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Banca Monte dei Paschi di Siena S.p.A. (BMPS.MI)

EUR11.44 +0.03 (+0.23%)
IT MIL Financial Services Banks - Regional
Address Piazza Salimbeni 3 53100
Siena, SI, IT
CEO Luigi Lovaglio
IPO 1999-06-25
ISIN IT0005508921

Explore sections of this company profile

Also trades on Italian Stock Exchange · BMPS.MI (EUR) Other OTC · BMDPF (USD)
Description

Banca Monte dei Paschi di Siena S.p.A., together with its subsidiaries, provides various banking products and services in Italy and internationally. It operates through four segments: Retail Banking, Wealth Management, Corporate Banking, and Large Corporate and Investment Banking. The company offers savings and deposit accounts, cards, advanced payment systems, insurance products, pensions, mortgages, and loans, as well as financial advisory, electronic payment, self-service customer operations, and consultancy services. It also provides asset management, financial planning, consultancy on non-financial services, and fiduciary and trust services; and credit intermediation, collaboration with trade associations, factoring offers, and third-party custody and storage services for dairy products. In addition, the company offers corporate and structured finance, medium and long-term credit, and specialized support, as well as leasing and bancassurance. It serves private customers, corporate and large group clients, and small and medium enterprises. The company was founded in 1472 and is headquartered in Siena, Italy.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR11.44 +0.03 (+0.23%)
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Volume Profile
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Liquidity & share structure
Average Volume
31M
Beta
0.94
Float Shares
735.47M
Free Float %
55.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.64% -8.69% -5.98% -2.45% +1.84% -8.40% +16.06% +284.94% -92.92% -99.85% -100.00%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
11.44
DCF (Unlevered) 17.10 +49.5%
DCF (Levered) 23.45 +105.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 67% Bullish
Rating 2026-05 Change
Strong Buy 2 0
Buy 6 0
Hold 4 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.45
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    -27.8% Q1'26: +35.6% (vs Q1'25)
  • EPS growth
    -0.7% Q1'26: -48.5% (vs Q1'25)
  • FCF margin
    Q1'26: -117.5% (vs Q1'25)
  • EBIT margin
    Q1'26: +46.5% (vs Q1'25)
  • ROIC
    Q1'26: +5.7% (vs Q1'25)
  • Share dilution
    +40.3% Q1'26: +141.8% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 11.57× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.95) × ERP
WACC = 57% × Ke + 43% × Kd (4.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 17.01 Current price: 11.44
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
11 Rev. Ana.
9 EPS Ana.
Dec 2027
11 Rev. Ana.
10 EPS Ana.
Dec 2028
10 Rev. Ana.
9 EPS Ana.
Dec 2029
5 Rev. Ana.
3 EPS Ana.
Revenue
7.37B
est: 4.49B (+64.2%)
6.00B
est: 4.40B (+36.4%)
5.67B
est: 4.03B (+40.5%)
4.26B
est: 3.35B (+27.2%)
4.16B
est: 3.17B (+31.0%)
3.89B
est: 2.92B (+33.1%)
3.86B
est: 3.03B (+27.7%)
3.91B
est: 3.02B (+29.4%)
6.01B
est: 3.48B (+72.6%)
6.56B
est: 4.02B (+63.0%)
4.74B
est: 4.97B (-4.7%)
7.96B
7.84B – 8.10B
+60.0% YoY
8.36B
8.19B – 8.61B
+5.1% YoY
8.72B
8.67B – 8.76B
+4.2% YoY
8.94B
8.78B – 9.16B
+2.6% YoY
EBITDA
626.16M
est: 289.43M (+116.3%)
-2.98B
est: 283.55M (-1,150.9%)
-3.95B
est: 259.83M (-1,620.7%)
196.39M
est: 216.00M (-9.1%)
334.81M
est: 204.52M (+63.7%)
-1.10B
est: 188.20M (-686.7%)
503.95M
est: 194.92M (+158.5%)
-386.55M
est: 194.44M (-298.8%)
1.93B
est: 754.75M (+155.8%)
1.66B
est: 872.25M (+90.5%)
2.26B
est: 1.08B (+110.0%)
1.72B
1.70B – 1.76B
+60.0% YoY
1.81B
1.78B – 1.87B
+5.1% YoY
1.89B
1.88B – 1.90B
+4.2% YoY
1.94B
1.90B – 1.99B
+2.6% YoY
EBIT
382.59M
est: 64.67M (+491.6%)
-3.23B
est: 63.35M (-5,192.4%)
-4.24B
est: 58.05M (-7,404.2%)
-76.80M
est: 48.26M (-259.1%)
53.59M
est: 45.70M (+17.3%)
-1.35B
est: 42.05M (-3,304.0%)
258.16M
