Banca Monte dei Paschi di Siena (MPI0) Stock Overview

Provides retail and commercial banking services in Italy. More details

MPI0 fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	2/6
Past Performance	2/6
Financial Health	4/6
Dividends	3/6

Rewards

Trading at 40.4% below our estimate of its fair value

Earnings are forecast to grow 5.36% per year

Analysts in good agreement that stock price will rise by 24.8%

Risk Analysis

Shares are highly illiquid

Shareholders have been substantially diluted in the past year

Dividend of 11.56% is either not well covered by earnings currently or not forecast to be covered

Profit margins (45.9%) are lower than last year (77.1%)

MPI0 Community Fair Values

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Banca Monte dei Paschi di Siena S.p.A. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Banca Monte dei Paschi di Siena
Historical stock prices
Current Share Price	€7.44
52 Week High	€8.49
52 Week Low	€7.32
Beta	0.95
1 Month Change	1.63%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-98.46%

Recent updates

Shareholder Returns

	MPI0	DE Banks	DE Market
7D	-2.5%	0.2%	2.7%
1Y	n/a	49.4%	14.9%

Return vs Industry: Insufficient data to determine how MPI0 performed against the German Banks industry.

Return vs Market: Insufficient data to determine how MPI0 performed against the German Market.

Price Volatility

Is MPI0's price volatile compared to industry and market?
MPI0 volatility
MPI0 Average Weekly Movement	n/a
Banks Industry Average Movement	3.2%
Market Average Movement	4.9%
10% most volatile stocks in DE Market	12.4%
10% least volatile stocks in DE Market	2.5%

Stable Share Price: MPI0's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine MPI0's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1472	16,633	Luigi Lovaglio	www.gruppomps.it

Banca Monte dei Paschi di Siena S.p.A., together with its subsidiaries, provides retail and commercial banking services in Italy. The company operates through Retail Banking, Wealth Management, Corporate Banking, and Large Corporate and Investment Banking segments. It offers current accounts, payments and collections, deposit accounts, cards, and advanced payment systems; foreign banking services; ATMs; and custody and deposit services for dairy products on behalf of third parties.

Banca Monte dei Paschi di Siena S.p.A. Fundamentals Summary

How do Banca Monte dei Paschi di Siena's earnings and revenue compare to its market cap?
MPI0 fundamental statistics
Market cap	€22.60b
Earnings (TTM)	€1.68b
Revenue (TTM)	€3.67b

13.4x

P/E Ratio

2.0x

P/B Ratio

Is MPI0 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
MPI0 income statement (TTM)
Revenue	€3.67b
Cost of Revenue	€30.11m
Gross Profit	€3.64b
Other Expenses	€1.96b
Earnings	€1.68b

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

Nov 06, 2025

Earnings per share (EPS)	0.55
Gross Margin	99.18%
Net Profit Margin	45.87%
Debt/Equity Ratio	238.8%

How did MPI0 perform over the long term?

See historical performance and comparison

Dividends

11.6%

Current Dividend Yield

64%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/10/06 07:45
End of Day Share Price	2025/10/06 00:00
Earnings	2025/06/30
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Banca Monte dei Paschi di Siena S.p.A. is covered by 30 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Luigi Tramontana	Banca Akros S.p.A. (ESN)
Jaime Echenique Conde	Banco Santander
Paola Sabbione	Barclays

Banca Monte dei Paschi di Siena S.p.A.XTRA:MPI0 Stock Report