BANCA MONTE DEI PASCHI SIENA (BMPS.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:BMPS - IT0005508921 - Common Stock
8.875 EUR
+0.06 (+0.68%)
BMPS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 114 industry peers in the Banks industry. While BMPS is still in line with the averages on profitability rating, there are concerns on its financial health. BMPS has a correct valuation and a medium growth rate. BMPS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
BMPS had positive earnings in the past year.
In the past year BMPS has reported a negative cash flow from operations.
In multiple years BMPS reported negative net income over the last 5 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 93.86% of its industry peers.
BMPS has a better Return On Equity (21.83%) than 92.11% 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
The Profit Margin of BMPS (39.59%) is better than 90.35% 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) | 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
A Debt/Equity ratio of 0.89 indicates that BMPS is somewhat dependend on debt financing.
The Debt to Equity ratio of BMPS (0.89) is better than 74.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.89 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.16%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BMPS have decreased by -4.91% in the last year.
Measured over the past years, BMPS shows a very strong growth in Earnings Per Share. The EPS has been growing by 71.59% on average per year.
The Revenue has been growing slightly by 2.05% in the past year.
Measured over the past years, BMPS shows a small growth in Revenue. The Revenue has been growing by 4.43% on average per year.
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
Based on estimates for the next years, BMPS will show a very negative growth in Earnings Per Share. The EPS will decrease by -12.49% on average per year.
The Revenue is expected to grow by 21.41% on average over the next years. This is a very strong growth
EPS Next Y-35%
EPS Next 2Y-27.66%
EPS Next 3Y-15.84%
EPS Next 5Y-12.49%
Revenue Next Year19.34%
Revenue Next 2Y26.66%
Revenue Next 3Y21.65%
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
With a Price/Earnings ratio of 5.73, the valuation of BMPS can be described as very cheap.
96.49% of the companies in the same industry are more expensive than BMPS, based on the Price/Earnings ratio.
BMPS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.57.
A Price/Forward Earnings ratio of 10.95 indicates a reasonable valuation of BMPS.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BMPS is on the same level as its industry peers.
BMPS is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.73 | ||
| Fwd PE | 10.95 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as BMPS's earnings are expected to decrease with -15.84% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-27.66%
EPS Next 3Y-15.84%
5. Dividend
5.1 Amount
BMPS has a Yearly Dividend Yield of 9.69%, which is a nice return.
BMPS's Dividend Yield is rather good when compared to the industry average which is at 4.12. BMPS pays more dividend than 99.12% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.88, BMPS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.69% |
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-27.66%
EPS Next 3Y-15.84%
BIT:BMPS (12/23/2025, 7:00:00 PM)
8.875
+0.06 (+0.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners23.2%
Inst Owner ChangeN/A
Ins Owners9.77%
Ins Owner ChangeN/A
Market Cap26.97B
Revenue(TTM)6.39B
Net Income(TTM)2.50B
Analysts81.25
Price Target9.86 (11.1%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.69% |
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)3.15%
PT rev (3m)5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)10.79%
EPS NY rev (3m)-5.31%
Revenue NQ rev (1m)-0.45%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.25%
Revenue NY rev (3m)15.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.73 | ||
| Fwd PE | 10.95 | ||
| P/S | 4.26 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.35 | ||
| P/tB | 2.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.55
EY17.46%
EPS(NY)0.81
Fwd EY9.13%
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
WACC6.16%
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-35%
EPS Next 2Y-27.66%
EPS Next 3Y-15.84%
EPS Next 5Y-12.49%
Revenue 1Y (TTM)2.05%
Revenue growth 3Y11.13%
Revenue growth 5Y4.43%
Sales Q2Q%-0.7%
Revenue Next Year19.34%
Revenue Next 2Y26.66%
Revenue Next 3Y21.65%
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.
Can you provide the valuation status for BANCA MONTE DEI PASCHI SIENA?
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.
Can you provide the financial health for BMPS stock?
The financial health rating of BANCA MONTE DEI PASCHI SIENA (BMPS.MI) is 1 / 10.
What is the earnings growth outlook for BANCA MONTE DEI PASCHI SIENA?
The Earnings per Share (EPS) of BANCA MONTE DEI PASCHI SIENA (BMPS.MI) is expected to decline by -35% in the next year.