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

FRA:MPI0 • IT0005508921

8.327 EUR
-0.18 (-2.14%)
Last: Feb 12, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

MPI0 gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 114 industry peers in the Banks industry. There are concerns on the financial health of MPI0 while its profitability can be described as average. MPI0 has a correct valuation and a medium growth rate. MPI0 also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year MPI0 was profitable.
  • In the past year MPI0 has reported a negative cash flow from operations.
  • In multiple years MPI0 reported negative net income over the last 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: MPI0 reported negative operating cash flow in multiple 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 0 2B -2B 4B 6B 8B

1.2 Ratios

  • With an excellent Return On Assets value of 1.99%, MPI0 belongs to the best of the industry, outperforming 94.74% 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 87.72% of its industry peers.
Industry RankSector 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
MPI0.DE Yearly ROA, ROE, ROICMPI0.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

1.3 Margins

  • With an excellent Profit Margin value of 39.59%, MPI0 belongs to the best of the industry, outperforming 92.11% of the companies in the same industry.
  • MPI0's Profit Margin has improved in the last couple of years.
  • 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) 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
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 0 20 -20 40 -40 -60

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

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 remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for MPI0 has been increased compared to 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 200M 400M 600M 800M 1B
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 50B 100B 150B

2.2 Solvency

  • MPI0 has a Debt/Equity ratio of 0.89. This is a neutral value indicating 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 74.56% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.89
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.04%
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 0 5B 10B 15B 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 10B 20B 30B

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

5

3. Growth

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
  • 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
  • MPI0 is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.41% yearly.
EPS Next Y-41.22%
EPS Next 2Y-27.1%
EPS Next 3Y-15.48%
EPS Next 5Y-12.49%
Revenue Next Year19.51%
Revenue Next 2Y28.24%
Revenue Next 3Y22.24%
Revenue Next 5Y21.41%

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 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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4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 5.37 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 97.37% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.67, MPI0 is valued rather cheaply.
  • A Price/Forward Earnings ratio of 10.12 indicates a reasonable valuation of MPI0.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of MPI0 indicates a somewhat cheap valuation: MPI0 is cheaper than 79.82% of the companies listed in the same industry.
  • MPI0's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.69.
Industry RankSector Rank
PE 5.37
Fwd PE 10.12
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 0 1 -1 2 3

4.3 Compensation for Growth

  • A cheap valuation may be justified as MPI0's earnings are expected to decrease with -15.48% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-27.1%
EPS Next 3Y-15.48%

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

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 9.66%, MPI0 is a good candidate for dividend investing.
  • MPI0's Dividend Yield is rather good when compared to the industry average which is at 4.12. MPI0 pays more dividend than 99.12% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, MPI0 pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.66%

5.2 History

  • The dividend of MPI0 is nicely growing with an annual growth rate of 378.21%!
Dividend Growth(5Y)378.21%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 43.18% of the earnings are spent on dividend by MPI0. This is a bit on the high side, but may be sustainable.
DP43.18%
EPS Next 2Y-27.1%
EPS Next 3Y-15.48%
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 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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BANCA MONTE DEI PASCHI SIENA

FRA:MPI0 (2/12/2026, 7:00:00 PM)

8.327

-0.18 (-2.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-07
Earnings (Next)02-09
Inst Owners24.12%
Inst Owner ChangeN/A
Ins Owners9.77%
Ins Owner ChangeN/A
Market Cap25.30B
Revenue(TTM)6.39B
Net Income(TTM)2.50B
Analysts81.25
Price Target10.42 (25.14%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 9.66%
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)1.24%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-3.68%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 5.37
Fwd PE 10.12
P/S 4
P/FCF N/A
P/OCF N/A
P/B 2.21
P/tB 2.23
EV/EBITDA N/A
EPS(TTM)1.55
EY18.61%
EPS(NY)0.82
Fwd EY9.89%
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 RankSector 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 RankSector 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
WACC6.04%
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-41.22%
EPS Next 2Y-27.1%
EPS Next 3Y-15.48%
EPS Next 5Y-12.49%
Revenue 1Y (TTM)2.05%
Revenue growth 3Y11.13%
Revenue growth 5Y4.43%
Sales Q2Q%-1.55%
Revenue Next Year19.51%
Revenue Next 2Y28.24%
Revenue Next 3Y22.24%
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 for MPI0 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 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 5.37 and the Price/Book (PB) ratio is 2.21.


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 -41.22% in the next year.