BPERF (BPER Banca SpA) Net Loan: $147,883 Mil (As of Dec. 2025)

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BPERF BPER Banca SpA BPERF
40 GF Score
Price $15.65
GF Value $5.53
Valuation Significantly Overvalued
! 8 Warning Signs
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What is BPER Banca SpA Net Loan?

BPER Banca SpA BPERF +3.99% 40 Net Loan is $147,883 Mil as of Dec. 2025. GuruFocus rates BPERF with a GF Score™ of 40/100 and a GF Value™ of $5.53 (Significantly Overvalued). The stock has 8 warning signs investors should review.

BPER Banca SpA's quarterly net loan increased from Jun. 2025 ($103,944 Mil) to Sep. 2025 ($144,592 Mil) and increased from Sep. 2025 ($144,592 Mil) to Dec. 2025 ($147,883 Mil).

BPER Banca SpA's annual net loan declined from Dec. 2023 ($93,425 Mil) to Dec. 2024 ($144,592 Mil) but then increased from Dec. 2024 ($144,592 Mil) to Dec. 2025 ($147,883 Mil).

BPER Banca SpA Net Loan Historical Data

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The historical data trend for BPER Banca SpA's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

BPER Banca SpA Net Loan Chart

BPER Banca SpA Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 87,118.57 94,645.18 93,425.05 91,815.21 147,883.30

BPER Banca SpA Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 94,407.96 103,944.33 144,591.86 147,883.30 197,542.03
BPERF
40GF Score
BPER Banca SpA BPERF
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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BPER Banca SpA Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $147,883 Mil mean?
BPER Banca SpA (BPERF) has a Net Loan of $147,883 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on BPER Banca SpA and its competitors.
Is BPER Banca SpA's Net Loan too high?
BPER Banca SpA's current Net Loan is $147,883 Mil. Overall, BPER Banca SpA has a GF Score™ of 40/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BPER Banca SpA's Net Loan compare to competitors?
BPER Banca SpA's Net Loan of $147,883 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on BPER Banca SpA and its competitors. BPER Banca SpA's current Net Loan is $147,883 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BPER Banca SpA stock overvalued right now?
Based on GuruFocus' analysis, BPER Banca SpA (BPERF) is currently considered Significantly Overvalued. The stock's GF Value™ is $5.53, compared to a current price of $15.65 — trading 183% above its estimated fair value. The current Net Loan is $147,883 Mil. BPER Banca SpA's overall GF Score™ is 40/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For BPER Banca SpA (BPERF), the current Net Loan is $147,883 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is BPER Banca SpA (BPERF) Overvalued in 2026?

Based on GuruFocus' analysis, BPER Banca SpA stock appears to be overvalued. The current stock price of $15.65 is trading 183% above its estimated GF Value™ of $5.53. GuruFocus considers BPER Banca SpA to be Significantly Overvalued.

Key valuation signals for BPERF:

  • Net Loan: $147,883 Mil
  • GF Value™: $5.53 vs. price of $15.65 (183% above fair value)
  • GF Score™: 40/100 with 8 warning signs

No single metric tells the full story. See the BPERF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

BPER Banca SpA Business Description

Address Via San Carlo 8/20, Modena, ITA, 41121
BPER Banca SpA is a banking group consisting of four Italian regional commercial banks that merged on the initiative of BPER Banca. The banks are involved in a number of market segments, including retail banking, corporate and investment banking, and wealth management and insurance. In addition to the banks, the Group includes product companies, including asset management, personal loans, leasing, and factoring operations, and special purpose vehicles. Its strategy emphasizes customer service and cooperative banking. BPER group's customer base overwhelming derives from retail banking, mostly from individuals with some business deposits. Its loan base, however, is principally the group's corporate customers.
40GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$15.65
Price
$5.53
GF Value