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 95 industry peers in the Banks industry. There are concerns on the financial health of BMPS while its profitability can be described as average. 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

BMPS had positive earnings in the past year.

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

Looking at the Return On Assets, with a value of 2.22%, BMPS belongs to the top of the industry, outperforming 97.89% of the companies in the same industry.

The Return On Equity of BMPS (22.99%) is better than 98.95% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.22%
ROE	22.99%
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

The Profit Margin of BMPS (44.84%) is better than 96.84% of its industry peers.

BMPS's Profit Margin has improved in the last couple of years.

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)	44.84%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y72.11%

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.

The number of shares outstanding for BMPS remains at a similar level compared to 1 year ago.

The number of shares outstanding for BMPS has been increased compared to 5 years ago.

BMPS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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 has a better Debt to Equity ratio (0.72) than 82.11% of its industry peers.

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

ROIC/WACCN/A

WACC5.29%

2.3 Liquidity

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

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WACC

Debt/Equity

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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%.

BMPS shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 70.95% yearly.

The Revenue has been growing slightly by 1.10% in the past year.

Measured over the past years, BMPS shows a small growth in Revenue. The Revenue has been growing by 2.27% on average per year.

EPS 1Y (TTM)-4.91%

EPS 3Y70.95%

EPS 5YN/A

EPS Q2Q%26.12%

Revenue 1Y (TTM)1.1%

Revenue growth 3Y7.33%

Revenue growth 5Y2.27%

Sales Q2Q%0.91%

3.2 Future

The Earnings Per Share is expected to decrease by -15.81% on average over the next years. This is quite bad

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

The Price/Earnings ratio is 4.67, which indicates a rather cheap valuation of BMPS.

Compared to the rest of the industry, the Price/Earnings ratio of BMPS indicates a rather cheap valuation: BMPS is cheaper than 95.79% of the companies listed in the same industry.

BMPS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.69.

BMPS is valuated cheaply with a Price/Forward Earnings ratio of 7.31.

Compared to the rest of the industry, the Price/Forward Earnings ratio of BMPS indicates a rather cheap valuation: BMPS is cheaper than 92.63% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 37.36, BMPS is valued rather cheaply.

		Industry Rank	Sector Rank
PE	4.67
Fwd PE	7.31

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

BMPS has a Yearly Dividend Yield of 12.37%, which is a nice return.

Compared to an average industry Dividend Yield of 5.06, 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 2.34.

		Industry Rank	Sector Rank
Dividend Yield	12.37%

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 (7/23/2025, 7:00:00 PM)

7.239

+0.25 (+3.55%)

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 Cap9.12B

Analysts77.33

Price Target8.34 (15.21%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	12.37%

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)5.14%

PT rev (3m)5.61%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)0%

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	4.67
Fwd PE	7.31
P/S	1.48
P/FCF	N/A
P/OCF	N/A
P/B	0.76
P/tB	0.76
EV/EBITDA	N/A

EPS(TTM)1.55

EY21.41%

EPS(NY)0.99

Fwd EY13.68%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS4.9

BVpS9.56

TBVpS9.56

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	2.22%
ROE	22.99%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	44.84%
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 3Y72.11%

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

WACC5.29%

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 3Y70.95%

EPS 5YN/A

EPS Q2Q%26.12%

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