BPER Banca SpAWBO:BPE -1.15%55 ROE % is 8.36% as of Dec. 2025, which is 0% above its 10-year median of 8.32. GuruFocus rates WBO:BPE with a GF Score™ of 55/100 and a GF Value™ of €5.04 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,524 Banks companies, BPER Banca SpA ranks better than 70.01% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. BPER Banca SpA's annualized net income for the quarter that ended in Dec. 2025 was €1,360 Mil. BPER Banca SpA's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was €16,272 Mil. Therefore, BPER Banca SpA's annualized ROE % for the quarter that ended in Dec. 2025 was 8.36%.
The historical rank and industry rank for BPER Banca SpA's ROE % or its related term are showing as below:
WBO:BPE'
s ROE % Range Over the Past 10 Years
Min: 0.29 Med: 8.32 Max: 19.8
Current: 13.01
During the past 13 years, BPER Banca SpA's highest ROE % was 19.80%. The lowest was 0.29%. And the median was 8.32%.
WBO:BPE's ROE % is ranked better than 70.01% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs WBO:BPE: 13.01
BPER Banca SpA (WBO:BPE) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
BPER Banca SpA ROE % Related Terms
BPER Banca SpA ROE % Historical Data
* Premium members only.
The historical data trend for BPER Banca SpA's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, BPER Banca SpA's ROE % distribution charts can be found below:
* The bar in red indicates where BPER Banca SpA's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
BPER Banca SpA (WBO:BPE) has a ROE % of 8.36% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on BPER Banca SpA and its competitors. This is near median its historical median of 8.32. Over the past decade, BPER Banca SpA's ROE % has ranged from 0.29 to 19.80. According to the industry distribution chart, BPER Banca SpA ranks #457 out of 1524 companies in the Banks industry, placing it in the top 30%.
Is BPER Banca SpA's ROE % too high?
BPER Banca SpA's current ROE % of 8.36% is near median its 10-year median of 8.32. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 19.80. The Banks industry median ROE % is 10.22. BPER Banca SpA's value of 8.36% is 18.2% below this industry median. Based on the distribution chart, BPER Banca SpA ranks #457 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, BPER Banca SpA has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BPER Banca SpA's ROE % compare to competitors?
According to the Banks industry distribution chart, BPER Banca SpA ranks #457 out of 1524 companies for ROE %. This puts BPER Banca SpA in the upper half of its industry. The industry median ROE % is 10.22. BPER Banca SpA's value of 8.36% is 18.2% below this benchmark. Historically, BPER Banca SpA's own ROE % has ranged from 0.29 to 19.80 over the past decade. While the company's 10-year median is 8.32 vs. the industry median of 10.22, BPER Banca SpA has consistently been below 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BPER Banca SpA's current ROE % of 8.36% is 18.2% below 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on BPER Banca SpA and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BPER Banca SpA's current ROE % is 8.36%, which is near median its own 10-year median of 8.32. 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 (WBO:BPE) is currently considered Significantly Overvalued. The stock's GF Value™ is €5.04, compared to a current price of €13.39 — trading 165.6% above its estimated fair value. The current ROE % is 8.36%, which is near median its 10-year median of 8.32 and 18.2% below the Banks industry median of 10.22. BPER Banca SpA's overall GF Score™ is 55/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For BPER Banca SpA (WBO:BPE), the current ROE % is 8.36% 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 (WBO:BPE) Overvalued in 2026?
Based on GuruFocus' analysis, BPER Banca SpA stock appears to be overvalued.
The current stock price of €13.39 is trading 165.6% above its estimated GF Value™ of €5.04.
GuruFocus considers BPER Banca SpA to be Significantly Overvalued.
Key valuation signals for WBO:BPE:
ROE %: 8.36% (near median its 10-year median of 8.32)
GF Value™: €5.04 vs. price of €13.39 (165.6% above fair value)
Industry Position: 18.2% below the Banks median (#457 of 1524)
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 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
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