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BPER Banca SpABPERF +3.99%40 Debt-to-Equity is 1.50 as of Dec. 2025, which is 12% below its 10-year median of 1.70. 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. Among 1,421 Banks companies, BPER Banca SpA ranks worse than 64.95% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for BPER Banca SpA's Debt-to-Equity or its related term are showing as below:
BPERF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.1 Med: 1.7 Max: 2.3
Current: 0.92
During the past 13 years, the highest Debt-to-Equity Ratio of BPER Banca SpA was 2.30. The lowest was 1.10. And the median was 1.70.
BPERF's Debt-to-Equity is ranked worse than 64.95% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs BPERF: 0.92
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
BPER Banca SpA Debt-to-Equity Related Terms
BPER Banca SpA Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for BPER Banca SpA's Debt-to-Equity 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.
For the Banks - Regional subindustry, BPER Banca SpA's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
BPER Banca SpA Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, BPER Banca SpA's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where BPER Banca SpA's Debt-to-Equity falls into.
* 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 (BPERF) has a Debt-to-Equity of 1.50 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on BPER Banca SpA and its competitors. This is 12% below median its historical median of 1.70. Over the past decade, BPER Banca SpA's Debt-to-Equity has ranged from 1.10 to 2.30. According to the industry distribution chart, BPER Banca SpA ranks #923 out of 1421 companies in the Banks industry, placing it in the top 65%.
Is BPER Banca SpA's Debt-to-Equity too high?
BPER Banca SpA's current Debt-to-Equity of 1.50 is 12% below median its 10-year median of 1.70. Over the past 10 years, this metric has ranged from a low of 1.10 to a high of 2.30. The Banks industry median Debt-to-Equity is 0.58. BPER Banca SpA's value of 1.50 is 158.6% above this industry median. Based on the distribution chart, BPER Banca SpA ranks #923 out of 1421 companies in the Banks industry, which is below the industry midpoint. 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 Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, BPER Banca SpA ranks #923 out of 1421 companies for Debt-to-Equity. This places BPER Banca SpA in the lower half of its industry. The industry median Debt-to-Equity is 0.58. BPER Banca SpA's value of 1.50 is 158.6% above this benchmark. Historically, BPER Banca SpA's own Debt-to-Equity has ranged from 1.10 to 2.30 over the past decade. While the company's 10-year median is 1.70 vs. the industry median of 0.58, BPER Banca SpA has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BPER Banca SpA's current Debt-to-Equity of 1.50 is 158.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on BPER Banca SpA and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BPER Banca SpA's current Debt-to-Equity is 1.50, which is 12% below median its own 10-year median of 1.70. 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 Debt-to-Equity is 1.50, which is 12% below median its 10-year median of 1.70 and 158.6% above the Banks industry median of 0.58. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For BPER Banca SpA (BPERF), the current Debt-to-Equity is 1.50 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:
Debt-to-Equity: 1.50 (12% below median its 10-year median of 1.70)
GF Value™: $5.53 vs. price of $15.65 (183% above fair value)
Industry Position: 158.6% above the Banks median (#923 of 1421)
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 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.
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