(BMPS) Banca Monte dei Paschi di - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: MI (Italy) | Market Cap: 28.473m EUR | Total Return: 29.4% in 12m
Avg Turnover: 181M
EPS Trend: -55.0%
Qual. Beats: 0
Rev. Trend: 87.8%
Qual. Beats: 0
Warnings
Fakeout Choppy Below Avwap Earnings
Tailwinds
No distinct edge detected
Banca Monte dei Paschi di Siena SpA (BMPS) is an Italian financial institution providing retail, corporate, and investment banking services. Founded in 1472, it is recognized as the world’s oldest operating bank and maintains a significant presence across Italy through four primary business segments: Retail Banking, Wealth Management, Corporate Banking, and Large Corporate and Investment Banking.
The bank’s business model relies on traditional credit intermediation and fee-based services, including asset management, insurance products, and structured finance for small and medium enterprises. In addition to standard financial products, the company provides specialized services such as fiduciary trusts and third-party storage for dairy products, reflecting its deep integration into the Italian regional economy. Diversified banks in the Eurozone currently navigate a landscape defined by net interest margin fluctuations and evolving regulatory capital requirements.
Investors can further examine these financial trends and valuation metrics on ValueRay. Given its history and systemic importance, the bank serves a broad client base ranging from individual private customers to large institutional groups.
- Net interest margin sensitivity to European Central Bank monetary policy shifts
- Italian government stake divestment process impacts share price volatility
- Asset quality improvement and reduction of non-performing loan ratios
- Operational efficiency gains through branch consolidation and workforce reduction
- Domestic economic growth trends influence loan demand and credit risk cost
| Net Income: 3.60b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 2.02 > 1.0 |
| NWC/Revenue: 293.0% < 20% (prev 356.1%; Δ -63.09% < -1%) |
| CFO/TA 0.01 > 3% & CFO 1.74b > Net Income 3.60b |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: 25.35 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.04b) vs 12m ago 141.2% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 4.02% > 50% (prev 3.25%; Δ 0.76% > 0%) |
| Interest Coverage Ratio: 4.06 > 6 (EBITDA TTM 2.61b / Interest Expense TTM 595.7m) |
| A: 0.12 (Total Current Assets 15.0b - Total Current Liabilities 592.3m) / Total Assets 123b |
| B: 0.06 (Retained Earnings 6.78b / Total Assets 123b) |
| C: 0.02 (EBIT TTM 2.42b / Avg Total Assets 123b) |
| D: 0.22 (Book Value of Equity 24.8b / Total Liabilities 111b) |
| Altman-Z'' = 1.32 = BB |
As of May 24, 2026, the stock is trading at EUR 8.71 with a total of 20,393,725 shares traded.
Over the past week, the price has changed by +2.34%,
over one month by +5.62%,
over three months by +10.66% and
over the past year by +29.37%.
Banca Monte dei Paschi di has no consensus analysts rating.
P/E Trailing = 6.7906
P/E Forward = 6.1881
P/S = 6.0258
P/B = 1.0141
P/EG = 0.9579
Revenue TTM = 4.92b EUR
EBIT TTM = 2.42b EUR
EBITDA TTM = 2.61b EUR
Long Term Debt = 39.5b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 13.5b EUR (28.5b + (null Debt) - CCE 15.0b)
Interest Coverage Ratio = 4.06 (Ebit TTM 2.42b / Interest Expense TTM 595.7m)
EV/FCF = 8.30x (Enterprise Value 13.5b / FCF TTM 1.62b)
FCF Yield = 12.05% (FCF TTM 1.62b / Enterprise Value 13.5b)
FCF Margin = 32.93% (FCF TTM 1.62b / Revenue TTM 4.92b)
Net Margin = 73.19% (Net Income TTM 3.60b / Revenue TTM 4.92b)
Gross Margin = unknown ((Revenue TTM 4.92b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.11 (Enterprise Value 13.5b / Total Assets 123b)
Interest Expense / Debt = unknown (Interest Expense 595.7m / Debt none)
Taxrate = 25.0% (EU avg default 25%)
NOPAT = 1.81b (EBIT 2.42b * (1 - 25.00%))
Current Ratio = 25.35 (Total Current Assets 15.0b / Total Current Liabilities 592.3m)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 2.61b)
Debt / FCF = unknown (Net Debt none / FCF TTM 1.62b)
Total Stockholder Equity = 19.6b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.94% (Net Income 3.60b / Total Assets 123b)
RoE = 18.42% (Net Income TTM 3.60b / Total Stockholder Equity 19.6b)
RoCE = 4.09% (EBIT 2.42b / Capital Employed (Equity 19.6b + L.T.Debt 39.5b))
RoIC = 2.26% (EBIT 2.42b / (Assets 123b - Curr.Liab 592.3m - Cash 15.0b))
WACC = 8.18% (E(28.5b)/V(28.5b) * Re(8.18%) + (debt-free company))
Discount Rate = 8.18% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 54.51 | Cagr: 10.59%
[DCF] Terminal Value 75.44% ; FCFF base≈1.62b ; Y1≈1.63b ; Y5≈1.72b
[DCF] Fair Price = 8.83 (EV 26.8b - Net Debt 0.0 = Equity 26.8b / Shares 3.04b; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: -54.97 | EPS CAGR: -16.48% | SUE: -0.09 | # QB: 0
Revenue Correlation: 87.80 | Revenue CAGR: 10.82% | SUE: -0.08 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.21 | Chg30d=+2.44% | Revisions=+20% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.22 | Chg30d=+6.01% | Revisions=+20% | Analysts=1
EPS current Year (2026-12-31): EPS=0.76 | Chg30d=-2.47% | Revisions=-33% | GrowthEPS=-50.9% | GrowthRev=+95.2%
EPS next Year (2027-12-31): EPS=0.90 | Chg30d=+1.93% | Revisions=+0% | GrowthEPS=+17.5% | GrowthRev=+5.7%
[Analyst] Revisions Ratio: -33%