PortfoliosLab logo
PortfoliosLab logo
Tools
Performance Analysis
Portfolio Analysis
Factor Model
Portfolios
Lazy PortfoliosUser Portfolios
Discussions
Banca Popolare di Sondrio S.p.A (BPSO.MI)
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN

IT0000784196

Sector

Financial Services

Highlights

Market Cap

€4.44B

EPS (TTM)

€1.28

PE Ratio

7.39

Total Revenue (TTM)

€1.30B

Year Range

€5.90 - €10.04

Target Price

€8.48

Share Price Chart


Loading data...

Compare to other instruments

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.


Performance

Performance Chart

The chart shows the growth of an initial investment of €10,000 in Banca Popolare di Sondrio S.p.A, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


0.00%10.00%20.00%30.00%40.00%50.00%SeptemberOctoberNovemberDecember2025February
47.73%
17.58%
BPSO.MI (Banca Popolare di Sondrio S.p.A)
Benchmark (^GSPC)

Returns By Period

Banca Popolare di Sondrio S.p.A had a return of 18.73% year-to-date (YTD) and 52.11% in the last 12 months. Over the past 10 years, Banca Popolare di Sondrio S.p.A had an annualized return of 12.75%, outperforming the S&P 500 benchmark which had an annualized return of 11.21%.


BPSO.MI

YTD

18.73%

1M

16.80%

6M

47.56%

1Y

52.11%

5Y*

37.84%

10Y*

12.75%

^GSPC (Benchmark)

YTD

2.90%

1M

3.70%

6M

10.94%

1Y

22.18%

5Y*

12.41%

10Y*

11.21%

*Annualized

Monthly Returns

The table below presents the monthly returns of BPSO.MI, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20259.77%18.73%
202420.31%-1.92%0.36%13.26%-1.82%-7.16%5.39%-0.78%-1.57%-0.15%4.88%13.06%48.99%
202319.20%6.61%-18.53%5.31%-8.98%9.03%15.14%-0.18%11.17%5.62%10.39%3.08%66.18%
20220.38%-4.52%4.91%2.26%5.38%-13.25%-1.52%-1.05%5.93%7.02%5.89%-1.66%8.12%
2021-7.91%17.77%19.70%22.55%17.85%-9.95%1.64%3.60%-4.31%1.90%-8.95%8.13%70.69%
2020-7.78%11.01%-36.10%4.93%0.42%15.69%11.60%7.36%-11.17%-15.77%48.77%-1.87%4.36%
2019-11.55%10.56%-5.28%-0.49%-12.33%-6.12%-3.48%-9.62%-1.18%6.61%19.82%-1.77%-17.95%
20186.77%2.46%-3.36%21.81%-9.49%-0.92%7.54%-9.55%-2.03%-15.15%-1.37%-4.29%-11.84%
20174.80%-8.42%7.53%5.88%1.82%0.88%7.01%-5.63%4.41%-6.65%-1.70%-8.86%-1.03%
2016-15.37%-7.34%-5.34%5.71%-7.45%-21.67%4.86%-0.25%3.24%22.09%-1.71%4.68%-22.84%
201511.44%18.67%3.86%-4.09%8.76%-0.05%5.99%-5.01%-7.04%1.47%3.76%-3.67%35.92%
2014-1.15%2.99%15.62%4.87%-5.30%-10.08%-5.13%1.76%-1.62%-6.28%0.44%-3.49%-9.29%

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

With an overall rank of 82, BPSO.MI is among the top 18% of stocks on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.


The Risk-Adjusted Performance Rank of BPSO.MI is 8282
Overall Rank
The Sharpe Ratio Rank of BPSO.MI is 9090
Sharpe Ratio Rank
The Sortino Ratio Rank of BPSO.MI is 8686
Sortino Ratio Rank
The Omega Ratio Rank of BPSO.MI is 8383
Omega Ratio Rank
The Calmar Ratio Rank of BPSO.MI is 6767
Calmar Ratio Rank
The Martin Ratio Rank of BPSO.MI is 8484
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

Risk-Adjusted Performance Indicators

The charts below present risk-adjusted performance metrics for Banca Popolare di Sondrio S.p.A (BPSO.MI) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.


Sharpe ratio
The chart of Sharpe ratio for BPSO.MI, currently valued at 1.78, compared to the broader market-2.000.002.004.001.781.59
The chart of Sortino ratio for BPSO.MI, currently valued at 2.46, compared to the broader market-6.00-4.00-2.000.002.004.002.462.16
The chart of Omega ratio for BPSO.MI, currently valued at 1.30, compared to the broader market0.501.001.502.001.301.29
The chart of Calmar ratio for BPSO.MI, currently valued at 0.52, compared to the broader market0.002.004.006.000.522.40
The chart of Martin ratio for BPSO.MI, currently valued at 6.39, compared to the broader market0.0010.0020.0030.006.399.79
BPSO.MI
^GSPC

The current Banca Popolare di Sondrio S.p.A Sharpe ratio is 1.78. This value is calculated based on the past 1 year of trading data and takes into account price changes and dividends.

Use the chart below to compare the Sharpe ratio of Banca Popolare di Sondrio S.p.A with the selected benchmark, providing insights into the investment's historical performance in terms of risk-adjusted returns. Go to the Sharpe ratio tool for more fine-grained control over the calculation options.


Rolling 12-month Sharpe Ratio1.001.502.002.503.00SeptemberOctoberNovemberDecember2025February
1.78
1.86
BPSO.MI (Banca Popolare di Sondrio S.p.A)
Benchmark (^GSPC)

Dividends

Dividend History

Banca Popolare di Sondrio S.p.A provided a 5.79% dividend yield over the last twelve months, with an annual payout of €0.56 per share. The company has been increasing its dividends for 3 consecutive years.


