Financials Banca Popolare di Sondrio S.p.A.

Equities

Real-time Borsa Italiana Other stock markets 14:03:23 17/02/2026 GMT			5-day change	1st Jan Change
16.90 ^EUR	-0.41%		-7.37%	+1.53%

02-16	Rally on Milan Stock Exchange Led by BPER and UniCredit	AN
02-16	Futures Signal Moderate Gains in Europe	AN

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	819.7	1,029	1,070	1,468	1,655	1,693	1,712	1,743
Change	-	25.54%	3.94%	37.22%	12.77%	2.3%	1.09%	1.86%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	222.8	485.2	476.5	913.5	1,009	954	1,048	1,025
Change	-	117.81%	-1.8%	91.72%	10.49%	-5.48%	9.9%	-2.28%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	156.9	374.5	353.9	660.3	840.7	945.7	898.9	838.5
Change	-	138.65%	-5.5%	86.58%	27.33%	12.49%	-4.95%	-6.73%
Net income ¹	106.6	268.6	251.3	461.2	574.9	648	627.3	590.5
Change	-	151.98%	-6.43%	83.5%	24.67%	12.71%	-3.19%	-5.88%
Announcement Date	05/02/21	10/02/22	08/02/23	07/02/24	06/02/25	03/02/26	-	-

¹EUR in Million

Estimates

Fiscal Period: December	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4
Net sales ¹	264.8	246.8	258.5	249.2	274.4	231.4	252.9	246.7	339.2	331.6	354.5	359.4	422.1	409.2	403.7	417.1	425.1	419.4	435	0.4189	419.9
Change	-	-6.78%	4.72%	-3.6%	10.11%	-15.67%	9.29%	-2.45%	37.49%	-2.24%	6.91%	1.39%	17.44%	-3.06%	-1.34%	3.32%	1.92%	-1.35%	3.73%	-99.9%	100,138.72%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	108.5	106.5	119.1	125.5	131.9	77.74	105	121.9	180.6	154	195.9	222.7	270.7	258.4	236.6	267.7	246.5	261.4	260.2	-	174.2
Change	-	-1.86%	11.83%	5.37%	5.1%	-41.06%	35.06%	16.1%	48.15%	-14.72%	27.19%	13.69%	21.54%	-4.55%	-8.43%	13.14%	-7.92%	6.04%	-0.46%	-	41.22%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT)	-	86.81	106.1	93.3	-	57.1	96.8	63.7	136.3	134.1	167.8	205.1	153.3	209.8	177.3	242.8	210.8	252.3	-	-	-
Change	-	-	22.22%	-12.06%	-	-	69.52%	-34.19%	113.97%	-1.6%	25.11%	22.21%	-25.24%	36.88%	-15.51%	36.94%	-13.18%	19.67%	-	-	-
Net income ¹	42.15	59.26	77.4	64.8	67.2	40.3	64.8	46.2	100	94.41	112.7	141.5	112.6	145.2	118.3	168.3	143.1	173.3	162.9	0.1765	135.3
Change	-	40.6%	30.61%	-16.28%	3.7%	-40.03%	60.79%	-28.7%	116.45%	-5.59%	19.38%	25.56%	-20.43%	28.98%	-18.54%	42.27%	-14.97%	21.11%	-6.01%	-99.89%	76,557.22%
Announcement Date	05/02/21	10/05/21	05/08/21	09/11/21	10/02/22	10/05/22	05/08/22	08/11/22	08/02/23	10/05/23	09/08/23	08/11/23	07/02/24	07/05/24	06/08/24	05/11/24	06/02/25	06/05/25	05/08/25	06/11/25	03/02/26

¹EUR in Million

Estimates

¹EUR in Million

Estimates

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	05/02/21	10/02/22	08/02/23	07/02/24	06/02/25	03/02/26	-	-

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	16.08	32.09	39.09	111.9	100.5	100.9
Change	-	99.61%	21.82%	186.26%	-10.17%	0.37%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	16/09/20	12/05/21	08/04/22	05/04/23	14/05/24	08/04/25

¹EUR in Million

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	27.18%	47.15%	44.55%	62.24%	60.98%	56.34%	61.25%	58.76%
EBT Margin (%)	-	19.14%	36.39%	33.09%	44.99%	50.8%	55.86%	52.52%	48.09%
Net margin (%)	-	13%	26.1%	23.5%	31.42%	34.74%	38.27%	36.65%	33.87%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	-	-	0.45%	0.8%	1.01%	1.03%	0.93%	0.9%
ROE	-	3.65%	8.57%	7.55%	13.8%	14.44%	13.7%	12%	12.25%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	0.06	0.2	-	0.56	0.8	1.275	1.177	1.107
Change	-	-	233.33%	-	-	42.86%	59.34%	-7.7%	-5.91%
Book Value Per Share ¹	-	-	7.272	7.467	8.402	9.241	9	9.732	9.833
Change	-	-	-	2.68%	12.52%	9.99%	-2.61%	8.14%	1.04%
EPS ¹	-	0.235	0.593	0.554	1.017	1.277	1.44	1.384	1.302
Change	-	-	152.34%	-6.58%	83.57%	25.57%	12.76%	-10.26%	-5.95%
Nbr of stocks (in thousands)	-	449,706	449,699	449,708	449,716	449,789	449,821	449,821	449,821
Announcement Date	-	05/02/21	10/02/22	08/02/23	07/02/24	06/02/25	03/02/26	-	-