1.42%
-5.23%
23.33%
40.67%
88.12%
-93.36%
-96.28%
AI Spotlight on BMPS
Company Description
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.
The company also provides leasing and factoring services for businesses, artisans, and professionals; and medium-and long-term credit facilities, corporate finance, capital markets, and structured finance services.In addition, it offers investment banking products and services; foreign banking services; and custody and deposit services for dairy products on behalf of third parties.Further, the company develops and manages ICT and telecommunication systems.
As of December 31, 2021, it operated a network of 1,368 branches, 126 specialized centers, and 2,621 ATM machines in Italy; 1 operational branch in Shanghai; and 8 representative offices in the areas of Europe, North Africa, India, and China.The company was founded in 1472 and is headquartered in Siena, Italy.
Market Data
| Last Price | 6.3 |
| Change Percentage | 1.42% |
| Open | 6.12 |
| Previous Close | 6.21 |
| Market Cap ( Millions) | 7939 |
| Volume | 15019935 |
| Year High | 7.2 |
| Year Low | 3.23 |
| M A 50 | 6.59 |
| M A 200 | 5.4 |
Financial Ratios
| FCF Yield | -28.95% |
| Dividend Yield | 3.97% |
| ROE | 25.40% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | 0.00% |
| Price To Book | 0.7 |
| Price Earnings Ratio | 2.95 |
| Price To FCF | -3.45 |
| Price To sales | 2.03 |
| EV / EBITDA | 0 |
News
- Jan -29 - Mediobanca turns down Monte dei Paschi’s $14bn buyout offer
- Jan -28 - Italian bank Mediobanca rejects takeover bid by domestic rival Monte dei Paschi
- Jan -28 - Mediobanca rejects Monte dei Paschi buyout bid, saying it is "devoid" of rationale
- Jan -27 - Italy's MPS shares fall ahead of Mediobanca board meeting on bid
- Jan -27 - Bid discount indicates scepticism over MPS bid for Italian rival Mediobanca
- Jan -24 - Italian bank Monte dei Paschi launches 13 billion euro takeover bid for peer Mediobanca
- Jan -24 - Monte dei Paschi bids for Mediobanca as Italian banking drama escalates
- Jan -24 - Monte dei Paschi bids for Mediobanca as Italian banking drama escalates
- Jan -08 - Italy’s Banca Ifis Bids $308.7 Million for Illimity Amid Sector Consolidation
- Nov -27 - European bank stock picks for 2025, according to Deutsche Bank
- Nov -14 - Italy sells 15% stake in Monte dei Paschi stake for $1.16bn
- Nov -14 - Banco BPM, Anima Buy Into Banca Monte Dei Paschi as Italian State Cuts Stake
- Nov -13 - Italy brings on board Banco BPM in $1.2 billion Monte dei Paschi stake sale
- Nov -13 - Italy brings on board Banco BPM in $1.2 billion Monte dei Paschi stake sale
- Nov -09 - Banca Monte dei Paschi di Siena (BMDPF) Q3 2024 Earnings Call Highlights: Strong Profit Growth ...
- Nov -08 - Monte dei Paschi di Siena Posts Quarterly Beat on Fees Growth
- May -29 - Monte dei Paschi shares drop on reports of new probe into Italy bailout conditions
- Nov -20 - Italy raises $1 billion from Monte dei Paschi's 25% stake sale
- Nov -08 - Italy's MPS raises profit outlook as legal risks recede
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Retail Banking
Expected Growth : 2.5 %
What the company do ?
Retail Banking from Banca Monte dei Paschi di Siena S.p.A. offers personalized banking services to individuals, including accounts, loans, credit cards, and investment products.
Why we expect these perspectives ?
The 2.5% growth in Retail Banking at Banca Monte dei Paschi di Siena S.p.A. is driven by increasing demand for digital banking services, expansion of branch networks, and strategic partnerships. Additionally, the bank's focus on customer-centric approach, competitive pricing, and innovative product offerings have contributed to the growth.
Segment n°2 -> Corporate Banking
Expected Growth : 2.8 %
What the company do ?
Corporate Banking from Banca Monte dei Paschi di Siena S.p.A. provides financial solutions to large corporations, including cash management, trade finance, and lending services.
Why we expect these perspectives ?
The 2.8% growth in Corporate Banking at Banca Monte dei Paschi di Siena S.p.A. is driven by increased lending to SMEs, expansion into new markets, and strategic partnerships. Additionally, the bank's focus on digital transformation and improved customer service have contributed to the growth. Furthermore, the Italian government's support for economic development and the bank's strong risk management practices have also played a role.
Segment n°3 -> Large Corporate & Investment Banking
Expected Growth : 3.2 %
What the company do ?
