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 on the other hand it scores bad on growth. Finally BMPS also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year BMPS was profitable.

BMPS had a negative operating cash flow in the past year.

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

BMPS's Return On Assets of 1.99% is amongst the best of the industry. BMPS outperforms 95.83% of its industry peers.

With an excellent Return On Equity value of 21.83%, BMPS belongs to the best of the industry, outperforming 95.83% of the companies in the same industry.

		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

With an excellent Profit Margin value of 39.59%, BMPS belongs to the best of the industry, outperforming 90.63% of the companies in the same industry.

In the last couple of years the Profit Margin of BMPS has grown nicely.

The Operating Margin and Gross Margin are not available for BMPS so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	39.59%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y68.38%

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.

BMPS has more shares outstanding than it did 5 years ago.

Compared to 1 year ago, BMPS has a worse debt to assets ratio.

2.2 Solvency

A Debt/Equity ratio of 0.89 indicates that BMPS is somewhat dependend on debt financing.

BMPS's Debt to Equity ratio of 0.89 is fine compared to the rest of the industry. BMPS outperforms 78.13% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.89
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.36%

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

The earnings per share for BMPS have decreased by -4.91% in the last year.

The Earnings Per Share has been growing by 71.59% 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 0.99% in the last year.

Measured over the past years, BMPS shows a small growth in Revenue. The Revenue has been growing by 3.63% on average per year.

EPS 1Y (TTM)-4.91%

EPS 3Y71.59%

EPS 5YN/A

EPS Q2Q%-42.25%

Revenue 1Y (TTM)0.99%

Revenue growth 3Y9.7%

Revenue growth 5Y3.63%

Sales Q2Q%2.84%

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 -12.61% yearly.

Based on estimates for the next years, BMPS will show a small growth in Revenue. The Revenue will grow by 0.80% on average per year.

EPS Next Y-31.35%

EPS Next 2Y-21.03%

EPS Next 3Y-13.52%

EPS Next 5Y-12.61%

Revenue Next Year-1.7%

Revenue Next 2Y-1.5%

Revenue Next 3Y-0.19%

Revenue Next 5Y0.8%

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.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 4.72, which indicates a rather cheap valuation of BMPS.

Based on the Price/Earnings ratio, BMPS is valued cheaply inside the industry as 94.79% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 27.03, BMPS is valued rather cheaply.

BMPS is valuated cheaply with a Price/Forward Earnings ratio of 7.57.

Compared to the rest of the industry, the Price/Forward Earnings ratio of BMPS indicates a rather cheap valuation: BMPS is cheaper than 86.46% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of BMPS to the average of the S&P500 Index (22.63), we can say BMPS is valued rather cheaply.

		Industry Rank	Sector Rank
PE	4.72
Fwd PE	7.57

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 -13.52% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-21.03%

EPS Next 3Y-13.52%

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5. Dividend

5.1 Amount

BMPS has a Yearly Dividend Yield of 10.80%, which is a nice return.

BMPS's Dividend Yield is rather good when compared to the industry average which is at 5.01. BMPS pays more dividend than 100.00% of the companies in the same industry.

BMPS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.

		Industry Rank	Sector Rank
Dividend Yield	10.8%

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

43.18% of the earnings are spent on dividend by BMPS. This is a bit on the high side, but may be sustainable.

DP43.18%

EPS Next 2Y-21.03%

EPS Next 3Y-13.52%

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BANCA MONTE DEI PASCHI SIENA

BIT:BMPS (9/4/2025, 7:00:00 PM)

7.312

-0.17 (-2.29%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-06 2025-08-06/bmo

Earnings (Next)11-06 2025-11-06

Inst Owners25.19%

Inst Owner ChangeN/A

Ins Owners5.03%

Ins Owner ChangeN/A

Market Cap9.21B

Analysts77.14

Price Target9.01 (23.22%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	10.8%

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)8.04%

PT rev (3m)15.59%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)2.7%

EPS NY rev (3m)2.7%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)1.59%

Revenue NY rev (3m)2.28%

Valuation

		Industry Rank	Sector Rank
PE	4.72
Fwd PE	7.57
P/S	1.46
P/FCF	N/A
P/OCF	N/A
P/B	0.8
P/tB	0.81
EV/EBITDA	N/A

EPS(TTM)1.55

EY21.2%

EPS(NY)0.97

Fwd EY13.21%

FCF(TTM)-3.34

FCFYN/A

OCF(TTM)-3.28

OCFYN/A

SpS5.02

BVpS9.11

TBVpS9

PEG (NY)N/A

PEG (5Y)N/A

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

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 3Y68.38%

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

WACC5.36%

ROIC/WACCN/A

Cap/Depr(3y)37.85%

Cap/Depr(5y)43.73%

Cap/Sales(3y)2.03%

Cap/Sales(5y)2.81%

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%-42.25%

EPS Next Y-31.35%

EPS Next 2Y-21.03%

EPS Next 3Y-13.52%

EPS Next 5Y-12.61%

Revenue 1Y (TTM)0.99%

Revenue growth 3Y9.7%

Revenue growth 5Y3.63%

Sales Q2Q%2.84%

Revenue Next Year-1.7%

Revenue Next 2Y-1.5%

Revenue Next 3Y-0.19%

Revenue Next 5Y0.8%

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) 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