BANCA MONTE DEI PASCHI SIENA (MPI0.DE) Fundamental Analysis & Valuation

FRA:MPI0 • IT0005508921

Current stock price

7.068 EUR
+0.1 (+1.51%)
Last:

This MPI0.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. MPI0.DE Profitability Analysis

1.1 Basic Checks

  • MPI0 had positive earnings in the past year.
  • MPI0 had positive earnings in 4 of the past 5 years.
  • In multiple years MPI0 reported negative operating cash flow during the last 5 years.
MPI0.DE Yearly Net Income VS EBIT VS OCF VS FCFMPI0.DE 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 MPI0 (1.49%) is better than 90.27% of its industry peers.
  • With a decent Return On Equity value of 12.88%, MPI0 is doing good in the industry, outperforming 65.49% of the companies in the same industry.
Industry RankSector Rank
ROA 1.49%
ROE 12.88%
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
MPI0.DE Yearly ROA, ROE, ROICMPI0.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 -40

1.3 Margins

  • The Profit Margin of MPI0 (50.97%) is better than 98.23% of its industry peers.
  • MPI0 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) 50.97%
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
MPI0.DE Yearly Profit, Operating, Gross MarginsMPI0.DE 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. MPI0.DE Health Analysis

2.1 Basic Checks

  • MPI0 does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for MPI0 has been increased compared to 1 year ago.
  • The number of shares outstanding for MPI0 has been increased compared to 5 years ago.
  • There is no outstanding debt for MPI0. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
MPI0.DE Yearly Shares OutstandingMPI0.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
MPI0.DE Yearly Total Debt VS Total AssetsMPI0.DE 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

  • MPI0 has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.82%
MPI0.DE Yearly LT Debt VS Equity VS FCFMPI0.DE 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

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MPI0.DE Yearly Current Assets VS Current LiabilitesMPI0.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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

5

3. MPI0.DE Growth Analysis

3.1 Past

  • The earnings per share for MPI0 have decreased by -4.91% in the last year.
  • MPI0 shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 71.59% yearly.
  • The Revenue has grown by 12.47% in the past year. This is quite good.
  • 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%68.63%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y11.13%
Revenue growth 5Y4.43%
Sales Q2Q%-52.1%

3.2 Future

  • MPI0 is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -10.57% yearly.
  • Based on estimates for the next years, MPI0 will show a quite strong growth in Revenue. The Revenue will grow by 17.36% on average per year.
EPS Next Y-31.22%
EPS Next 2Y-26.29%
EPS Next 3Y-16.02%
EPS Next 5Y-10.57%
Revenue Next Year19.34%
Revenue Next 2Y37.02%
Revenue Next 3Y25.49%
Revenue Next 5Y17.36%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
MPI0.DE Yearly Revenue VS EstimatesMPI0.DE 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
MPI0.DE Yearly EPS VS EstimatesMPI0.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 -200 -400

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5

4. MPI0.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 4.56, the valuation of MPI0 can be described as very cheap.
  • MPI0's Price/Earnings ratio is rather cheap when compared to the industry. MPI0 is cheaper than 97.35% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, MPI0 is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.40, which indicates a very decent valuation of MPI0.
  • MPI0's Price/Forward Earnings ratio is rather cheap when compared to the industry. MPI0 is cheaper than 83.19% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.28. MPI0 is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 4.56
Fwd PE 8.4
MPI0.DE Price Earnings VS Forward Price EarningsMPI0.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
MPI0.DE Per share dataMPI0.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

  • MPI0's earnings are expected to decrease with -16.02% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-26.29%
EPS Next 3Y-16.02%

More info and screens

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

7

5. MPI0.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 12.34%, MPI0 is a good candidate for dividend investing.
  • The stock price of MPI0 dropped by -20.62% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • MPI0's Dividend Yield is rather good when compared to the industry average which is at 4.72. MPI0 pays more dividend than 99.11% of the companies in the same industry.
  • MPI0's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 12.34%

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
MPI0.DE Yearly Dividends per shareMPI0.DE Yearly Dividends per shareYearly Dividends per share 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

DP0%
EPS Next 2Y-26.29%
EPS Next 3Y-16.02%
MPI0.DE Yearly Income VS Free CF VS DividendMPI0.DE 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

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MPI0.DE Fundamentals: All Metrics, Ratios and Statistics

BANCA MONTE DEI PASCHI SIENA

FRA:MPI0 (3/20/2026, 7:00:00 PM)

7.068

+0.1 (+1.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-10
Earnings (Next)05-07
Inst Owners25.69%
Inst Owner ChangeN/A
Ins Owners9.77%
Ins Owner ChangeN/A
Market Cap21.48B
Revenue(TTM)7.07B
Net Income(TTM)3.60B
Analysts78.82
Price Target10.47 (48.13%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 12.34%
Yearly Dividend0.25
Dividend Growth(5Y)378.21%
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)0.5%
PT rev (3m)1.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)2.26%
EPS NY rev (3m)1.2%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)14.16%
Revenue NY rev (3m)14.16%
Valuation
Industry RankSector Rank
PE 4.56
Fwd PE 8.4
P/S 3.04
P/FCF N/A
P/OCF N/A
P/B 0.77
P/tB 0.86
EV/EBITDA N/A
EPS(TTM)1.55
EY21.93%
EPS(NY)0.84
Fwd EY11.91%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS2.33
BVpS9.2
TBVpS8.23
PEG (NY)N/A
PEG (5Y)N/A
Graham Number17.91
Profitability
Industry RankSector Rank
ROA 1.49%
ROE 12.88%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 50.97%
GM N/A
FCFM 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
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-ScoreN/A
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
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-ScoreN/A
WACC5.82%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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-26.29%
EPS Next 3Y-16.02%
EPS Next 5Y-10.57%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y11.13%
Revenue growth 5Y4.43%
Sales Q2Q%-52.1%
Revenue Next Year19.34%
Revenue Next 2Y37.02%
Revenue Next 3Y25.49%
Revenue Next 5Y17.36%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

BANCA MONTE DEI PASCHI SIENA / MPI0.DE Fundamental Analysis 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 for MPI0 stock?

ChartMill assigns a valuation rating of 5 / 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 3 / 10.


What are the PE and PB ratios of BANCA MONTE DEI PASCHI SIENA (MPI0.DE) stock?

The Price/Earnings (PE) ratio for BANCA MONTE DEI PASCHI SIENA (MPI0.DE) is 4.56 and the Price/Book (PB) ratio is 0.77.


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 -31.22% in the next year.