BPER Banca SpA (WBO:BPE) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

WBO:BPE BPER Banca SpA WBO:BPE
55 GF Score
Price €13.95
GF Value €5.02
Valuation Significantly Overvalued
! 8 Warning Signs
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What is BPER Banca SpA Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of BPER Banca SpA is: High Risk: High uncertainty with risk-return tradeoff.

BPER Banca SpA  (WBO:BPE) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

BPER Banca SpA Risk Assessment Related Terms

BPER Banca SpA Risk Assessment Competitor Comparison

For the Banks - Regional subindustry, BPER Banca SpA's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 Risk Assessment vs Banks Industry

For the Banks industry and Financial Services sector, BPER Banca SpA's Risk Assessment distribution charts can be found below:

* The bar in red indicates where BPER Banca SpA's Risk Assessment falls into.


WBO:BPE
55GF Score
BPER Banca SpA WBO:BPE
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is BPER Banca SpA (WBO:BPE) Overvalued in 2026?

Based on GuruFocus' analysis, BPER Banca SpA stock appears to be overvalued. The current stock price of €13.95 is trading 177.8% above its estimated GF Value™ of €5.02. GuruFocus considers BPER Banca SpA to be Significantly Overvalued.

Key valuation signals for WBO:BPE:

  • Risk Assessment:
  • GF Value™: €5.02 vs. price of €13.95 (177.8% above fair value)
  • GF Score™: 55/100 with 8 warning signs

No single metric tells the full story. See the WBO:BPE 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.
55GF Score

Get the complete analysis for WBO:BPE

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

€13.95
Price
€5.02
GF Value