Large Corporate & Investment Banking from Banca Monte dei Paschi di Siena S.p.A. provides financial services to large corporations, governments, and institutional clients.
Why we expect these perspectives ?
The 3.2% growth in Large Corporate & Investment Banking at Banca Monte dei Paschi di Siena S.p.A. is driven by increased demand for debt capital markets, strategic M&A advisory services, and growth in transaction banking. Additionally, the bank's focus on digital transformation, cost savings initiatives, and expansion into new markets have contributed to this growth.
Segment n°4 -> Wealth Management
Expected Growth : 2.2 %
What the company do ?
Wealth Management from Banca Monte dei Paschi di Siena S.p.A. offers personalized investment solutions and financial planning to high net worth individuals and families.
Why we expect these perspectives ?
The 2.2% growth in Wealth Management at Banca Monte dei Paschi di Siena S.p.A. is driven by increasing demand for investment products, expansion of private banking services, and strategic partnerships. Additionally, the bank's digital transformation efforts and enhanced customer experience have contributed to the growth.
Segment n°5 -> Corporate Center
Expected Growth : 2.0 %
What the company do ?
The Corporate Center of Banca Monte dei Paschi di Siena S.p.A. is the headquarters that oversees and coordinates the bank's overall strategy and operations.
Why we expect these perspectives ?
The 2.0% growth of Banca Monte dei Paschi di Siena S.p.A.'s Corporate Center is driven by increased investment in digital transformation, cost savings initiatives, and a focus on core business activities. Additionally, the bank's efforts to strengthen its capital position and improve risk management have contributed to its growth.
Banca Monte Dei Paschi Di Siena S.P.A. Products
| Product Range | What is it ? |
|---|---|
| Retail Banking | Personal banking services for individuals, including current accounts, credit cards, personal loans, and mortgages. |
| Corporate Banking | Financial services for businesses, including cash management, trade finance, and corporate lending. |
| Private Banking | Wealth management services for high net worth individuals, including investment advice and portfolio management. |
| Asset Management | Investment products and services, including mutual funds, pension funds, and institutional mandates. |
| Insurance | Life and non-life insurance products, including life insurance, accident insurance, and property insurance. |
| Leasing and Factoring | Financial services for businesses, including leasing and factoring solutions. |
| Treasury and Markets | Financial markets services, including foreign exchange, commodities, and interest rate derivatives. |
Banca Monte dei Paschi di Siena S.p.A.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Banca Monte dei Paschi di Siena S.p.A. is medium due to the presence of alternative financial institutions and digital payment systems.
Bargaining Power Of Customers
The bargaining power of customers is high due to the high level of competition in the banking industry, giving customers the power to choose from a range of financial institutions.
Bargaining Power Of Suppliers
The bargaining power of suppliers is low due to the bank's large size and scale, giving it significant negotiating power over its suppliers.
Threat Of New Entrants
The threat of new entrants is low due to the high barriers to entry in the banking industry, including regulatory requirements and capital requirements.
Intensity Of Rivalry
The intensity of rivalry is high due to the high level of competition in the banking industry, with many established players competing for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 63.11% |
| Debt Cost | 9.19% |
| Equity Weight | 36.89% |
| Equity Cost | 9.19% |
| WACC | 9.19% |
| Leverage | 171.09% |
Banca Monte dei Paschi di Siena S.p.A. : Quality Control
Banca Monte dei Paschi di Siena S.p.A. passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| AIBG.L | AIB Group plc provides banking and financial products and services to retail, business, and corporate customers. It operates through Retail Banking, Corporate Institutional & Business Banking, AIB UK, and Group … |
| OBS.VI | Oberbank AG provides various banking products and services. The company operates through Corporate and Business Banking, Personal Banking, and Financial Markets segments. It provides savings, youth, student, and business accounts; … |
| BMED.MI | Banca Mediolanum S.p.A. provides various banking products and services in Italy. The company offers current accounts and mortgages and loans. It also provides debit, credit, and prepaid cards; savings and … |
| BCVN.SW | Banque Cantonale Vaudoise provides a range of financial services in Vaud Canton and rest of Switzerland, the European Union, North America, and internationally. The company offers current, savings, and retirement … |
| BPE.MI | BPER Banca SpA provides banking products and services for individuals, and businesses and professionals in Italy and internationally. The company operates through Retail, Private, Corporate, Large Corporate, Finance, Corporate Center, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Banca Mediolanum
A-Score
1-Year Total Return ->
🥈
BPER Banca
A-Score
1-Year Total Return ->
🥉
Monte dei Paschi
A-Score
1-Year Total Return ->
4
AIB
A-Score
1-Year Total Return ->
5
Oberbank
A-Score
1-Year Total Return ->
6