0.00%1.00%2.00%3.00%4.00%5.00%6.00%7.00%€0.00€0.10€0.20€0.30€0.40€0.50€0.6020142015201620172018201920202021202220232024
Dividends
Dividend Yield
PeriodTTM20242023202220212020201920182017201620152014
Dividend€0.56€0.56€0.28€0.20€0.06€0.00€0.05€0.07€0.06€0.07€0.06€0.04

Dividend yield

5.79%6.88%4.78%5.29%1.62%0.00%2.37%2.66%1.97%2.24%1.45%1.33%

Monthly Dividends

The table displays the monthly dividend distributions for Banca Popolare di Sondrio S.p.A. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2025€0.00€0.00€0.00
2024€0.00€0.00€0.00€0.00€0.56€0.00€0.00€0.00€0.00€0.00€0.00€0.00€0.56
2023€0.00€0.00€0.00€0.00€0.28€0.00€0.00€0.00€0.00€0.00€0.00€0.00€0.28
2022€0.00€0.00€0.00€0.00€0.20€0.00€0.00€0.00€0.00€0.00€0.00€0.00€0.20
2021€0.00€0.00€0.00€0.00€0.06€0.00€0.00€0.00€0.00€0.00€0.00€0.00€0.06
2020€0.00€0.00€0.00€0.00€0.00€0.00€0.00€0.00€0.00€0.00€0.00€0.00€0.00
2019€0.00€0.00€0.00€0.00€0.05€0.00€0.00€0.00€0.00€0.00€0.00€0.00€0.05
2018€0.00€0.00€0.00€0.00€0.07€0.00€0.00€0.00€0.00€0.00€0.00€0.00€0.07
2017€0.00€0.00€0.00€0.00€0.06€0.00€0.00€0.00€0.00€0.00€0.00€0.00€0.06
2016€0.00€0.00€0.00€0.00€0.07€0.00€0.00€0.00€0.00€0.00€0.00€0.00€0.07
2015€0.00€0.00€0.00€0.00€0.06€0.00€0.00€0.00€0.00€0.00€0.00€0.00€0.06
2014€0.04€0.00€0.00€0.00€0.00€0.00€0.00€0.00€0.04

Dividend Yield & Payout


Dividend Yield
5.0%10.0%15.0%20.0%5.8%
Banca Popolare di Sondrio S.p.A has a dividend yield of 5.79%, which means its dividend payment is significantly above the market average.
Payout Ratio
200.0%400.0%600.0%800.0%58.3%
Banca Popolare di Sondrio S.p.A has a payout ratio of 58.32%, which is quite average when compared to the overall market. This suggests that Banca Popolare di Sondrio S.p.A strikes a balance between reinvesting profits for growth and paying dividends to shareholders.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


-100.00%-80.00%-60.00%-40.00%-20.00%0.00%SeptemberOctoberNovemberDecember2025February
-99.69%
-1.03%
BPSO.MI (Banca Popolare di Sondrio S.p.A)
Benchmark (^GSPC)

Worst Drawdowns

The table below displays the maximum drawdowns of the Banca Popolare di Sondrio S.p.A. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Banca Popolare di Sondrio S.p.A was 99.97%, occurring on May 25, 2020. The portfolio has not yet recovered.

The current Banca Popolare di Sondrio S.p.A drawdown is 99.69%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-99.97%Nov 27, 19985447May 25, 2020
-25.47%Oct 11, 199314Oct 28, 1993977Sep 15, 1997991
-12.35%Apr 6, 199816Apr 28, 199852Jul 10, 199868
-10.57%Mar 23, 199282Jul 20, 199259Oct 9, 1992141
-10%Jul 21, 199856Oct 6, 199831Nov 18, 199887

Volatility

Volatility Chart

The current Banca Popolare di Sondrio S.p.A volatility is 8.58%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.


2.00%4.00%6.00%8.00%10.00%SeptemberOctoberNovemberDecember2025February
8.58%
4.05%
BPSO.MI (Banca Popolare di Sondrio S.p.A)
Benchmark (^GSPC)

Financials

Financial Performance

The chart below illustrates the trends in the financial health of Banca Popolare di Sondrio S.p.A over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

Annual
Quarterly

0.0

Valuation

The Valuation section provides an assessment of the market value of Banca Popolare di Sondrio S.p.A compared to its peers in the Banks - Regional industry.


PE Ratio
20.040.060.080.0100.0120.07.4
The chart displays the price to earnings (P/E) ratio for BPSO.MI in comparison to other companies of the Banks - Regional industry. Currently, BPSO.MI has a PE value of 7.4. This PE value is considered to be low compared to the rest of the industry.
PEG Ratio
-5.00.05.010.015.00.0
The chart displays the price to earnings to growth (PEG) ratio for BPSO.MI in comparison to other companies of the Banks - Regional industry. Currently, BPSO.MI has a PEG value of 0.0. This PEG ratio falls in the average range for the industry.

Historical P/E Ratio Chart

The chart below displays the historical trend of the price-to-earnings (P/E) ratio for Banca Popolare di Sondrio S.p.A.


Loading data...

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items
PortfoliosLab logo
Performance Analysis
Portfolio AnalysisPortfolio PerformanceStock ComparisonSharpe RatioMartin RatioTreynor RatioSortino RatioOmega RatioCalmar RatioSummers Ratio
Community
Discussions


Disclaimer

The information contained herein does not constitute investment advice and made available for educational purposes only. Prices and returns on equities are listed without consideration of fees, commissions, taxes, penalties, or interest payable due to purchasing, holding, or selling.

Copyright © 2025 PortfoliosLab