Want to see IT:PRO full AI Analyst Report?
Banca Profilo SPA (PRO) AI Stock Analysis
Banca Profilo SPA
(Milan:PRO)
The score is held back primarily by weakened financial performance—especially the sharp 2025 revenue decline, the major step-up in leverage, and negative operating/free cash flow. Technicals are supportive with price above key moving averages and positive MACD, while valuation is moderately attractive with a reasonable P/E and solid dividend yield.
Banca Profilo SPA (PRO) vs. iShares MSCI Italy ETF (EWI)
- Market Cap
- EUR 109.30M
- Dividend Yield
- 4.20%
- Average Volume (3M)
- 59.99K
- Price to Earnings (P/E)
- 12.7
- Beta (1Y)
- 0.59
- Revenue Growth
- -32.50%
- EPS Growth
- 82.22%
- Country
- Italy
- Employees
- 169
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
Banca Profilo SPA Business Overview & Revenue Model
Company Description
Banca Profilo S.p.A. offers a comprehensive suite of banking and financial solutions, catering to both individual and corporate clients across Italy and internationally. The firm's services encompass strategic investment planning, personalized wealth...
How the Company Makes Money
Banca Profilo makes money primarily through a mix of fee-based and interest-based banking revenues tied to wealth management and capital markets activity. (1) Wealth management and private banking fees: it earns recurring management and advisory fees...
Banca Profilo SPA Financial Statement Overview
Summary
Profitability is steady-to-good, but overall financial quality weakened in the latest year: revenue fell sharply in 2025 (~-52%), leverage spiked with total debt rising to ~€1.17B (about ~7.0x equity), and operating/free cash flow turned negative (~-€24M each). These factors materially increase earnings durability and balance-sheet risk despite positive net income.
Income Statement
54NeutralBalance Sheet
41NeutralCash Flow
32Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 42.89M | 63.81M | 143.70M | 119.43M | 75.56M | 71.68M |
| Gross Profit | 53.41M | 60.57M | 77.80M | 79.42M | 73.04M | 69.53M |
| EBITDA | 3.16M | 5.90M | 13.28M | 17.69M | 18.10M | 15.88M |
| Net Income | 8.16M | 10.00M | 9.29M | 12.12M | 11.13M | 11.71M |
Balance Sheet | ||||||
| Total Assets | 2.23B | 1.97B | 2.55B | 2.14B | 1.89B | 1.67B |
| Cash, Cash Equivalents and Short-Term Investments | 148.54M | 335.90M | 138.78M | 116.49M | 71.11M | 31.53M |
| Total Debt | 916.78M | 1.17B | 0 | 0 | 0 | 4.28M |
| Total Liabilities | 2.06B | 1.80B | 2.39B | 1.97B | 1.73B | 1.50B |
| Stockholders Equity | 165.70M | 166.47M | 161.06M | 165.93M | 160.55M | 163.85M |
Cash Flow | ||||||
| Free Cash Flow | 0 | -24.44M | 31.06M | 54.58M | 48.93M | -28.20M |
| Operating Cash Flow | 0 | -24.22M | 34.64M | 54.93M | 52.32M | -25.87M |
| Investing Cash Flow | 0 | 502.86M | -3.58M | -1.77M | -3.39M | -5.37M |
| Financing Cash Flow | 0 | -511.11M | -10.23M | -9.23M | -9.84M | -25.73M |
Banca Profilo SPA Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:PRO, the sentiment is Positive. The current price of 1.66 is above the 20-day moving average (MA) of 1.57, above the 50-day MA of 1.61, and above the 200-day MA of 1.65, indicating a bullish trend. The MACD of 0.02 indicates Negative momentum. The RSI at 62.86 is Neutral, neither overbought nor oversold. The STOCH value of 72.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IT:PRO.
Banca Profilo SPA Peers Comparison
Overall Rating
IT:CE79Outperform
IT:MB75Outperform
IT:BGN73Outperform
IT:BMED71Outperform
IT:FBK64Neutral- IT:PRO52Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| IT:CE | 79Outperform | EUR 6.72B | 11.85 | 12.18% | 3.81% | -1.80% | -15.66% |
| IT:MB | 75Outperform | EUR 20.66B | 16.41 | 11.14% | 4.76% | 4.12% | 50.03% |
| IT:BGN | 73Outperform | EUR 6.81B | 3.63 | 128.43% | 4.81% | 17.02% | 33.89% |
| IT:BMED | 71Outperform | EUR 16.62B | 12.70 | 28.80% | 5.56% | -33.50% | 14.56% |
| IT:FBK | 64Neutral | EUR 13.05B | 19.33 | 26.70% | 3.72% | 5.03% | 2.95% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| IT:PRO | 52Neutral | EUR 109.30M | 12.66 | 5.26% | 4.20% | -32.50% | 82.22% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| IT:PRO | Banca Profilo SPA | 1.66 | 0.14 | 9.33% | |
| IT:BGN | Banca Generali SpA | 59.20 | 10.71 | 22.09% | |
| IT:CE | Credito Emiliano SPA Credem | 19.67 | 6.69 | 51.52% | |
| IT:FBK | Finecobank S.P.A | 21.26 | 0.87 | 4.24% | |
| IT:MB | Mediobanca Banca di Credito Finanziario S.p.A. | 25.60 | 10.29 | 67.17% | |
| IT:BMED | Banca Mediolanum SpA | 22.48 | 5.78 | 34.63% |
Banca Profilo SPA Corporate Events
Banca Profilo Reschedules Board Meeting on Q3 2026 Results
Banca Profilo S.p.A. has updated its corporate events calendar, rescheduling the Board of Directors meeting to review the third quarter 2026 results to November 6, 2026, one day later than previously announced. The minor change in timing signals an a...
Banca Profilo Calls Remote Shareholders’ Meeting on Treasury Shares and Statute Changes
Banca Profilo has convened an ordinary and extraordinary shareholders’ meeting for 10 November 2026, with a possible second call on 11 November, to be held exclusively via telecommunication. The agenda includes resolutions on the disposal of tr...
Banca Profilo to Become Group Parent as Arepo BP Liquidates
Banca Profilo’s board has called a shareholders’ meeting for 10 and 11 November 2026 to approve bylaw changes reflecting its new status as parent company of a banking group, following the voluntary liquidation of its controlling sharehold...
Banca Profilo Finalizes Filing of Updated Articles and Share Capital Structure
Banca Profilo S.p.A. has completed the filing with the competent Companies Register of its updated Articles of Association and the new structure of its share capital, marking the formal effectiveness of recent corporate decisions on governance and ca...
Arepo BP to Liquidate and Transfer Banca Profilo Stake Directly to Sator Fund Investors
Arepo BP S.p.A., the controlling shareholder of Banca Profilo S.p.A., has approved the start of a voluntary liquidation process to allow investors in the Sator Private Equity Fund “A” L.P. to directly own the bank’s shares that Arep...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Nov 01, 2026