est: 43.55M (+492.8%)
-605.13M
est: 43.44M (-1,492.9%)
1.70B
est: 596.56M (+185.3%)
1.46B
est: 689.43M (+112.4%)
2.08B
est: 852.03M (+143.6%)
1.36B
1.34B – 1.39B
+60.0% YoY
1.43B
1.40B – 1.48B
+5.1% YoY
1.49B
1.49B – 1.50B
+4.2% YoY
1.53B
1.51B – 1.57B
+2.6% YoY
Net Income
388.10M
est: 27.68B (-98.6%)
-3.24B
est: -679.24B (+99.5%)
-3.50B
est: -109.18B (+96.8%)
278.58M
est: 6.69B (-95.8%)
-1.03B
est: 2.26B (-145.8%)
-1.69B
est: -18.71B (+91.0%)
309.51M
est: 9.25B (-96.7%)
-178.36M
est: 267.92M (-166.6%)
2.05B
est: 3.68B (-44.3%)
1.95B
est: 1.80B (+8.6%)
3.04B
est: 1.18B (+157.1%)
1.34B
1.15B – 1.52B
+13.3% YoY
1.60B
1.40B – 1.79B
+19.3% YoY
1.72B
1.60B – 1.83B
+7.5% YoY
1.97B
1.92B – 2.03B
+14.7% YoY
SGA
1.31B
est: 470.92M (+177.1%)
1.45B
est: 461.34M (+213.8%)
1.22B
est: 422.75M (+188.1%)
637.18M
est: 351.44M (+81.3%)
629.84M
est: 332.76M (+89.3%)
583.48M
est: 306.20M (+90.6%)
492.70M
est: 317.15M (+55.4%)
484.02M
est: 316.37M (+53.0%)
425.55M
est: 484.02M (-12.1%)
339.94M
est: 559.38M (-39.2%)
1.52B
est: 691.30M (+120.0%)
1.11B
1.09B – 1.13B
+60.0% YoY
1.16B
1.14B – 1.20B
+5.1% YoY
1.21B
1.21B – 1.22B
+4.2% YoY
1.24B
1.22B – 1.27B
+2.6% YoY
EPS
465.25
est: 21.98 (+2,016.5%)
-2,296.51
est: -539.34 (-325.8%)
-152.10
est: -86.69 (-75.5%)
5.26
est: 5.31 (-0.9%)
-19.16
est: 1.79 (-1,169.2%)
-32.22
est: -14.86 (-116.9%)
6.54
est: 7.35 (-11.0%)
-0.20
est: 0.21 (-195.3%)
1.63
est: 2.08 (-21.5%)
1.55
est: 1.01 (+53.0%)
1.54
est: 0.67 (+131.4%)
0.78
0.65 – 0.86
+17.0% YoY
0.90
0.79 – 1.01
+15.7% YoY
0.99
0.91 – 1.04
+9.7% YoY
1.11
1.09 – 1.15
+12.8% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-21 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-05-20 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-05-19 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-05-18 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-05-15 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-05-14 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-05-13 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-05-12 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-05-11 A 4/5 5/5 5/5 4/5 2/5 4/5 2/5
2026-05-08 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-05-07 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-05-06 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-05-05 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-05-04 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-30 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-29 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-28 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-27 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-24 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-23 A+ 4/5 5/5 5/5 5/5 2/5 4/5 3/5
2026-04-22 A+ 4/5 5/5 5/5 5/5 2/5 4/5 3/5
2026-04-21 A+ 4/5 5/5 5/5 5/5 2/5 4/5 3/5
2026-04-20 A+ 4/5 5/5 5/5 5/5 2/5 4/5 3/5
2026-04-17 A+ 4/5 5/5 5/5 5/5 2/5 4/5 3/5
2026-04-16 A+ 4/5 5/5 5/5 5/5 2/5 4/5 3/5
2026-04-15 A 4/5 5/5 5/5 5/5 1/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-359.56M
OE per share TTM
-0.29
Owner's Yield
-1.38%
Maintenance CapEx ratio
1.56%
Maint CapEx / Avg PPE
44.6%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
103.6K
Shares Outstanding
1.32B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Luigi Lovaglio CEO & Director 582.8K male
Andrea Francesco Maffezzoni Chief Financial Officer & Chief Financial Reporting Officer male
Elisabetta Pozzi Head of Investor Relations female
Emanuele Scarnati Chief Commercial Officer of Large Corporate & Investment Banking di Banca MPS male
Ettore Carneade Chief Compliance Executive male
Fabrizio Leandri Chief Lending Officer male
Fiorella Ferri Chief Human Capital Officer female
Maurizio Bai Deputy Commercial General Manager male
Moreno Sonnini Head of the North-West Territorial Area
Renzo Filippo Riccardo Quagliana Group General Counsel male
Alessandro Giacometti Chief Operating Officer male
Vittorio Calvanico Chief Safety & Security Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits