BANCA MONTE DEI PASCHI SIENA (BMPS.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:BMPS - IT0005508921 - Common Stock
7.591 EUR
-0.05 (-0.6%)
Taking everything into account, BMPS scores 4 out of 10 in our fundamental rating. BMPS was compared to 108 industry peers in the Banks industry. While BMPS is still in line with the averages on profitability rating, there are concerns on its financial health. BMPS has a correct valuation and a medium growth rate. BMPS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BMPS was profitable.
In the past year BMPS has reported a negative cash flow from operations.
In multiple years BMPS reported negative net income over the last 5 years.
In multiple years BMPS reported negative operating cash flow during the last 5 years.
1.2 Ratios
BMPS's Return On Assets of 1.99% is amongst the best of the industry. BMPS outperforms 93.52% of its industry peers.
BMPS has a Return On Equity of 21.83%. This is amongst the best in the industry. BMPS outperforms 91.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.99% | ||
| ROE | 21.83% | ||
| ROIC | N/A |
ROA(3y)1.04%
ROA(5y)0.44%
ROE(3y)11.68%
ROE(5y)2.17%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BMPS's Profit Margin of 39.59% is amongst the best of the industry. BMPS outperforms 90.74% of its industry peers.
In the last couple of years the Profit Margin of BMPS has grown nicely.
BMPS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 39.59% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y66.22%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BMPS does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BMPS has about the same amount of shares outstanding.
Compared to 5 years ago, BMPS has more shares outstanding
Compared to 1 year ago, BMPS has a worse debt to assets ratio.
2.2 Solvency
BMPS has a Debt/Equity ratio of 0.89. This is a neutral value indicating BMPS is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.89, BMPS is in the better half of the industry, outperforming 76.85% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.89 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.99%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BMPS have decreased by -4.91% in the last year.
Measured over the past years, BMPS shows a very strong growth in Earnings Per Share. The EPS has been growing by 71.59% on average per year.
BMPS shows a small growth in Revenue. In the last year, the Revenue has grown by 2.05%.
The Revenue has been growing slightly by 4.43% on average over the past years.
EPS 1Y (TTM)-4.91%
EPS 3Y71.59%
EPS 5YN/A
EPS Q2Q%-2.49%
Revenue 1Y (TTM)2.05%
Revenue growth 3Y11.13%
Revenue growth 5Y4.43%
Sales Q2Q%-0.7%
3.2 Future
The Earnings Per Share is expected to decrease by -12.49% on average over the next years. This is quite bad
The Revenue is expected to grow by 21.41% on average over the next years. This is a very strong growth
EPS Next Y-41.33%
EPS Next 2Y-25.38%
EPS Next 3Y-15.05%
EPS Next 5Y-12.49%
Revenue Next Year19.05%
Revenue Next 2Y26.4%
Revenue Next 3Y21.53%
Revenue Next 5Y21.41%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 4.90, the valuation of BMPS can be described as very cheap.
Based on the Price/Earnings ratio, BMPS is valued cheaply inside the industry as 96.30% of the companies are valued more expensively.
BMPS is valuated cheaply when we compare the Price/Earnings ratio to 26.46, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 8.80, the valuation of BMPS can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BMPS indicates a rather cheap valuation: BMPS is cheaper than 86.11% of the companies listed in the same industry.
BMPS is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.9 | ||
| Fwd PE | 8.8 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BMPS's earnings are expected to decrease with -15.05% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-25.38%
EPS Next 3Y-15.05%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 10.32%, BMPS is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.70, BMPS pays a better dividend. On top of this BMPS pays more dividend than 99.07% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, BMPS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.32% |
5.2 History
The dividend of BMPS is nicely growing with an annual growth rate of 378.21%!
Dividend Growth(5Y)378.21%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
BMPS pays out 43.18% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP43.18%
EPS Next 2Y-25.38%
EPS Next 3Y-15.05%
BIT:BMPS (12/5/2025, 7:00:00 PM)
7.591
-0.05 (-0.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners12.44%
Inst Owner ChangeN/A
Ins Owners2.49%
Ins Owner ChangeN/A
Market Cap23.06B
Revenue(TTM)6.39B
Net Income(TTM)2.50B
Analysts80
Price Target9.7 (27.78%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.32% |
Yearly Dividend0.25
Dividend Growth(5Y)378.21%
DP43.18%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)3.67%
PT rev (3m)7.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-19.09%
EPS NY rev (3m)-14.53%
Revenue NQ rev (1m)-0.45%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)24.22%
Revenue NY rev (3m)21.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.9 | ||
| Fwd PE | 8.8 | ||
| P/S | 3.65 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.01 | ||
| P/tB | 2.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.55
EY20.42%
EPS(NY)0.86
Fwd EY11.36%
FCF(TTM)-1.38
FCFYN/A
OCF(TTM)-1.36
OCFYN/A
SpS2.08
BVpS3.78
TBVpS3.73
PEG (NY)N/A
PEG (5Y)N/A
Graham Number11.47
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.99% | ||
| ROE | 21.83% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 39.59% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)1.04%
ROA(5y)0.44%
ROE(3y)11.68%
ROE(5y)2.17%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y66.22%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.89 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 36.79% | ||
| Cap/Sales | 1.02% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score3
WACC5.99%
ROIC/WACCN/A
Cap/Depr(3y)37.85%
Cap/Depr(5y)43.73%
Cap/Sales(3y)2.01%
Cap/Sales(5y)2.79%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-4.91%
EPS 3Y71.59%
EPS 5YN/A
EPS Q2Q%-2.49%
EPS Next Y-41.33%
EPS Next 2Y-25.38%
EPS Next 3Y-15.05%
EPS Next 5Y-12.49%
Revenue 1Y (TTM)2.05%
Revenue growth 3Y11.13%
Revenue growth 5Y4.43%
Sales Q2Q%-0.7%
Revenue Next Year19.05%
Revenue Next 2Y26.4%
Revenue Next 3Y21.53%
Revenue Next 5Y21.41%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-154.14%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-152.91%
OCF growth 3YN/A
OCF growth 5YN/A
BANCA MONTE DEI PASCHI SIENA / BMPS.MI FAQ
What is the fundamental rating for BMPS stock?
ChartMill assigns a fundamental rating of 4 / 10 to BMPS.MI.
Can you provide the valuation status for BANCA MONTE DEI PASCHI SIENA?
ChartMill assigns a valuation rating of 5 / 10 to BANCA MONTE DEI PASCHI SIENA (BMPS.MI). This can be considered as Fairly Valued.
What is the profitability of BMPS stock?
BANCA MONTE DEI PASCHI SIENA (BMPS.MI) has a profitability rating of 4 / 10.
Can you provide the financial health for BMPS stock?
The financial health rating of BANCA MONTE DEI PASCHI SIENA (BMPS.MI) is 1 / 10.
What is the earnings growth outlook for BANCA MONTE DEI PASCHI SIENA?
The Earnings per Share (EPS) of BANCA MONTE DEI PASCHI SIENA (BMPS.MI) is expected to decline by -41.33% in the next year.