BANCA MONTE DEI PASCHI SIENA (BMPS.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:BMPS - IT0005508921 - Common Stock
8.76 EUR
-0.1 (-1.08%)
BMPS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 111 industry peers in the Banks industry. There are concerns on the financial health of BMPS while its profitability can be described as average. BMPS is not valued too expensively and it also shows a decent 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.
- 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
- The Return On Assets of BMPS (1.99%) is better than 93.69% of its industry peers.
- The Return On Equity of BMPS (21.83%) is better than 90.99% 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 90.99% 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) | 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.
- BMPS has about the same amout of shares outstanding than it did 1 year ago.
- The number of shares outstanding for BMPS has been increased compared to 5 years ago.
- The debt/assets ratio for BMPS is higher compared to a year ago.
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.
- BMPS's Debt to Equity ratio of 0.89 is fine compared to the rest of the industry. BMPS outperforms 74.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.89 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.2%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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 71.59% on average over the past years. This is a very strong growth
- The Revenue has been growing slightly by 2.05% in the past year.
- 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
- BMPS is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -12.49% yearly.
- Based on estimates for the next years, BMPS will show a very strong growth in Revenue. The Revenue will grow by 21.41% on average per year.
EPS Next Y-38.97%
EPS Next 2Y-26.73%
EPS Next 3Y-15.53%
EPS Next 5Y-12.49%
Revenue Next Year19.51%
Revenue Next 2Y28.24%
Revenue Next 3Y22.24%
Revenue Next 5Y21.41%
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 accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- BMPS is valuated cheaply with a Price/Earnings ratio of 5.65.
- Based on the Price/Earnings ratio, BMPS is valued cheaply inside the industry as 96.40% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Earnings ratio of 27.32, BMPS is valued rather cheaply.
- The Price/Forward Earnings ratio is 10.53, which indicates a very decent valuation of BMPS.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of BMPS indicates a somewhat cheap valuation: BMPS is cheaper than 63.06% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.30. BMPS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.65 | ||
| Fwd PE | 10.53 |
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 -15.53% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-26.73%
EPS Next 3Y-15.53%
5. Dividend
5.1 Amount
- BMPS has a Yearly Dividend Yield of 9.34%, which is a nice return.
- BMPS's Dividend Yield is rather good when compared to the industry average which is at 4.03. BMPS pays more dividend than 98.20% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.86, BMPS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.34% |
5.2 History
- On average, the dividend of BMPS grows each year by 378.21%, which is quite nice.
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-26.73%
EPS Next 3Y-15.53%
BIT:BMPS (1/21/2026, 7:00:00 PM)
8.76
-0.1 (-1.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-07 2025-11-07/bmo
Earnings (Next)02-04 2026-02-04/amc
Inst Owners24.12%
Inst Owner ChangeN/A
Ins Owners9.77%
Ins Owner ChangeN/A
Market Cap26.62B
Revenue(TTM)6.39B
Net Income(TTM)2.50B
Analysts81.25
Price Target9.98 (13.93%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.34% |
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)1.68%
PT rev (3m)6.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-6.11%
EPS NY rev (3m)-15.85%
Revenue NQ rev (1m)-0.45%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.14%
Revenue NY rev (3m)24.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.65 | ||
| Fwd PE | 10.53 | ||
| P/S | 4.21 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.32 | ||
| P/tB | 2.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.55
EY17.69%
EPS(NY)0.83
Fwd EY9.49%
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
WACC6.2%
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-38.97%
EPS Next 2Y-26.73%
EPS Next 3Y-15.53%
EPS Next 5Y-12.49%
Revenue 1Y (TTM)2.05%
Revenue growth 3Y11.13%
Revenue growth 5Y4.43%
Sales Q2Q%-0.7%
Revenue Next Year19.51%
Revenue Next 2Y28.24%
Revenue Next 3Y22.24%
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.
What is the valuation status for BMPS stock?
ChartMill assigns a valuation rating of 4 / 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.
What are the PE and PB ratios of BANCA MONTE DEI PASCHI SIENA (BMPS.MI) stock?
The Price/Earnings (PE) ratio for BANCA MONTE DEI PASCHI SIENA (BMPS.MI) is 5.65 and the Price/Book (PB) ratio is 2.32.
What is the financial health of BANCA MONTE DEI PASCHI SIENA (BMPS.MI) stock?
The financial health rating of BANCA MONTE DEI PASCHI SIENA (BMPS.MI) is 1 / 10.