Costs$6.00B$6.00B$4.00B$4.00B$2.00B$2.00B$0.00$0.00-$2.00B-$2.00B20162016201720172018201820192019202020202021202120222022202320232024202420252025
Operating Expenses
Operating Income
Operating Expenses & Income$6.00B$6.00B$5.00B$5.00B$4.00B$4.00B$3.00B$3.00B$2.00B$2.00B$1.00B$1.00B$0.00$0.0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Breakdown December 31, 2024 December 31, 2023 December 31, 2022 December 31, 2021 December 31, 2020 December 31, 2019 December 31, 2018 December 31, 2017 December 31, 2016 December 31, 2015
Revenue $5.89B $4.96B $3.90B $3.66B $2.74B $2.49B $2.27B $2.09B $2.16B $2.49B
Cost of Revenue $- $-487.56M $- $- $- $- $- $- $- $-
Gross Profit $5.89B $5.45B $3.90B $3.66B $2.74B $2.49B $2.27B $2.09B $2.16B $2.49B
Gross Profit Ratio 100.00% 109.80% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Research and Development Expenses $- $- $- $- $- $- $- $- $- $-
General and Administrative Expenses $1.23B $1.24B $995.23M $642.65M $489.38M $413.78M $359.89M $298.99M $329.76M $305.77M
Selling and Marketing Expenses $- $41.20M $27.69M $34.37M $20.71M $19.29M $15.06M $16.09M $21.44M $13.85M
Selling General and Administrative Expenses $1.23B $2.71B $995.23M $677.02M $510.09M $433.07M $374.95M $315.08M $351.20M $319.62M
Other Expenses $4.66B $- $1.85B $1.82B $1.41B $1.48B $1.19B $1.12B $1.07B $1.15B
Operating Expenses $5.89B $2.71B $2.84B $2.50B $1.92B $1.91B $1.57B $1.44B $1.42B $1.47B
Cost and Expenses $5.89B $2.71B $2.84B $2.50B $1.92B $1.91B $1.57B $1.44B $1.42B $1.47B
Interest Income $5.01B $3.25B $1.83B $1.76B $1.43B $1.42B $1.38B $1.42B $1.48B $1.65B
Interest Expense $1.64B $- $433.57M $257.38M $192.23M $255.23M $253.49M $291.92M $312.60M $420.86M
Depreciation and Amortization $334.59M $263.56M $227.67M $280.12M $167.42M $149.99M $91.65M $90.61M $84.73M $69.75M
EBITDA $- $1.94B $1.60B $962.19M $367.10M $559.68M $423.83M $260.07M $265.71M $548.09M
EBITDA Ratio 0.00% 39.15% 51.60% 30.66% 19.61% 32.43% 28.36% 27.25% 18.20% 28.32%
Operating Income $- $2.25B $1.79B $916.73M $370.84M $657.26M $555.18M $490.59M $321.63M $635.80M
Operating Income Ratio 0.00% 45.42% 45.94% 25.01% 13.55% 26.35% 24.44% 23.46% 14.91% 25.52%
Total Other Income Expenses Net $2.05B $-528.59M $605.09M $540.83M $-160.76M $248.24M $-138.83M $58.23M $-109.39M $-317.36M
Income Before Tax $2.05B $1.72B $1.38B $692.87M $203.62M $416.90M $345.53M $199.12M $10.54M $213.51M
Income Before Tax Ratio 34.87% 34.77% 35.47% 18.91% 7.44% 16.72% 15.21% 9.52% 0.49% 8.57%
Income Tax Expense $615.47M $172.87M $-89.27M $134.22M $-67.05M $22.45M $-100.26M $22.24M $-5.27M $-5.72M
Net Income $1.40B $1.52B $1.45B $525.12M $236.93M $379.58M $401.95M $176.44M $14.30M $220.66M
Net Income Ratio 23.82% 30.63% 37.12% 14.33% 8.66% 15.22% 17.70% 8.44% 0.66% 8.86%
EPS $0.99 $1.07 $1.03 $0.37 $0.35 $0.52 $0.57 $0.25 $0.02 $0.31
