BANCA MONTE DEI PASCHI SIENA (BMPS.MI) Stock Fundamental Analysis
Europe - BIT:BMPS - IT0005508921 - Common Stock
8.21 EUR
+0.46 (+5.87%)
Taking everything into account, BMPS scores 4 out of 10 in our fundamental rating. BMPS was compared to 96 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 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.
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
With an excellent Return On Assets value of 1.99%, BMPS belongs to the best of the industry, outperforming 94.79% of the companies in the same industry.
Looking at the Return On Equity, with a value of 21.83%, BMPS belongs to the top of the industry, outperforming 94.79% 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 39.68%, 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.
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) | 39.68% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y66.33%
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.
The number of shares outstanding for BMPS remains at a similar level compared to 1 year ago.
Compared to 5 years ago, BMPS has more shares outstanding
BMPS has a worse debt/assets ratio than last year.
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 77.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.89 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.07%
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%.
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.
BMPS shows a small growth in Revenue. In the last year, the Revenue has grown by 0.76%.
The Revenue has been growing slightly by 4.39% on average over the past years.
EPS 1Y (TTM)-4.91%
EPS 3Y71.59%
EPS 5YN/A
EPS Q2Q%-42.25%
Revenue 1Y (TTM)0.76%
Revenue growth 3Y11.06%
Revenue growth 5Y4.39%
Sales Q2Q%2.84%
3.2 Future
Based on estimates for the next years, BMPS will show a decrease in Earnings Per Share. The EPS will decrease by -9.33% on average per year.
Based on estimates for the next years, BMPS will show a very strong growth in Revenue. The Revenue will grow by 21.61% on average per year.
EPS Next Y-41.33%
EPS Next 2Y-25.38%
EPS Next 3Y-15.05%
EPS Next 5Y-9.33%
Revenue Next Year19.05%
Revenue Next 2Y26.4%
Revenue Next 3Y21.53%
Revenue Next 5Y21.61%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 5.30, 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 95.83% 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 26.06.
The Price/Forward Earnings ratio is 9.52, which indicates a very decent valuation of BMPS.
Based on the Price/Forward Earnings ratio, BMPS is valued a bit cheaper than 77.08% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.73, BMPS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.3 | ||
| Fwd PE | 9.52 |
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 -15.05% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-25.38%
EPS Next 3Y-15.05%
5. Dividend
5.1 Amount
BMPS has a Yearly Dividend Yield of 11.58%, which is a nice return.
BMPS's Dividend Yield is rather good when compared to the industry average which is at 4.84. 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 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.58% |
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
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-25.38%
EPS Next 3Y-15.05%
BIT:BMPS (11/10/2025, 4:20:07 PM)
8.21
+0.46 (+5.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners12.44%
Inst Owner ChangeN/A
Ins Owners2.49%
Ins Owner ChangeN/A
Market Cap24.95B
Revenue(TTM)6.31B
Net Income(TTM)2.50B
Analysts80
Price Target9.51 (15.83%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.58% |
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)1.66%
PT rev (3m)14.08%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-19.09%
EPS NY rev (3m)-12.23%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)24.22%
Revenue NY rev (3m)23.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.3 | ||
| Fwd PE | 9.52 | ||
| P/S | 3.95 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.17 | ||
| P/tB | 2.2 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.55
EY18.88%
EPS(NY)0.86
Fwd EY10.51%
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) | 39.68% | ||
| 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 3Y66.33%
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
WACC6.07%
ROIC/WACCN/A
Cap/Depr(3y)37.85%
Cap/Depr(5y)43.73%
Cap/Sales(3y)2.01%
Cap/Sales(5y)2.8%
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-41.33%
EPS Next 2Y-25.38%
EPS Next 3Y-15.05%
EPS Next 5Y-9.33%
Revenue 1Y (TTM)0.76%
Revenue growth 3Y11.06%
Revenue growth 5Y4.39%
Sales Q2Q%2.84%
Revenue Next Year19.05%
Revenue Next 2Y26.4%
Revenue Next 3Y21.53%
Revenue Next 5Y21.61%
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 -41.33% in the next year.