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

€11.25As of Sun 8 Nov 2026, 12:00 UTC

BIT:BMPSFinancials

Country Italy

PE (Fwd) •••

TSR 10Y CAGR (29.83%)

Div yield 7.64%

ROTE 12.19%

Banks (Regional)

Beta (5Y) 0.85

PE TTM 11.39

TSR TTM 63.39%

Mkt cap €34.19B

NIM —

SE Grade™

—

Value

Quality

Moat

Consensus

Reference

€12

9.21%

(30.14%)

Hold 6|10|10|7|5

TTM

FYE 31 Dec EUR

FY2016

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026E

Trend

10Y

Peers

5.750

Revenue€B

10.17

10.38

10.50

10.53

10.73

10.72

11.06

11.36

11.41

11.42

6.160

1.25%

1.19%

10.76

Revenue growth%

22.14

23.36

24.67

24.82

22.10

22.91

23.69

23.28

21.63

23.81

13.79

23.28

23.32

26.73

NIM%

0.40

3.00

4.16

4.34

5.54

6.08

8.27

7.28

6.27

22.26

6.27

4.94

29.09

Effic. R.%

25.77

24.67

25.69

26.82

29.74

32.72

32.15

31.87

33.85

31.03

26.62

32.15

30.38

17.28

Net margin%

11.00

11.56

12.15

9.80

10.90

10.85

10.11

7.43

7.45

8.01

5.84

8.01

10.48

23.54

P/E ratio (avg)x

31.42

31.89

36.09

35.41

39.78

36.15

34.16

34.65

34.66

34.71

7.900

34.66

34.69

34.07

P/TBVx

12.03

11.72

12.66

12.92

13.11

13.05

13.94

13.90

12.79

11.11

9.754

13.05

12.85

19.03

P/Bx

20.27

18.03

16.70

16.87

17.19

16.86

17.42

18.20

17.85

19.44

28.21

17.85

17.64

10.05

NII€B

8.147

8.328

8.297

8.345

8.569

8.670

8.754

9.142

9.229

8.748

1.50%

1.17%

—

11.22

NII grth%

38.65

39.08

40.78

39.73

39.24

40.30

39.65

39.73

40.74

43.01

9.66

40.30

39.73

8.38

ROTE%

1.65

0.40

1.11

3.87

3.23

0.67

0.40

1.09

3.81

1.88

19.17

1.09

1.38

11.16

Return on equity%

2.06

2.15

0.42

0.69

0.40

3.34

3.96

2.22

3.53

19.87

3.34

2.11

6.64

Return on assets%

20.91

22.97

19.99

18.88

16.00

16.52

17.86

19.96

18.84

17.65

18.22

17.86

18.86

0.32

EPS€

1.69

1.64

1.53

1.56

1.71

1.91

1.93

1.94

2.04

2.28

0.35

5.97%

3.33%

—

15.22

EPS growth%

9.61

9.40

7.72

4.77

5.96

5.55

4.97

2.00

0.40

1.57

29.04

2.00

5.26

1.22

Bookvalue per sh€

0.42

0.44

0.45

0.43

0.45

0.50

0.48

0.45

0.50

1.17

1.96%

1.03%

—

1.04

TBV/sh€

0.61

0.64

0.68

0.73

0.74

0.77

0.74

0.84

0.83

0.85

1.49

2.81%

4.17%

—

0.43

Dividend per sh€

1.65

1.72

1.67

1.81

1.93

1.87

1.98

2.15

2.14

2.04

1.61

1.09%

2.26%

—

18.63

Div yield (avg)%

22.32

21.68

20.73

18.60

16.28

14.20

13.41

13.62

15.62

18.35

26.99

14.20

17.32

14.07

Payout ratio%

13.95

11.42

9.37

6.59

5.77

6.20

6.37

5.40

3.51

1.51

14.58

5.40

6.28

2.970

Shares (diluted)B

3.244

3.371

3.164

3.038

3.131

3.332

3.382

3.256

3.490

3.852

3.085

4.24%

1.36%

8.38

Buyback yield%

18.93

21.89

23.49

26.10

28.37

26.19

24.45

26.26

25.41

24.11

29.29

25.41

24.93

149.51

Eq/Assets%

135.36

139.43

137.93

142.88

162.84

179.54

169.13

169.00

188.66

190.69

177.33

179.54

165.92

4.664

Assets€B

24.45

25.81

28.30

30.56

33.13

35.98

39.50

42.66

46.03

50.04

7.808

8.60%

8.31%

6.597

LT debt€B

2.389

2.673

2.984

2.878

3.326

3.429

3.340

3.444

3.891

4.198

12.37

4.77%

7.24%

Peers (US$38.39B)

Cap (US$)

BPER Banca SpA

30.24B

11.54x

Mediobanca Banca di…

23.71B

19.80x

Banco BPM S.p.A.

22.73B

10.44x

KB Financial Group Inc.

39.09B

8.379x

Capital

TTM

10Y

Tang eq%

34.93

31.85

40.39

LT debt%

141.46

8.45

9.47

Cash%

182.99

15.69

15.72

Sh yield%

27.02

40.39

41.86

Owners

Insiders/Inst%

6.51

84.67

Short interest%

1.88

SBC / revenue%

1.74

Record

10Y

Profitable years

10/10

Revenue growth years

10/10

EPS growth years

10/10

Dividend streakyrs

ROE range%

0–4

$1 testx

—

Incr. ROIC%

—

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.

Growth vs revenue

Latest

Trend

10Y CAGR

Rel growth

Total assets

€50.04B

8.31%

1.97×

Revenue

€11.42B

1.19%

1.00×

Non-interest expense

€5.688B

1.27%

1.01×