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

BIT:BMPS • IT0005508921

Current stock price

9.052 EUR
-0.02 (-0.22%)
Last:

This BMPS.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. BMPS.MI Profitability Analysis

1.1 Basic Checks

  • In the past year BMPS was profitable.
  • BMPS had a positive operating cash flow in the past year.
  • Of the past 5 years BMPS 4 years were profitable.
  • The reported operating cash flow has been mixed in the past 5 years: BMPS reported negative operating cash flow in multiple years.
BMPS.MI Yearly Net Income VS EBIT VS OCF VS FCFBMPS.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B 6B 8B

1.2 Ratios

  • The Return On Assets of BMPS (1.49%) is better than 89.11% of its industry peers.
  • The Return On Equity of BMPS (12.89%) is better than 66.34% of its industry peers.
Industry RankSector Rank
ROA 1.49%
ROE 12.89%
ROIC N/A
ROA(3y)1.46%
ROA(5y)0.89%
ROE(3y)15.67%
ROE(5y)9.95%
ROIC(3y)N/A
ROIC(5y)N/A
BMPS.MI Yearly ROA, ROE, ROICBMPS.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 -40

1.3 Margins

  • BMPS's Profit Margin of 50.56% is amongst the best of the industry. BMPS outperforms 99.01% of its industry peers.
  • BMPS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 50.56%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BMPS.MI Yearly Profit, Operating, Gross MarginsBMPS.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40 -60

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. BMPS.MI Health Analysis

2.1 Basic Checks

  • BMPS does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • BMPS has more 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.
BMPS.MI Yearly Shares OutstandingBMPS.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
BMPS.MI Yearly Total Debt VS Total AssetsBMPS.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B

2.2 Solvency

  • The Debt to FCF ratio of BMPS is 24.37, which is on the high side as it means it would take BMPS, 24.37 years of fcf income to pay off all of its debts.
  • BMPS has a better Debt to FCF ratio (24.37) than 62.38% of its industry peers.
  • BMPS has a Debt/Equity ratio of 1.41. This is a high value indicating a heavy dependency on external financing.
  • BMPS has a Debt to Equity ratio of 1.41. This is in the better half of the industry: BMPS outperforms 64.36% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.41
Debt/FCF 24.37
Altman-Z N/A
ROIC/WACCN/A
WACC5.73%
BMPS.MI Yearly LT Debt VS Equity VS FCFBMPS.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B 20B 30B 40B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BMPS.MI Yearly Current Assets VS Current LiabilitesBMPS.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. BMPS.MI Growth Analysis

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
  • BMPS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.38%.
  • BMPS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.43% yearly.
EPS 1Y (TTM)-4.91%
EPS 3Y71.59%
EPS 5YN/A
EPS Q2Q%68.63%
Revenue 1Y (TTM)13.38%
Revenue growth 3Y11.13%
Revenue growth 5Y4.43%
Sales Q2Q%2.38%

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 -10.21% yearly.
  • BMPS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.88% yearly.
EPS Next Y-31.22%
EPS Next 2Y-29.52%
EPS Next 3Y-16.52%
EPS Next 5Y-10.21%
Revenue Next Year19.34%
Revenue Next 2Y39.56%
Revenue Next 3Y26.93%
Revenue Next 5Y17.88%

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.
BMPS.MI Yearly Revenue VS EstimatesBMPS.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B 8B
BMPS.MI Yearly EPS VS EstimatesBMPS.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 -200 -400

More info and screens

Find the best growth stocksShow best growing peers

4

4. BMPS.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 5.84, 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 97.03% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.77, BMPS is valued rather cheaply.
  • A Price/Forward Earnings ratio of 11.76 indicates a reasonable valuation of BMPS.
  • The rest of the industry has a similar Price/Forward Earnings ratio as BMPS.
  • When comparing the Price/Forward Earnings ratio of BMPS to the average of the S&P500 Index (21.75), we can say BMPS is valued slightly cheaper.
Industry RankSector Rank
PE 5.84
Fwd PE 11.76
BMPS.MI Price Earnings VS Forward Price EarningsBMPS.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • BMPS's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 16.97
EV/EBITDA N/A
BMPS.MI Per share dataBMPS.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

  • BMPS's earnings are expected to decrease with -16.52% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-29.52%
EPS Next 3Y-16.52%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. BMPS.MI Dividend Analysis

5.1 Amount

  • BMPS has a Yearly Dividend Yield of 9.45%, which is a nice return.
  • BMPS's Dividend Yield is rather good when compared to the industry average which is at 4.48. BMPS pays more dividend than 98.02% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, BMPS pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.45%