EPS Diluted $0.98 $1.05 $1.00 $0.36 $0.33 $0.50 $0.57 $0.25 $0.02 $0.31
Weighted Average Shares Outstanding 1.41B 1.42B 1.41B 1.41B 679.02M 732.07M 710.39M 710.39M 710.39M 710.39M
Weighted Average Shares Outstanding Diluted 1.43B 1.45B 1.45B 1.45B 714.73M 755.20M 710.39M 710.39M 710.39M 710.39M
SEC Filing Source Source Source Source Source Source Source Source Source Source

Balance Sheet

Total Assets
Total Liabilities
Total Assets and Liabilities$160.00B$160.00B$120.00B$120.00B$80.00B$80.00B$40.00B$40.00B$0.00$0.0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Equity$12.00B$12.00B$9.00B$9.00B$6.00B$6.00B$3.00B$3.00B$0.00$0.0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Breakdown December 31, 2024 December 31, 2023 December 31, 2022 December 31, 2021 December 31, 2020 December 31, 2019 December 31, 2018 December 31, 2017 December 31, 2016 December 31, 2015
Cash and Cash Equivalents $7.89B $11.20B $14.00B $21.77B $8.98B $1.82B $1.50B $2.57B $1.06B $764.94M
Short Term Investments $- $- $- $- $- $- $- $- $- $-
Cash and Short Term Investments $7.89B $11.20B $14.00B $21.77B $8.98B $1.82B $1.50B $2.57B $1.06B $764.94M
Net Receivables $- $151.14M $143.19M $106.39M $92.63M $72.85M $63.45M $99.50M $102.58M $102.44M
Inventory $- $- $-19.32B $-23.16B $-10.55B $-3.11B $-2.48B $-3.91B $-2.31B $-
Other Current Assets $- $13.76B $- $- $- $- $- $- $- $-
Total Current Assets $7.89B $13.76B $14.14B $21.88B $9.07B $1.90B $1.57B $2.67B $1.16B $1.44B
Property Plant Equipment Net $2.50B $1.96B $2.55B $1.65B $1.09B $1.10B $787.40M $781.63M $711.35M $723.72M
Goodwill $170.02M $170.02M $204.39M $204.39M $434.76M $434.76M $264.74M $327.08M $361.50M $380.39M
Intangible Assets $540.75M $478.96M $359.11M $254.81M $267.96M $235.09M $180.95M $179.54M $156.33M $134.77M
Goodwill and Intangible Assets $710.76M $648.98M $563.50M $459.20M $702.72M $669.85M $445.69M $506.63M $517.83M $515.16M
Long Term Investments $8.25B $30.33B $32.85B $28.91B $25.03B $19.40B $17.65B $16.18B $14.55B $12.50B
Tax Assets $- $- $2.35B $1.37B $1.58B $1.56B $1.43B $1.27B $1.30B $1.26B
Other Non-Current Assets $-11.46B $95.42B $-2.35B $-1.37B $-1.58B $-1.56B $-1.43B $-1.27B $-1.30B $-1.26B
Total Non-Current Assets $132.70B $128.37B $35.96B $31.02B $26.83B $21.17B $18.88B $17.47B $15.78B $13.74B
Other Assets $140.59B $1 $102.20B $83.45B $57.15B $55.97B $50.19B $51.20B $48.02B $46.08B
Total Assets $140.59B $142.13B $152.30B $136.35B $93.05B $79.03B $70.63B $71.34B $64.96B $61.26B
Account Payables $- $1.81B $2.37B $1.10B $844.22M $841.23M $747.36M $864.30M $718.29M $1.02B
Short Term Debt $- $- $- $- $- $- $- $- $- $-
Tax Payables $15.18M $279.01M $267.11M $258.87M $153.46M $166.82M $134.72M $111.75M $102.46M $123.66M
Deferred Revenue $- $- $-1.65B $-5.46B $-2.29B $-1.69B $-5.20B $-4.56B $-4.71B $-2.64B
