BMPS Fundamental Analysis - BANCA MONTE DEI PASCHI SIENA

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to BMPS. BMPS was compared to 96 industry peers in the Banks industry. BMPS has a medium profitability rating, but doesn't score so well on its financial health evaluation. BMPS has a valuation in line with the averages, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year BMPS was profitable.

The reported net income has been mixed in the past 5 years: BMPS reported negative net income in multiple years.

The reported operating cash flow has been mixed in the past 5 years: BMPS reported negative operating cash flow in multiple years.

1.2 Ratios

With an excellent Return On Assets value of 2.22%, BMPS belongs to the best of the industry, outperforming 97.92% of the companies in the same industry.

Looking at the Return On Equity, with a value of 23.00%, BMPS belongs to the top of the industry, outperforming 98.96% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	2.22%
ROE	23%
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 has a better Profit Margin (44.85%) than 96.88% 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)	44.85%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y72.12%

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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

There is no outstanding debt for BMPS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

BMPS has a Debt/Equity ratio of 0.72. This is a neutral value indicating BMPS is somewhat dependend on debt financing.

BMPS's Debt to Equity ratio of 0.72 is amongst the best of the industry. BMPS outperforms 82.29% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.72
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.45%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BMPS shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.91%.

The Earnings Per Share has been growing by 71.00% on average over the past years. This is a very strong growth

Looking at the last year, BMPS shows a small growth in Revenue. The Revenue has grown by 1.10% in the last year.

BMPS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.27% yearly.

EPS 1Y (TTM)-4.91%

EPS 3Y71%

EPS 5YN/A

EPS Q2Q%26.92%

Revenue 1Y (TTM)1.1%

Revenue growth 3Y7.33%

Revenue growth 5Y2.27%

Sales Q2Q%0.91%

3.2 Future

BMPS is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -15.81% yearly.

Based on estimates for the next years, BMPS will show a decrease in Revenue. The Revenue will decrease by -1.78% on average per year.

EPS Next Y-33.15%

EPS Next 2Y-20.04%

EPS Next 3Y-13.79%

EPS Next 5Y-15.81%

Revenue Next Year-3.9%

Revenue Next 2Y-2.4%

Revenue Next 3Y-1.07%

Revenue Next 5Y-1.78%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 4.45, the valuation of BMPS can be described as very cheap.

Compared to the rest of the industry, the Price/Earnings ratio of BMPS indicates a rather cheap valuation: BMPS is cheaper than 96.88% of the companies listed in the same industry.

BMPS is valuated cheaply when we compare the Price/Earnings ratio to 26.35, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 6.97 indicates a rather cheap valuation of BMPS.

Compared to the rest of the industry, the Price/Forward Earnings ratio of BMPS indicates a rather cheap valuation: BMPS is cheaper than 92.71% of the companies listed in the same industry.

BMPS is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	4.45
Fwd PE	6.97

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 -13.79% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-20.04%

EPS Next 3Y-13.79%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 12.70%, BMPS is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.14, BMPS pays a better dividend. On top of this BMPS pays more dividend than 100.00% of the companies listed in the same industry.

BMPS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	12.7%

5.2 History

Dividend Growth(5Y)0%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

The Dividend Rate of BMPS has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.

DPN/A

EPS Next 2Y-20.04%

EPS Next 3Y-13.79%

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BANCA MONTE DEI PASCHI SIENA

BIT:BMPS (6/20/2025, 7:00:00 PM)

6.901

+0.13 (+1.94%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-08 2025-05-08

Earnings (Next)08-05 2025-08-05

Inst Owners25.19%

Inst Owner ChangeN/A

Ins Owners5.03%

Ins Owner ChangeN/A

Market Cap8.69B

Analysts74.67

Price Target7.93 (14.91%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	12.7%

Yearly Dividend0

Dividend Growth(5Y)0%

DPN/A

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)1.75%

PT rev (3m)2.5%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)0.37%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.13%

Valuation

		Industry Rank	Sector Rank
PE	4.45
Fwd PE	6.97
P/S	1.41
P/FCF	N/A
P/OCF	N/A
P/B	0.72
P/tB	0.72
EV/EBITDA	N/A

EPS(TTM)1.55

EY22.46%

EPS(NY)0.99

Fwd EY14.35%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS4.9

BVpS9.57

TBVpS9.56

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	2.22%
ROE	23%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	44.85%
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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y72.12%

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-ScoreN/A

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.72
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
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-ScoreN/A

WACC5.45%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-4.91%

EPS 3Y71%

EPS 5YN/A

EPS Q2Q%26.92%

EPS Next Y-33.15%

EPS Next 2Y-20.04%

EPS Next 3Y-13.79%

EPS Next 5Y-15.81%

Revenue 1Y (TTM)1.1%

Revenue growth 3Y7.33%

Revenue growth 5Y2.27%

Sales Q2Q%0.91%

Revenue Next Year-3.9%

Revenue Next 2Y-2.4%

Revenue Next 3Y-1.07%

Revenue Next 5Y-1.78%

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 1YN/A

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1YN/A

OCF growth 3YN/A

OCF growth 5YN/A

BANCA MONTE DEI PASCHI SIENA (BMPS.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens