BANCA MONTE DEI PASCHI SIENA (MPI0.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:MPI0 - IT0005508921 - Common Stock
8.217 EUR
-0.14 (-1.63%)
Overall MPI0 gets a fundamental rating of 4 out of 10. We evaluated MPI0 against 108 industry peers in the Banks industry. While MPI0 is still in line with the averages on profitability rating, there are concerns on its financial health. MPI0 is not valued too expensively and it also shows a decent growth rate. MPI0 also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
MPI0 had positive earnings in the past year.
MPI0 had a negative operating cash flow in the past year.
In multiple years MPI0 reported negative net income over the last 5 years.
In multiple years MPI0 reported negative operating cash flow during the last 5 years.
1.2 Ratios
With an excellent Return On Assets value of 1.99%, MPI0 belongs to the best of the industry, outperforming 93.52% of the companies in the same industry.
MPI0 has a Return On Equity of 21.83%. This is amongst the best in the industry. MPI0 outperforms 91.67% 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 MPI0 (39.59%) is better than 90.74% of its industry peers.
In the last couple of years the Profit Margin of MPI0 has grown nicely.
The Operating Margin and Gross Margin are not available for MPI0 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
MPI0 does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, MPI0 has about the same amount of shares outstanding.
Compared to 5 years ago, MPI0 has more shares outstanding
MPI0 has a worse debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 0.89 indicates that MPI0 is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.89, MPI0 is in the better half of the industry, outperforming 76.85% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.89 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.97%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MPI0 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
MPI0 shows a small growth in Revenue. In the last year, the Revenue has grown by 2.05%.
Measured over the past years, MPI0 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%-1.55%
3.2 Future
The Earnings Per Share is expected to decrease by -12.49% on average over the next years. This is quite bad
Based on estimates for the next years, MPI0 will show a very strong growth in Revenue. The Revenue will grow by 21.41% on average per year.
EPS Next Y-41.33%
EPS Next 2Y-25.38%
EPS Next 3Y-15.05%
EPS Next 5Y-12.49%
Revenue Next Year19.05%
Revenue Next 2Y26.4%
Revenue Next 3Y21.53%
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.
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
MPI0 is valuated cheaply with a Price/Earnings ratio of 5.30.
MPI0's Price/Earnings ratio is rather cheap when compared to the industry. MPI0 is cheaper than 96.30% of the companies in the same industry.
When comparing the Price/Earnings ratio of MPI0 to the average of the S&P500 Index (26.31), we can say MPI0 is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.53, the valuation of MPI0 can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MPI0 indicates a somewhat cheap valuation: MPI0 is cheaper than 75.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.56, MPI0 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.3 | ||
| Fwd PE | 9.53 |
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 MPI0'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
MPI0 has a Yearly Dividend Yield of 10.32%, which is a nice return.
Compared to an average industry Dividend Yield of 4.70, MPI0 pays a better dividend. On top of this MPI0 pays more dividend than 99.07% of the companies listed in the same industry.
MPI0's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.32% |
5.2 History
On average, the dividend of MPI0 grows each year by 378.21%, which is quite nice.
Dividend Growth(5Y)378.21%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
MPI0 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%
FRA:MPI0 (11/28/2025, 7:00:00 PM)
8.217
-0.14 (-1.63%)
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 Cap24.97B
Revenue(TTM)6.39B
Net Income(TTM)2.50B
Analysts80
Price Target9.69 (17.93%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.32% |
Yearly Dividend0.25
Dividend Growth(5Y)378.21%
DP43.18%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.3 | ||
| Fwd PE | 9.53 | ||
| P/S | 3.95 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.18 | ||
| P/tB | 2.2 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.55
EY18.86%
EPS(NY)0.86
Fwd EY10.5%
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
WACC5.97%
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-41.33%
EPS Next 2Y-25.38%
EPS Next 3Y-15.05%
EPS Next 5Y-12.49%
Revenue 1Y (TTM)2.05%
Revenue growth 3Y11.13%
Revenue growth 5Y4.43%
Sales Q2Q%-1.55%
Revenue Next Year19.05%
Revenue Next 2Y26.4%
Revenue Next 3Y21.53%
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 / MPI0.DE FAQ
What is the ChartMill fundamental rating of BANCA MONTE DEI PASCHI SIENA (MPI0.DE) stock?
ChartMill assigns a fundamental rating of 4 / 10 to MPI0.DE.
What is the valuation status of BANCA MONTE DEI PASCHI SIENA (MPI0.DE) stock?
ChartMill assigns a valuation rating of 4 / 10 to BANCA MONTE DEI PASCHI SIENA (MPI0.DE). This can be considered as Fairly Valued.
How profitable is BANCA MONTE DEI PASCHI SIENA (MPI0.DE) stock?
BANCA MONTE DEI PASCHI SIENA (MPI0.DE) has a profitability rating of 4 / 10.
What is the earnings growth outlook for BANCA MONTE DEI PASCHI SIENA?
The Earnings per Share (EPS) of BANCA MONTE DEI PASCHI SIENA (MPI0.DE) is expected to decline by -41.33% in the next year.
Can you provide the dividend sustainability for MPI0 stock?
The dividend rating of BANCA MONTE DEI PASCHI SIENA (MPI0.DE) is 7 / 10 and the dividend payout ratio is 43.18%.