Logo image of BMPS.MI

BANCA MONTE DEI PASCHI SIENA (BMPS.MI) Stock Fundamental Analysis

BIT:BMPS - Euronext Milan - IT0005508921 - Common Stock - Currency: EUR

6.789  +0.28 (+4.3%)

Fundamental Rating

4

Overall BMPS gets a fundamental rating of 4 out of 10. We evaluated BMPS against 95 industry peers in the Banks industry. BMPS has only an average score on both its financial health and profitability. BMPS has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

BMPS had positive earnings in the past year.
The reported net income has been mixed in the past 5 years: BMPS reported negative net income in multiple years.
The reported operating cash flow has been mixed in the past 5 years: BMPS reported negative operating cash flow in multiple years.
BMPS.MI Yearly Net Income VS EBIT VS OCF VS FCFBMPS.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 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 2.19%, BMPS belongs to the best of the industry, outperforming 97.89% of the companies in the same industry.
BMPS's Return On Equity of 23.09% is amongst the best of the industry. BMPS outperforms 98.95% of its industry peers.
Industry RankSector Rank
ROA 2.19%
ROE 23.09%
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
BMPS.MI Yearly ROA, ROE, ROICBMPS.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

1.3 Margins

BMPS has a Profit Margin of 43.58%. This is amongst the best in the industry. BMPS outperforms 93.68% of its industry peers.
In the last couple of years the Profit Margin of BMPS has grown nicely.
The Operating Margin and Gross Margin are not available for BMPS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 43.58%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y72.11%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BMPS.MI Yearly Profit, Operating, Gross MarginsBMPS.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 -60

More info and screens

4

2. Health

2.1 Basic Checks

BMPS does not have a ROIC to compare to the WACC, probably because it is not profitable.
BMPS has about the same amout of shares outstanding than it did 1 year ago.
BMPS has more shares outstanding than it did 5 years ago.
There is no outstanding debt for BMPS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
BMPS.MI Yearly Shares OutstandingBMPS.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
BMPS.MI Yearly Total Debt VS Total AssetsBMPS.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

2.2 Solvency

BMPS 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
WACC5.41%
BMPS.MI Yearly LT Debt VS Equity VS FCFBMPS.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BMPS.MI Yearly Current Assets VS Current LiabilitesBMPS.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

More info and screens

2

3. Growth

3.1 Past

The earnings per share for BMPS have decreased by -4.91% in the last year.
The Earnings Per Share has been growing by 70.95% on average over the past years. This is a very strong growth
The Revenue has been growing slightly by 2.37% in the past year.
BMPS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.27% yearly.
EPS 1Y (TTM)-4.91%
EPS 3Y70.95%
EPS 5YN/A
EPS Q2Q%-65.92%
Revenue 1Y (TTM)2.37%
Revenue growth 3Y7.33%
Revenue growth 5Y2.27%
Sales Q2Q%0.38%

3.2 Future

The Earnings Per Share is expected to decrease by -15.81% on average over the next years. This is quite bad
Based on estimates for the next years, BMPS will show a decrease in Revenue. The Revenue will decrease by -1.78% on average per year.
EPS Next Y-33.15%
EPS Next 2Y-20.04%
EPS Next 3Y-13.79%
EPS Next 5Y-15.81%
Revenue Next Year-4.02%
Revenue Next 2Y-2.29%
Revenue Next 3Y-1.03%
Revenue Next 5Y-1.78%

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 decreasing.
BMPS.MI Yearly Revenue VS EstimatesBMPS.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B
BMPS.MI Yearly EPS VS EstimatesBMPS.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 -1K -2K -3K -4K

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 4.38, the valuation of BMPS can be described as very cheap.
BMPS's Price/Earnings ratio is rather cheap when compared to the industry. BMPS is cheaper than 96.84% of the companies in the same industry.
BMPS is valuated cheaply when we compare the Price/Earnings ratio to 28.64, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 6.56, the valuation of BMPS can be described as very cheap.
Based on the Price/Forward Earnings ratio, BMPS is valued cheaper than 96.84% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BMPS to the average of the S&P500 Index (21.44), we can say BMPS is valued rather cheaply.
Industry RankSector Rank
PE 4.38
Fwd PE 6.56
BMPS.MI Price Earnings VS Forward Price EarningsBMPS.MI 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
BMPS.MI Per share dataBMPS.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

BMPS's earnings are expected to decrease with -13.79% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-20.04%
EPS Next 3Y-13.79%

More info and screens

3

5. Dividend

5.1 Amount

BMPS has a Yearly Dividend Yield of 3.83%.
BMPS's Dividend Yield is slightly below the industry average, which is at 5.47.
BMPS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.52.
Industry RankSector Rank
Dividend Yield 3.83%

5.2 History

Dividend Growth(5Y)0%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

The Dividend Rate of BMPS has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP0%
EPS Next 2Y-20.04%
EPS Next 3Y-13.79%
BMPS.MI Yearly Income VS Free CF VS DividendBMPS.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B 6B 8B

More info and screens

BANCA MONTE DEI PASCHI SIENA

BIT:BMPS (4/23/2025, 7:00:00 PM)

6.789

+0.28 (+4.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-06 2025-02-06/bmo
Earnings (Next)05-08 2025-05-08
Inst Owners26.62%
Inst Owner ChangeN/A
Ins Owners5.03%
Ins Owner ChangeN/A
Market Cap8.55B
Analysts78.67
Price Target7.9 (16.36%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.83%
Yearly Dividend0
Dividend Growth(5Y)0%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)87.12%
Min EPS beat(2)62.22%
Max EPS beat(2)112.01%
EPS beat(4)4
Avg EPS beat(4)110.28%
Min EPS beat(4)62.22%
Max EPS beat(4)199.35%
EPS beat(8)8
Avg EPS beat(8)120.65%
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)2
Avg Revenue beat(2)3.87%
Min Revenue beat(2)3.6%
Max Revenue beat(2)4.13%
Revenue beat(4)4
Avg Revenue beat(4)2.81%
Min Revenue beat(4)1.59%
Max Revenue beat(4)4.13%
Revenue beat(8)7
Avg Revenue beat(8)2.7%
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)2.05%
PT rev (3m)11.98%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.37%
EPS NY rev (3m)9.37%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.79%
Valuation
Industry RankSector Rank
PE 4.38
Fwd PE 6.56
P/S 1.39
P/FCF N/A
P/OCF N/A
P/B 0.73
P/tB 0.73
EV/EBITDA N/A
EPS(TTM)1.55
EY22.83%
EPS(NY)1.04
Fwd EY15.25%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS4.9
BVpS9.25
TBVpS9.24
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.19%
ROE 23.09%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 43.58%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y72.11%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.05
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
WACC5.41%
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 3Y70.95%
EPS 5YN/A
EPS Q2Q%-65.92%
EPS Next Y-33.15%
EPS Next 2Y-20.04%
EPS Next 3Y-13.79%
EPS Next 5Y-15.81%
Revenue 1Y (TTM)2.37%
Revenue growth 3Y7.33%
Revenue growth 5Y2.27%
Sales Q2Q%0.38%
Revenue Next Year-4.02%
Revenue Next 2Y-2.29%
Revenue Next 3Y-1.03%
Revenue Next 5Y-1.78%
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