Other Current Liabilities $-15.18M $100.81B $-2.64B $-1.36B $-997.68M $-1.01B $-882.08M $-976.06M $-820.75M $-1.15B
Total Current Liabilities $- $102.90B $2.37B $1.10B $844.22M $841.23M $747.36M $864.30M $718.29M $1.02B
Long Term Debt $- $- $- $- $- $- $- $- $- $-
Deferred Revenue Non-Current $- $- $-63.39M $-58.90M $-77.52M $-70.33M $-58.68M $24.87M $25.64M $54.61M
Deferred Tax Liabilities Non-Current $- $- $63.39M $58.90M $77.52M $70.33M $58.68M $103.96M $99.28M $105.10M
Other Non-Current Liabilities $- $- $- $- $- $- $- $- $- $-
Total Non-Current Liabilities $- $20.12B $2.37B $1.10B $844.22M $841.23M $747.36M $864.30M $718.29M $1.02B
Other Liabilities $129.03B $9.55B $139.44B $127.29B $85.03B $72.06B $64.24B $63.89B $57.96B $53.56B
Total Liabilities $129.03B $132.56B $144.18B $129.49B $86.72B $73.74B $65.74B $65.62B $59.40B $55.61B
Preferred Stock $- $- $- $- $- $- $- $- $- $-
Common Stock $2.12B $2.10B $2.10B $2.10B $2.10B $1.56B $1.44B $1.44B $1.44B $1.44B
Retained Earnings $1.40B $5.06B $1.45B $525.12M $245.65M $379.58M $401.95M $176.44M $14.30M $220.66M
Accumulated Other Comprehensive Income Loss $- $971.61M $4.60B $3.37B $2.87B $2.60B $2.02B $2.70B $646.13M $2.37B
Other Total Stockholders Equity $7.83B $1.23B $1.23B $1.23B $1.23B $995.46M $922.82M $922.82M $922.82M $922.82M
Total Stockholders Equity $11.35B $9.37B $7.94B $6.70B $6.20B $5.16B $4.39B $5.06B $4.88B $5.02B
Total Equity $11.56B $9.57B $8.12B $6.86B $6.33B $5.29B $4.90B $5.72B $5.56B $5.65B
Total Liabilities and Stockholders Equity $140.59B $142.13B $152.30B $136.35B $93.05B $79.03B $70.63B $71.34B $64.96B $61.26B
Minority Interest $210.41M $199.33M $180.36M $162.50M $133.94M $131.66M $507.46M $653.01M $674.37M $627.29M
Total Liabilities and Total Equity $140.59B $142.13B $152.30B $136.35B $93.05B $79.03B $70.63B $71.34B $64.96B $61.26B
Total Investments $8.25B $30.33B $32.85B $28.91B $25.03B $19.40B $17.65B $16.18B $14.55B $12.50B
Total Debt $- $11.90B $6.54B $7.33B $7.19B $8.51B $7.94B $9.99B $11.23B $13.86B
Net Debt $-7.89B $-11.20B $-7.46B $-14.44B $-1.79B $6.69B $6.44B $7.43B $10.18B $13.10B

Cash Flow Statement

Operating Cash Flow
Investing Cash Flow
Operating and Investing Cash Flow$16.00B$16.00B$12.00B$12.00B$8.00B$8.00B$4.00B$4.00B$0.00$0.00-$4.00B-$4.00B20152015201620162017201720182018201920192020202020212021202220222023202320242024
Financing Cash Flow$800.00M$800.00M$600.00M$600.00M$400.00M$400.00M$200.00M$200.00M$0.00$0.00-$200.00M-$200.00M20152015201620162017201720182018201920192020202020212021202220222023202320242024
Breakdown December 31, 2023 December 31, 2022 December 31, 2021 December 31, 2020 December 31, 2019 December 31, 2018 December 31, 2017 December 31, 2016 December 31, 2015 December 31, 2014
Net Income $1.52B $1.45B $525.12M $245.65M $379.58M $401.95M $176.44M $14.30M $220.66M $14.80M
