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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
High Operating ProfitabilitySustained high net and EBIT margins indicate the bank generates strong earnings on its asset base. Durable margins provide buffer against credit volatility, support internal capital accumulation and dividend capacity, and imply structural cost or spread advantages versus peers.
Strengthening Capital BaseRising equity and improving leverage from the 2022 spike increase solvency headroom and regulatory resilience. A stronger capital base supports lending capacity, cushions losses, and reduces the likelihood of urgent capital raises over the medium term.
Stable Retail & SME FranchiseA diversified retail and SME deposit and lending franchise creates stable funding and recurring fee opportunities. Branch distribution and local client relationships support deposit stickiness, loan origination and cross-sell, underpinning durable revenue streams.
Bears Say
Weak Cash GenerationRecent negative operating and free cash flows signal impaired internal funding and weaken the bank's ability to finance growth or dividends from operations. Persistent cash deficits increase reliance on wholesale funding or asset sales, raising medium-term liquidity and execution risk.
Choppy Revenue And Earnings VolatilityA pronounced 2025 revenue decline and earnings below prior peak show earnings are inconsistent. This volatility complicates planning, capital allocation and provisioning, and increases the chance that temporary shocks could have lasting effects on profitability and growth trajectories.
Elevated Leverage LevelsAlthough leverage has improved, remaining elevated debt ratios limit strategic flexibility and leave less buffer against adverse credit or rate shocks. Higher leverage increases sensitivity to asset-quality deterioration and may force conservative lending or capital actions if stress re-emerges.

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 €6.81 and its highest was €15.22 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 €1.94B.
      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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