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

FRA:MPI0 • IT0005508921

Current stock price

8.112 EUR
+0.19 (+2.4%)
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

  • In the past year MPI0 was profitable.
  • In the past year MPI0 had a positive cash flow from operations.
  • Of the past 5 years MPI0 4 years were profitable.
  • 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

  • MPI0's Return On Assets of 1.49% is amongst the best of the industry. MPI0 outperforms 87.62% of its industry peers.
  • The Return On Equity of MPI0 (12.89%) is better than 66.67% 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
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

  • MPI0 has a Profit Margin of 50.56%. This is amongst the best in the industry. MPI0 outperforms 98.10% of its industry peers.
  • The Operating Margin and Gross Margin are not available for MPI0 so they could not be analyzed.
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
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

1

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.
  • MPI0 has more shares outstanding than it did 5 years ago.
  • MPI0 has a worse debt/assets ratio than last year.
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

  • The Debt to FCF ratio of MPI0 is 24.37, which is on the high side as it means it would take MPI0, 24.37 years of fcf income to pay off all of its debts.
  • MPI0's Debt to FCF ratio of 24.37 is in line compared to the rest of the industry. MPI0 outperforms 57.14% of its industry peers.
  • A Debt/Equity ratio of 1.41 is on the high side and indicates that MPI0 has dependencies on debt financing.
  • The Debt to Equity ratio of MPI0 (1.41) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.41
Debt/FCF 24.37
Altman-Z N/A
ROIC/WACCN/A
WACC5.58%
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 30B 40B

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.
  • The Earnings Per Share has been growing by 71.59% on average over the past years. This is a very strong growth
  • Looking at the last year, MPI0 shows a quite strong growth in Revenue. The Revenue has grown by 13.38% in the last year.
  • The Revenue has been growing slightly by 4.43% on average over the past years.
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%-52.1%

3.2 Future

  • The Earnings Per Share is expected to decrease by -10.21% on average over the next years. This is quite bad
  • The Revenue is expected to grow by 17.36% on average over the next years. This is quite good.
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 5Y17.36%

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.
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

  • The Price/Earnings ratio is 5.23, which indicates a rather cheap valuation of MPI0.
  • Compared to the rest of the industry, the Price/Earnings ratio of MPI0 indicates a rather cheap valuation: MPI0 is cheaper than 96.19% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.86. MPI0 is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 10.54, the valuation of MPI0 can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, MPI0 is valued a bit cheaper than 60.95% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 37.39. MPI0 is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.23
Fwd PE 10.54
MPI0.DE Price Earnings VS Forward Price EarningsMPI0.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • MPI0's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 15.21
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

  • A cheap valuation may be justified as MPI0's earnings are expected to decrease with -16.52% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-29.52%
EPS Next 3Y-16.52%

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

8

5. MPI0.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 10.84%, MPI0 is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.56, MPI0 pays a better dividend. On top of this MPI0 pays more dividend than 99.05% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, MPI0 pays a better dividend.
Industry RankSector Rank
Dividend Yield 10.84%

5.2 History

  • On average, the dividend of MPI0 grows each year by 341.67%, which is quite nice.
Dividend Growth(5Y)341.67%
Div Incr Years0
Div Non Decr Years0
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

  • 30.07% of the earnings are spent on dividend by MPI0. This is a low number and sustainable payout ratio.
DP30.07%
EPS Next 2Y-29.52%
EPS Next 3Y-16.52%
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
MPI0.DE Dividend Payout.MPI0.DE Dividend Payout, showing the Payout Ratio.MPI0.DE Dividend Payout.PayoutRetained Earnings

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MPI0.DE Fundamentals: All Metrics, Ratios and Statistics

BANCA MONTE DEI PASCHI SIENA

FRA:MPI0 (4/10/2026, 7:00:00 PM)

8.112

+0.19 (+2.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-10
Earnings (Next)05-07
Inst Owners26.31%
Inst Owner ChangeN/A
Ins Owners11.44%
Ins Owner ChangeN/A
Market Cap24.65B
Revenue(TTM)7.13B
Net Income(TTM)3.60B
Analysts80
Price Target10.38 (27.96%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 10.84%
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)-0.87%
PT rev (3m)0.86%
EPS NQ rev (1m)-4.76%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-8.58%
EPS NY rev (3m)-7.48%
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 5.23
Fwd PE 10.54
P/S 3.46
P/FCF 15.21
P/OCF 14.18
P/B 0.88
P/tB 1
EV/EBITDA N/A
EPS(TTM)1.55
EY19.11%
EPS(NY)0.77
Fwd EY9.49%
FCF(TTM)0.53
FCFY6.58%
OCF(TTM)0.57
OCFY7.05%
SpS2.35
BVpS9.2
TBVpS8.1
PEG (NY)N/A
PEG (5Y)N/A
Graham Number17.91
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
WACC5.58%
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%-52.1%
Revenue Next Year19.34%
Revenue Next 2Y39.56%
Revenue Next 3Y26.93%
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 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 / 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.


Can you provide the profitability details for BANCA MONTE DEI PASCHI SIENA?

BANCA MONTE DEI PASCHI SIENA (MPI0.DE) has a profitability rating of 3 / 10.


How financially healthy is BANCA MONTE DEI PASCHI SIENA?

The financial health rating of BANCA MONTE DEI PASCHI SIENA (MPI0.DE) is 1 / 10.


Is the dividend of BANCA MONTE DEI PASCHI SIENA sustainable?

The dividend rating of BANCA MONTE DEI PASCHI SIENA (MPI0.DE) is 8 / 10 and the dividend payout ratio is 30.07%.