Snowflake Score | |
---|---|
Valuation | 4/6 |
Future Growth | 3/6 |
Past Performance | 2/6 |
Financial Health | 3/6 |
Dividends | 0/6 |
BMPS Stock Overview
Banca Monte dei Paschi di Siena S.p.A. provides retail and commercial banking services primarily in Italy.
Banca Monte dei Paschi di Siena Competitors
Price History & Performance
Historical stock prices | |
---|---|
Current Share Price | €0.71 |
52 Week High | €1.31 |
52 Week Low | €0.68 |
Beta | 1.28 |
1 Month Change | -19.33% |
3 Month Change | -24.92% |
1 Year Change | -41.69% |
3 Year Change | -36.38% |
5 Year Change | n/a |
Change since IPO | -100.00% |
Recent News & Updates
Shareholder Returns
BMPS | IT Banks | IT Market | |
---|---|---|---|
7D | 0.4% | 0.5% | 0.7% |
1Y | -41.7% | -9.8% | -5.5% |
Return vs Industry: BMPS underperformed the Italian Banks industry which returned -9.8% over the past year.
Return vs Market: BMPS underperformed the Italian Market which returned -5.5% over the past year.
Price Volatility
BMPS volatility | |
---|---|
BMPS Average Weekly Movement | 6.6% |
Banks Industry Average Movement | 6.6% |
Market Average Movement | 6.2% |
10% most volatile stocks in IT Market | 8.6% |
10% least volatile stocks in IT Market | 4.0% |
Stable Share Price: BMPS is not significantly more volatile than the rest of Italian stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: BMPS's weekly volatility (7%) has been stable over the past year.
About the Company
Founded | Employees | CEO | Website |
---|---|---|---|
1472 | 21,244 | Luigi Lovaglio | https://www.gruppomps.it |
Banca Monte dei Paschi di Siena S.p.A. provides retail and commercial banking services primarily in Italy. The company operates through Retail Banking, Corporate Banking, and Wealth Management segments. It offers funding and lending services, insurance products, financial advisory, and electronic payment services; financial and non-financial services; wealth management and financial planning services; consultancy services, such as tax planning, real estate, art, and legal advisory; fiduciary and trust services; and digital banking services.
Banca Monte dei Paschi di Siena Fundamentals Summary
BMPS fundamental statistics | |
---|---|
Market Cap | €707.20m |
Earnings (TTM) | €200.51m |
Revenue (TTM) | €2.71b |
3.5x
P/E Ratio0.1x
P/B RatioIs BMPS overvalued?
See Fair Value and valuation analysisEarnings & Revenue
BMPS income statement (TTM) | |
---|---|
Revenue | €2.71b |
Cost of Revenue | €38.23m |
Gross Profit | €2.68b |
Other Expenses | €2.48b |
Earnings | €200.51m |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
Aug 04, 2022
Earnings per share (EPS) | 0.20 |
Gross Margin | 98.59% |
Net Profit Margin | 7.39% |
Debt/Equity Ratio | 172.1% |
How did BMPS perform over the long term?
See historical performance and comparisonValuation
Is Banca Monte dei Paschi di Siena undervalued compared to its fair value and its price relative to the market?
Valuation Score
4/6Valuation Score 4/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PEG Ratio
PB vs Industry
3.53x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: BMPS (€0.71) is trading above our estimate of fair value (€0.46)
Significantly Below Fair Value: BMPS is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: BMPS is good value based on its PE Ratio (3.5x) compared to the Italian Banks industry average (8.3x).
PE vs Market: BMPS is good value based on its PE Ratio (3.5x) compared to the Italian market (17.3x).
Price to Earnings Growth Ratio
PEG Ratio: BMPS is good value based on its PEG Ratio (0.2x)
Price to Book Ratio
PB vs Industry: BMPS is good value based on its PB Ratio (0.1x) compared to the IT Banks industry average (0.5x).
Future Growth
How is Banca Monte dei Paschi di Siena forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
Future Growth Score
3/6Future Growth Score 3/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
17.0%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BMPS's forecast earnings growth (17% per year) is above the savings rate (1.7%).
Earnings vs Market: BMPS's earnings (17% per year) are forecast to grow faster than the Italian market (9.7% per year).
High Growth Earnings: BMPS's earnings are forecast to grow, but not significantly.
Revenue vs Market: BMPS's revenue (2.5% per year) is forecast to grow faster than the Italian market (-0.03% per year).
High Growth Revenue: BMPS's revenue (2.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BMPS's Return on Equity is forecast to be low in 3 years time (2.5%).
Past Performance
How has Banca Monte dei Paschi di Siena performed over the past 5 years?
Past Performance Score
2/6Past Performance Score 2/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
46.5%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BMPS has a large one-off loss of €197.6M impacting its March 31 2022 financial results.
Growing Profit Margin: BMPS became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: BMPS has become profitable over the past 5 years, growing earnings by 46.5% per year.
Accelerating Growth: BMPS has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: BMPS has become profitable in the last year, making it difficult to compare its past year earnings growth to the Banks industry (35.8%).
Return on Equity
High ROE: BMPS's Return on Equity (3.3%) is considered low.
Financial Health
How is Banca Monte dei Paschi di Siena's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
3/6Financial Health Score 3/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BMPS's Assets to Equity ratio (22x) is very high.
Allowance for Bad Loans: BMPS has a low allowance for bad loans (59%).
Low Risk Liabilities: 83% of BMPS's liabilities are made up of primarily low risk sources of funding.
Loan Level: BMPS has an appropriate level of Loans to Assets ratio (71%).
Low Risk Deposits: BMPS's Loans to Deposits ratio (89%) is appropriate.
Level of Bad Loans: BMPS has a high level of bad loans (4.4%).
Dividend
What is Banca Monte dei Paschi di Siena current dividend yield, its reliability and sustainability?
Dividend Score
0/6Dividend Score 0/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate BMPS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate BMPS's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if BMPS's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if BMPS's dividend payments have been increasing.
Current Payout to Shareholders
Earnings Coverage: BMPS is not paying a notable dividend for the Italian market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of BMPS's dividend in 3 years as they are not forecast to pay a notable one for the Italian market.
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
5.5yrs
Average management tenure
CEO
Luigi Lovaglio (66 yo)
0.25
Tenure
Mr. Luigi Lovaglio has been Chief Executive Officer, General Manager and Director of Banca Monte dei Paschi di Siena S.p.A. since February 04, 2022. Mr. Lovaglio had been a Director at Credito Valtellinese...
Leadership Team
Experienced Management: BMPS's management team is seasoned and experienced (5.5 years average tenure).
Board Members
Experienced Board: BMPS's board of directors are not considered experienced ( 2 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 3.8%.
Top Shareholders
Company Information
Banca Monte dei Paschi di Siena S.p.A.'s employee growth, exchange listings and data sources
Key Information
- Name: Banca Monte dei Paschi di Siena S.p.A.
- Ticker: BMPS
- Exchange: BIT
- Founded: 1472
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: €707.197m
- Shares outstanding: 1.00b
- Website: https://www.gruppomps.it
Number of Employees
Location
- Banca Monte dei Paschi di Siena S.p.A.
- Piazza Salimbeni, 3
- Siena
- Siena
- 53100
- Italy
Listings
Company Analysis and Financial Data Status
Data | Last Updated (UTC time) |
---|---|
Company Analysis | 2022/05/21 00:00 |
End of Day Share Price | 2022/05/20 00:00 |
Earnings | 2022/03/31 |
Annual Earnings | 2021/12/31 |
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 here.