5.2 History

  • On average, the dividend of BMPS grows each year by 341.67%, which is quite nice.
Dividend Growth(5Y)341.67%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 30.07% of the earnings are spent on dividend by BMPS. This is a low number and sustainable payout ratio.
DP30.07%
EPS Next 2Y-29.52%
EPS Next 3Y-16.52%
BMPS.MI Yearly Income VS Free CF VS DividendBMPS.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B 6B 8B
BMPS.MI Dividend Payout.BMPS.MI Dividend Payout, showing the Payout Ratio.BMPS.MI Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

BMPS.MI Fundamentals: All Metrics, Ratios and Statistics

BANCA MONTE DEI PASCHI SIENA

BIT:BMPS (4/30/2026, 7:00:00 PM)

9.052

-0.02 (-0.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength83.78
Industry Growth90.67
Earnings (Last)02-10
Earnings (Next)05-07
Inst Owners26.31%
Inst Owner ChangeN/A
Ins Owners11.44%
Ins Owner ChangeN/A
Market Cap27.50B
Revenue(TTM)7.13B
Net Income(TTM)3.60B
Analysts80
Price Target10.46 (15.55%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 9.45%
Yearly Dividend0.5
Dividend Growth(5Y)341.67%
DP30.07%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)226%
Min EPS beat(2)46.13%
Max EPS beat(2)405.88%
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)1
Avg Revenue beat(2)-22.91%
Min Revenue beat(2)-47.2%
Max Revenue beat(2)1.39%
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)-0.05%
PT rev (3m)4.83%
EPS NQ rev (1m)-4.76%
EPS NQ rev (3m)-4.76%
EPS NY rev (1m)-8.58%
EPS NY rev (3m)-6.52%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)3.74%
Revenue NY rev (3m)18.42%
Valuation
Industry RankSector Rank
PE 5.84
Fwd PE 11.76
P/S 3.86
P/FCF 16.97
P/OCF 15.83
P/B 0.98
P/tB 1.12
EV/EBITDA N/A
EPS(TTM)1.55
EY17.12%
EPS(NY)0.77
Fwd EY8.5%
FCF(TTM)0.53
FCFY5.89%
OCF(TTM)0.57
OCFY6.32%
SpS2.35
BVpS9.2
TBVpS8.1
PEG (NY)N/A
PEG (5Y)N/A
Graham Number17.9148 (97.91%)
Profitability
Industry RankSector Rank
ROA 1.49%
ROE 12.89%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 50.56%
GM N/A
FCFM 22.75%
ROA(3y)1.46%
ROA(5y)0.89%
ROE(3y)15.67%
ROE(5y)9.95%
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 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 1.41
Debt/FCF 24.37
Debt/EBITDA N/A
Cap/Depr 55.53%
Cap/Sales 1.64%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 44.99%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC5.73%
ROIC/WACCN/A
Cap/Depr(3y)46.34%
Cap/Depr(5y)42.87%
Cap/Sales(3y)2.15%
Cap/Sales(5y)2.33%
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%68.63%
EPS Next Y-31.22%
EPS Next 2Y-29.52%
EPS Next 3Y-16.52%
EPS Next 5Y-10.21%
Revenue 1Y (TTM)13.38%
Revenue growth 3Y11.13%
Revenue growth 5Y4.43%
Sales Q2Q%2.38%
Revenue Next Year19.34%
Revenue Next 2Y39.56%
Revenue Next 3Y26.93%
Revenue Next 5Y17.88%
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 1Y288.39%
FCF growth 3Y-42.02%
FCF growth 5YN/A
OCF growth 1Y319.42%
OCF growth 3Y-40.81%
OCF growth 5YN/A

BANCA MONTE DEI PASCHI SIENA / BMPS.MI Fundamental Analysis FAQ

What is the fundamental rating for BMPS stock?

ChartMill assigns a fundamental rating of 3 / 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.


How profitable is BANCA MONTE DEI PASCHI SIENA (BMPS.MI) stock?

BANCA MONTE DEI PASCHI SIENA (BMPS.MI) has a profitability rating of 3 / 10.


Can you provide the expected EPS growth for BMPS stock?

The Earnings per Share (EPS) of BANCA MONTE DEI PASCHI SIENA (BMPS.MI) is expected to decline by -31.22% in the next year.


Is the dividend of BANCA MONTE DEI PASCHI SIENA sustainable?

The dividend rating of BANCA MONTE DEI PASCHI SIENA (BMPS.MI) is 8 / 10 and the dividend payout ratio is 30.07%.