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Banco di Desio e Della Brianza SPA (DE:BJ7)
FRANKFURT:BJ7

Banco di Desio e Della Brianza SPA (BJ7) Price & Analysis

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BJ7 Stock Chart & Stats

€7.43
€0.16(2.29%)
At close: 4:00 PM EST
€7.43
€0.16(2.29%)

Bulls Say, Bears Say

Bulls Say
Strong ProfitabilityHealthy net and operating margins demonstrate that the core banking franchise remains profitable despite recent volatility. This profitability provides an earnings cushion, supports internal capital formation, and can help the bank continue funding customer services and strategic priorities.
Growing Equity BaseSteady equity growth strengthens the balance sheet and improves the bank’s capacity to absorb credit or market setbacks. A larger capital base also supports lending activity and regulatory resilience, giving management more flexibility over the next several quarters.
Diversified Banking ModelThe combination of household and SME lending with deposits, payments, wealth management, investment distribution, and insurance creates several recurring banking and fee-income channels. This breadth can deepen customer relationships and reduce reliance on a single product line.
Bears Say
Sharp Revenue SetbackThe sharp 2025 revenue decline and sustained reduction in net income from the 2023 peak indicate that earnings momentum is uneven. If this weaker growth profile persists, it could constrain capital generation and reduce the bank’s ability to expand profitably.
Negative Recent Cash FlowNegative operating and free cash flow in two consecutive years raises concerns about the timing and durability of cash generation, even though reported profit remains positive. Persistent conversion weakness could limit internally funded growth and increase reliance on balance-sheet resources.
Elevated LeverageLeverage has improved materially from the 2022 spike, but debt remains high relative to equity. This leaves less room for error if operating conditions weaken, while elevated obligations can constrain financial flexibility and make balance-sheet management more demanding.

Banco di Desio e Della Brianza SPA News

BJ7 FAQ

What was Banco di Desio e Della Brianza SPA’s price range in the past 12 months?
Banco di Desio e Della Brianza SPA lowest stock price was €7.28 and its highest was €18.78 in the past 12 months.
    What is Banco di Desio e Della Brianza SPA’s market cap?
    Banco di Desio e Della Brianza SPA’s market cap is €2.30B.
      When is Banco di Desio e Della Brianza SPA’s upcoming earnings report date?
      The company’s upcoming earnings report date is not yet available.
      How were Banco di Desio e Della Brianza SPA’s earnings last quarter?
      Currently, no data Available
      Is Banco di Desio e Della Brianza SPA overvalued?
      According to Wall Street analysts Banco di Desio e Della Brianza SPA’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
        Does Banco di Desio e Della Brianza SPA pay dividends?
        Banco di Desio e Della Brianza SPA does not currently pay dividends.
        What is Banco di Desio e Della Brianza SPA’s EPS estimate?
        Banco di Desio e Della Brianza SPA’s EPS estimate for its next earnings report is not yet available.
        How many shares outstanding does Banco di Desio e Della Brianza SPA have?
        Banco di Desio e Della Brianza SPA has 131,474,810 shares outstanding.
          What happened to Banco di Desio e Della Brianza SPA’s price movement after its last earnings report?
          Currently, no data Available
          Which hedge fund is a major shareholder of Banco di Desio e Della Brianza SPA?
          Currently, no hedge funds are holding shares in DE:BJ7
          What is the TipRanks Smart Score and how is it calculated?
          Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

            Company Description

            Banco di Desio e Della Brianza SPA

            Banco di Desio e della Brianza S.p.A. provides banking products and services to individuals and enterprises in Italy. The company offers current and deposit accounts; and debit and credit cards. It also provides financing products and mortgages; insurance and social security services; investments and saving products, insurance investment products, and funds and SICAVs; POS solutions; business partnerships services, such as corporate advisory and private debt, and energy self-sufficiency solutions; and financing products for the international market, risk coverage solutions, and international bank guarantees. In addition, the company offers asset management; DesioValue and titles; and internet banking services. The company was incorporated in 1909 and is headquartered in Desio, Italy. Banco di Desio e della Brianza S.p.A. is a subsidiary of Brianza Unione di Luigi Gavazzi e Stefano Lado S.A.p.A.

            Banco di Desio e Della Brianza SPA (BJ7) Earnings & Revenues

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