Depreciation and Amortization $263.56M $220.67M $206.76M $165.96M $151.66M $89.00M $79.43M $71.19M $69.75M $67.55M
Deferred Income Tax $- $-587.00K $-4.81M $356.00K $-836.00K $- $- $- $- $-
Stock Based Compensation $6.16M $587.00K $4.81M $-356.00K $836.00K $32.00K $-94.00K $-53.00K $27.00K $-
Change in Working Capital $-8.11B $10.93B $-35.34M $-1.68B $-605.58M $-756.63M $-626.72M $-881.36M $-665.19M $-798.33M
Accounts Receivables $- $- $- $- $- $- $- $- $- $-
Inventory $- $- $- $- $- $- $- $- $- $-
Accounts Payables $- $- $- $- $- $- $- $- $- $-
Other Working Capital $-8.11B $10.93B $-35.34M $-1.68B $-605.58M $-5.69B $860.73M $-987.60M $-2.86B $-1.18B
Other Non Cash Items $2.90B $196.75M $568.36M $634.45M $452.20M $419.69M $668.30M $802.98M $911.46M $1.02B
Net Cash Provided by Operating Activities $-3.42B $12.79B $1.26B $-634.98M $377.87M $154.01M $297.45M $7.12M $536.67M $307.29M
Investments in Property Plant and Equipment $-155.80M $-334.59M $-246.23M $-235.79M $-162.03M $-83.20M $-92.23M $-142.49M $-68.53M $-90.89M
Acquisitions Net $-3.85M $275.96M $-521.94M $-7.96M $-220.20M $3.22M $39.50M $23.34M $-61.34M $-
Purchases of Investments $- $-474.13M $-12.51B $-15.03B $-959.34M $-5.98B $-301.57M $-6.91M $-621.16M $-1.14B
Sales Maturities of Investments $- $19.99B $142.35M $465.49M $2.66B $4.93B $147.84M $138.41M $158.10M $127.58M
Other Investing Activities $-154.44M $-19.48B $12.39B $14.59B $-1.69B $3.22M $2.61M $3.02M $6.35M $12.48M
Net Cash Used for Investing Activities $-314.08M $-17.07M $-743.12M $-223.13M $-376.00M $-79.98M $-203.86M $15.37M $-586.58M $-1.09B
Debt Repayment $- $- $- $13.03B $- $- $- $- $-1.80B $-1.01B
Common Stock Issued $2.68M $5.77M $- $776.19M $180.00M $20.00M $- $- $- $748.38M
Common Stock Repurchased $- $- $-3.06M $- $- $- $- $- $- $-
Dividends Paid $-181.05M $-91.27M $-61.07M $-3.22M $-74.49M $-54.69M $-38.69M $-48.09M $-9.76M $-
Other Financing Activities $- $- $- $-13.03B $- $- $- $- $1.92B $2.04B
Net Cash Used Provided by Financing Activities $-178.37M $-85.50M $-64.13M $772.97M $105.51M $-34.69M $-38.69M $-48.09M $-9.76M $748.38M
Effect of Forex Changes on Cash $149.00K $-265.00K $-463.00K $419.00K $-237.00K $142.00K $522.00K $104.00K $-732.00K $-564.00K
Net Change in Cash $-3.91B $12.69B $457.18M $-84.73M $107.14M $39.48M $55.42M $-25.49M $-60.40M $-37.76M
Cash at End of Period $10.09B $14.00B $1.31B $482.19M $566.92M $459.78M $420.30M $364.88M $390.37M $450.77M
Cash at Beginning of Period $14.00B $1.31B $849.10M $566.92M $459.78M $420.30M $364.88M $390.37M $450.77M $488.52M
Operating Cash Flow $-3.42B $12.79B $1.26B $-634.98M $377.87M $154.01M $297.45M $7.12M $536.67M $307.29M
Capital Expenditure $-155.80M $-334.59M $-246.23M $-235.79M $-162.03M $-83.20M $-92.23M $-142.49M $-68.53M $-90.89M
Free Cash Flow $-3.80B $12.46B $1.02B $-870.78M $215.84M $70.81M $205.22M $-135.37M $468.14M $216.40M