BANCA MONTE DEI PASCHI SIENA(BIT:BMPS) stock Fundamental Analysis

Fundamental Rating

BMPS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 99 industry peers in the Banks industry. Both the profitability and the financial health of BMPS get a neutral evaluation. Nothing too spectacular is happening here. BMPS has a valuation in line with the averages, but on the other hand it scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year BMPS was profitable.

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.

1.2 Ratios

Looking at the Return On Assets, with a value of 2.19%, BMPS belongs to the top of the industry, outperforming 97.85% of the companies in the same industry.

With an excellent Return On Equity value of 23.09%, BMPS belongs to the best of the industry, outperforming 98.92% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

BMPS has a Profit Margin of 43.58%. This is amongst the best in the industry. BMPS outperforms 93.55% of its industry peers.

BMPS's Profit Margin has improved in the last couple of years.

The Operating Margin and Gross Margin are not available for BMPS so they could not be analyzed.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BMPS does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, BMPS has about the same amount of shares outstanding.

The number of shares outstanding for BMPS has been increased compared to 5 years ago.

BMPS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

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 Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.19%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BMPS shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.36%.

BMPS shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 70.95% yearly.

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)4.36%

EPS 3Y70.95%

EPS 5YN/A

EPS Q2Q%-44.86%

Revenue 1Y (TTM)2.37%

Revenue growth 3Y7.33%

Revenue growth 5Y2.27%

Sales Q2Q%103.35%

3.2 Future

Based on estimates for the next years, BMPS will show a very negative growth in Earnings Per Share. The EPS will decrease by -10.02% on average per year.

Based on estimates for the next years, BMPS will show a small growth in Revenue. The Revenue will grow by 0.47% on average per year.

EPS Next Y-16.5%

EPS Next 2Y-10.6%

EPS Next 3Y-7.22%

EPS Next 5Y-10.02%

Revenue Next Year-4.02%

Revenue Next 2Y-2.29%

Revenue Next 3Y-1.03%

Revenue Next 5Y0.47%

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 decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 3.36, the valuation of BMPS can be described as very cheap.

Compared to the rest of the industry, the Price/Earnings ratio of BMPS indicates a rather cheap valuation: BMPS is cheaper than 98.92% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 29.35. BMPS is valued rather cheaply when compared to this.

The Price/Forward Earnings ratio is 6.99, which indicates a rather cheap valuation of BMPS.

95.70% of the companies in the same industry are more expensive than BMPS, based on the Price/Forward Earnings ratio.

BMPS is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	3.36
Fwd PE	6.99

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

BMPS's earnings are expected to decrease with -7.22% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-10.6%

EPS Next 3Y-7.22%

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5. Dividend

5.1 Amount

BMPS has a Yearly Dividend Yield of 3.41%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 5.06, BMPS is paying slightly less dividend.

BMPS's Dividend Yield is a higher than the S&P500 average which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	3.41%

5.2 History

Dividend Growth(5Y)0%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

BMPS's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.

DP0%

EPS Next 2Y-10.6%

EPS Next 3Y-7.22%

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BANCA MONTE DEI PASCHI SIENA

BIT:BMPS (3/7/2025, 7:00:00 PM)

7.214

-0.11 (-1.5%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-05 2025-02-05/amc

Earnings (Next)05-05 2025-05-05

Inst Owners26.62%

Inst Owner ChangeN/A

Ins Owners5.03%

Ins Owner ChangeN/A

Market Cap9.09B

Analysts77.33

Price Target7.74 (7.29%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.41%

Yearly Dividend0

Dividend Growth(5Y)0%

DP0%

Div Incr Years0

Div Non Decr Years0

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)2

Avg Revenue beat(2)57%

Min Revenue beat(2)4.13%

Max Revenue beat(2)109.87%

Revenue beat(4)4

Avg Revenue beat(4)29.38%

Min Revenue beat(4)1.59%

Max Revenue beat(4)109.87%

Revenue beat(8)7

Avg Revenue beat(8)15.98%

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)3.25%

PT rev (3m)11.18%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)2.04%

EPS NY rev (3m)8.97%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.9%

Revenue NY rev (3m)2.52%

Valuation

		Industry Rank	Sector Rank
PE	3.36
Fwd PE	6.99
P/S	1.47
P/FCF	N/A
P/OCF	N/A
P/B	0.78
P/tB	0.78
EV/EBITDA	N/A

EPS(TTM)2.15

EY29.8%

EPS(NY)1.03

Fwd EY14.3%

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 Rank	Sector 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 Rank	Sector 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

WACC5.19%

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)4.36%

EPS 3Y70.95%

EPS 5YN/A

EPS Q2Q%-44.86%

EPS Next Y-16.5%

EPS Next 2Y-10.6%

EPS Next 3Y-7.22%

EPS Next 5Y-10.02%

Revenue 1Y (TTM)2.37%

Revenue growth 3Y7.33%

Revenue growth 5Y2.27%

Sales Q2Q%103.35%

Revenue Next Year-4.02%

Revenue Next 2Y-2.29%

Revenue Next 3Y-1.03%

Revenue Next 5Y0.47%

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 (BMPS.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens