BIT/BGN (BIT/BGN)

Borsa Italiana: BIT/BGN · EUR

€60.7

+0.55 (+0.9%)· Recorded snapshot

Market cap	6.9B
Revenue (ttm)	1.1B
Net income (ttm)	524.4M
EPS (ttm)	€4.60
Shares out	114.3M
P/E (trailing)	13.2x
P/E (forward)	15.8x
Dividend	€2.90 (4.78%)
Volume	156,573
Beta	0.72

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 1.1B
Net income (ttm): 524.4M
EPS (ttm): €4.60
P/E (trailing): 13.2x
P/E (forward): 15.8x
Market cap: 6.9B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E15.8

P25 n/aP50 n/aP75 n/a

Trailing P/E13.2

P25 n/aP50 n/aP75 n/a

ROE36.5

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BIT/BGN indicators

Market & fundamental data

Available fields

203

Groups with data

Currency

EUR

Showing 203 of 203 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	EUR
Country	Italy
Country code	IT
Earnings date	2026-11-10
Employees	1,308
Employees change	43
Employees growth	3.4%
Exchange	Borsa Italiana
Financial currency	EUR
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1997
Industry	Banks - Regional
Is primary listing	Yes
ISIN number	IT0001031084
Last earnings date	2026-07-29
Last refreshed	2026-10-28
Market cap	EUR 6.9B
Next earnings date	2026-11-10
Price	EUR 60.70
Price currency	EUR
Sector	Financials
SIC code	6020
Stock price date	2026-10-28
Symbol	bit/BGN
Website	https://www.bancagenerali.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	13.3x
Average P/E ratio (3Y)	12.65x
Average P/E ratio (5Y)	13.32x
Earnings yield	7.57%
FCF yield	-13.26%
Forward P/E	15.83x
Graham number	35.7025
Graham upside	-40.5%
Industry forward P/E	10.58x
Industry P/E	11.38x
Lynch fair value	EUR 43.69
Lynch upside	-27.18%
P/B ratio	4.54x
P/E ratio	13.2x
P/S ratio	6.05x
PEG ratio	2x
Price / tangible book value	5.31x
Sector forward P/E	10.82x
Sector P/E	11.69x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	21.04%
Operating margin	61.58%
Pretax margin	58.48%
Profit margin	46.14%
Profit per employee	EUR 400,907
Profitable quarters	70
Profitable years	22
Revenue per employee	EUR 868,807
ROA	2.88%
ROA (5Y)	2.13%
ROE	36.49%
ROE (5Y)	27.6%
Tax / revenue	12.31%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	33.97%
EPS growth (Q)	70.47%
EPS growth (QoQ)	19.82%
EPS growth 10Y	15.13%
EPS growth 3Y	26.98%
EPS growth 5Y	9.8%
EPS growth quarters	4
EPS growth years	3
Net income growth	33.83%
Net income growth (Q)	69.46%
Net income growth (QoQ)	20.44%
Net income growth 3Y	26.87%
Net income growth 5Y	9.5%
Net income growth quarters	4
Net income growth years	3
Revenue growth	16.79%
Revenue growth (Q)	46.41%
Revenue growth (QoQ)	18.95%
Revenue growth 10Y	11.87%
Revenue growth 3Y	16.28%
Revenue growth 5Y	8.3%
Revenue growth quarters	1
Revenue growth years	3

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	EUR -1.3M
EPS	EUR 4.60
FCF per share	EUR -7.98
Financing cash flow	EUR 703.7M
Free cash flow	EUR -911.9M
Gross profit	EUR 1.1B
Income taxes	EUR 139.9M
Investing cash flow	EUR -47.9M
Net cash flow	EUR -254.7M
Net income	EUR 524.4M
Operating income	EUR 699.8M
Revenue	EUR 1.1B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	EUR 12.32
Debt / equity	1.31
Goodwill	EUR 143.7M
Net cash (debt)	EUR -666.4M
Net cash / market cap	-9.69%
Net debt / equity	0.44
Piotroski F-Score	2
Property, plant and equipment	EUR 134.1M
Shareholders' equity	EUR 1.5B
Tangible book value	EUR 1.3B
Tangible book value per share	EUR 10.42
Total assets	EUR 18.8B
Total cash	EUR 1.3B
Total debt	EUR 2B
Total liabilities	EUR 17.3B
WACC	6.36%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	EUR -14.5B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-0.01%
Dividend growth	-75.44%
Dividend growth (10Y)	-4.15%
Dividend growth (3Y)	-24.86%
Dividend growth (5Y)	-26.66%
Dividend growth years	4
Dividend payment date	2027-02-24
Dividend payment years	6
Dividend payout frequency	Semi-Annual
Dividend per share	EUR 2.90
Dividend yield	4.78%
Ex-dividend date	2027-02-22
Last dividend	EUR 0.70
Payout ratio	64.31%
Shareholder yield	4.82%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	191.41%
10Y return CAGR	16.77%
10Y total return	371.16%
150-day SMA	EUR 61.43
15Y price change	709.87%
15Y return CAGR	20.73%
15Y total return	1,587.01%
1D price change	0.91%
1M price change	-5.08%
1M total return	-5.08%
1W price change	2.71%
1W total return	2.71%
1Y price change	25.41%
1Y return CAGR	32.07%
1Y total return	32.04%
20-day SMA	EUR 60.54
200-day SMA	EUR 59.59
3M price change	-6.83%
3M total return	-6.83%
3Y price change	99.41%
3Y return CAGR	32.79%
3Y total return	134.22%
50-day SMA	EUR 63.61
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 69.75
52-week high date	2026-08-20
52-week low	EUR 48.10
52-week low date	2025-10-28
5Y price change	49.32%
5Y return CAGR	15.93%
5Y total return	109.39%
6M price change	7.91%
6M total return	12.3%
All-time high	EUR 69.75
All-time high date	2026-08-20
All-time low	EUR 1.93
All-time low date	2009-03-09
Average true range (ATR)	EUR 1.70
Average volume	187.1K
Beta (1Y)	0.74
Beta (2Y)	0.84
Beta (5Y)	0.72
Change from 52-week high	-12.97%
Change from 52-week low	26.2%
Change from all-time high	-12.97%
Change from all-time low	3,053.25%
Change from open	1.17%
Day's gap	-0.25%
Dollar volume	EUR 9.5M
High price	EUR 60.70
Low price	EUR 59.80
Monthly RSI	62
Open price	EUR 60.00
Position in 52-week range	100%
Previous close	EUR 60.15
Price vs 150-day SMA	-1.18%
Price vs 20-day SMA	0.27%
Price vs 200-day SMA	1.86%
Price vs 50-day SMA	-4.58%
Relative volume	0.86
RSI	47.12
Sharpe ratio	1.04
Sharpe ratio (3Y)	1.2
Sharpe ratio (5Y)	0.5
Sortino ratio	1.85
Sortino ratio (3Y)	2.08
Sortino ratio (5Y)	0.97
Volume	156.6K
Weekly RSI	48.06
YTD price change	6.12%
YTD total return	11.73%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	55.6M
Shares change (QoQ)	0.18%
Shares change (YoY)	0.01%
Shares held by insiders	0.06%
Shares held by institutions	21.09%
Shares outstanding	114.3M

Deeper analysis on BIT/BGN

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this BIT/BGN report

Is a complete BIT/BGN research report available?

No complete published report is available for bit/BGN (BIT/BGN) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BIT/BGN (BIT/BGN)

Price

Financial snapshot

Fair-value bridge

Latest news · BIT/BGN

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BIT/BGN indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BIT/BGN

Frequently asked questions