BPER Banca SpA (HAM:4BE) Interest Expense: €-1,056 Mil (TTM As of Dec. 2025)


HAM:4BE BPER Banca SpA HAM:4BE
44 GF Score
Price €13.95
GF Value €4.94
Valuation Significantly Overvalued
! 8 Warning Signs
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What is BPER Banca SpA Interest Expense?

BPER Banca SpA HAM:4BE -0.19% 44 Interest Expense is €-1,056 Mil as of Dec. 2025. GuruFocus rates HAM:4BE with a GF Score™ of 44/100 and a GF Value™ of €4.94 (Significantly Overvalued). The stock has 8 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. BPER Banca SpA's interest expense for the three months ended in Dec. 2025 was € -353 Mil. Its interest expense for the trailing twelve months (TTM) ended in Dec. 2025 was €-1,056 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. BPER Banca SpA's Operating Income for the three months ended in Dec. 2025 was € Mil. BPER Banca SpA's Interest Expense for the three months ended in Dec. 2025 was € Mil. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

BPER Banca SpA Interest Expense Historical Data

* Premium members only.

The historical data trend for BPER Banca SpA's Interest Expense 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 Interest Expense Chart

BPER Banca SpA Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only -257.38 -433.57 -1,510.81 -1,636.67 -1,371.62

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
Interest Expense 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 -315.94 -278.85 -424.27 -352.56 0.00
HAM:4BE
44GF Score
BPER Banca SpA HAM:4BE
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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BPER Banca SpA Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was €-1,056 Mil.

* 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.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of €-1,056 Mil mean?
BPER Banca SpA (HAM:4BE) has a Interest Expense of €-1,056 Mil as of Dec. 2025. Interest Expense is the amount a company pays on its long-term debt. View historical data on BPER Banca SpA and its competitors.
Is BPER Banca SpA's Interest Expense too high?
BPER Banca SpA's current Interest Expense is €-1,056 Mil. Overall, BPER Banca SpA has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BPER Banca SpA's Interest Expense compare to competitors?
BPER Banca SpA's Interest Expense of €-1,056 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 Interest Expense for a Banks company?
A good Interest Expense depends on the Banks industry context. However, Interest Expense 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 Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on BPER Banca SpA and its competitors. BPER Banca SpA's current Interest Expense is €-1,056 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 (HAM:4BE) is currently considered Significantly Overvalued. The stock's GF Value™ is €4.94, compared to a current price of €13.95 — trading 182.3% above its estimated fair value. The current Interest Expense is €-1,056 Mil. BPER Banca SpA's overall GF Score™ is 44/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For BPER Banca SpA (HAM:4BE), the current Interest Expense is €-1,056 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 (HAM:4BE) Overvalued in 2026?

Based on GuruFocus' analysis, BPER Banca SpA stock appears to be overvalued. The current stock price of €13.95 is trading 182.3% above its estimated GF Value™ of €4.94. GuruFocus considers BPER Banca SpA to be Significantly Overvalued.

Key valuation signals for HAM:4BE:

  • Interest Expense: €-1,056 Mil
  • GF Value™: €4.94 vs. price of €13.95 (182.3% above fair value)
  • GF Score™: 44/100 with 8 warning signs

No single metric tells the full story. See the HAM:4BE 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.
44GF Score

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

€13.95
Price
€4.94
GF Value