Overview
Banca Monte dei Paschi di Siena S.p.A., based in Italy, operates as one of the oldest and most significant banks in the country, primarily engaged in the financial services industry. Founded in 1472 in Siena, Tuscany, it provides a wide range of banking services including retail and commercial banking, treasury, and wealth management. A key aspect of its current operations includes a strategic restructuring plan aimed at stabilizing the bank’s finances, following state bailout interventions. This involves shedding non-core assets, cutting down on operating costs, and enhancing digital banking platforms to improve efficiency and customer service. These strategic measures aim to reinforce its market position in Italy's banking sector and ensure long-term profitability and stability.
Quality, Value, Momentum Scores
This card shows the Quality, Value, and Momentum scores for the company
Income Statement: Revenue, Operating Income, Net Income
- The revenue for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is 3,672.21 MM.
- The operating income for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is 1,791.72 MM.
- The net income for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is 1,683.98 MM.
| Period End (TTM) | Revenue (MM) | Operating Income (MM) | Net Income (MM) |
| 2025-06-30 | 3,672.21 | 1,791.72 | 1,683.98 |
| 2025-03-31 | 3,614.01 | 1,742.83 | 2,031.18 |
| 2024-12-31 | 3,567.61 | 1,679.72 | 1,950.78 |
| 2024-09-30 | 3,496.72 | 1,637.95 | 2,689.08 |
| 2024-06-30 | 3,385.72 | 1,544.75 | 2,591.98 |
| 2024-03-31 | 3,366.32 | 1,547.55 | 2,148.78 |
| 2023-12-31 | 3,297.60 | 1,729.40 | 2,051.80 |
| 2023-09-30 | 3,196.05 | 238.62 | 1,084.64 |
| 2023-06-30 | 2,984.05 | 79.72 | 387.54 |
| 2023-03-31 | 2,741.75 | 563.64 | 21.30 |
| 2022-12-31 | 2,646.55 | 341.25 | -204.70 |
| 2022-09-30 | 2,513.34 | 347.09 | -412.99 |
| 2022-06-30 | 2,715.14 | 430.39 | 160.51 |
| 2022-03-31 | 2,716.54 | 410.69 | 199.91 |
| 2021-12-31 | 2,769.64 | 519.89 | 309.51 |
| 2021-09-30 | 2,841.41 | 749.64 | 233.69 |
| 2021-06-30 | 2,647.01 | 166.14 | -402.91 |
| 2021-03-31 | 2,504.31 | -241.26 | -1,328.21 |
| 2020-12-31 | 2,192.91 | -597.66 | -1,686.51 |
| 2020-09-30 | 2,207.86 | -823.12 | -2,752.01 |
Income Statement: EPS
- The earnings per share basic for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is 1.34.
- The earnings per share diluted for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is 1.34.
| Period End (TTM) | Earnings Per Share Basic | Earnings Per Share Diluted |
| 2025-06-30 | 1.34 | 1.34 |
| 2025-03-31 | 1.61 | 1.61 |
| 2024-12-31 | 1.55 | 1.55 |
| 2024-09-30 | 2.14 | 2.14 |
| 2024-06-30 | 2.06 | 2.06 |
| 2024-03-31 | 1.71 | 1.71 |
| 2023-12-31 | 1.63 | 1.63 |
| 2023-09-30 | 0.94 | 0.94 |
| 2023-06-30 | 0.46 | 0.46 |
| 2023-03-31 | 0.04 | 0.04 |
| 2022-12-31 | -0.98 | -0.98 |
| 2022-09-30 | -43.56 | -43.56 |
| 2022-06-30 | 16.71 | 16.71 |
| 2022-03-31 | 20.12 | 20.12 |
| 2021-12-31 | 31.39 | 31.39 |
| 2021-09-30 | 23.37 | 23.37 |
| 2021-06-30 | -39.09 | -39.09 |
| 2021-03-31 | -125.52 | -125.52 |
| 2020-12-31 | -154.40 | -154.40 |
| 2020-09-30 | -249.63 | -249.60 |
Cash Flow: Operations, Investing, Financing
- The cash from operating activities for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is -4,137.80 MM.
- The cash from investing activities for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is 14.55 MM.
- The cash from financing activities for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is -1,081.03 MM.
| Period End (TTM) | Cash From Operating Activities (MM) | Cash From Investing Activities (MM) | Cash From Financing Activities (MM) |
| 2025-06-30 | -4,137.80 | 14.55 | -1,081.03 |
| 2025-03-31 | -3,390.30 | 38.65 | -315.03 |
| 2024-12-31 | -792.00 | 39.15 | -315.03 |
| 2024-09-30 | |||
| 2024-06-30 | 5,609.05 | -64.52 | -315.03 |
| 2024-03-31 | |||
| 2023-12-31 | 1,774.35 | 7.08 | -2.73 |
| 2023-09-30 | |||
| 2023-06-30 | 7,820.56 | 61.09 | 2,368.66 |
| 2023-03-31 | |||
| 2022-12-31 | 8,381.46 | 44.09 | 2,371.26 |
| 2022-09-30 | |||
| 2022-06-30 | -105.54 | 14.23 | -135.27 |
| 2022-03-31 | |||
| 2021-12-31 | -551.54 | -69.07 | 42.93 |
| 2021-09-30 | |||
| 2021-06-30 | -1,740.42 | 54.47 | 178.07 |
| 2021-03-31 | |||
| 2020-12-31 | -1,082.12 | -6.53 | -0.33 |
| 2020-09-30 |
Valuation Metrics : PE, PriceToBook, PriceToTBV
- The p/e for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is 4.40.
- The p/book for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is 0.74.
- The p/tbv for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is 0.74.
- P/Book
- The current closing price divided by the book value per share.
- P/TBV
- The current price divided by the tangible book value per share.
| Period End (TTM) | p/e | P/Book | P/TBV |
| 2025-06-30 | 4.40 | 0.74 | 0.74 |
| 2025-03-31 | 4.92 | 0.82 | 0.83 |
| 2024-12-31 | 3.11 | 0.74 | 0.75 |
| 2024-09-30 | 2.60 | 0.62 | 0.63 |
| 2024-06-30 | 2.67 | 0.56 | 0.56 |
| 2024-03-31 | 2.03 | 0.42 | 0.42 |
| 2023-12-31 | 8.34 | 1.00 | 1.00 |
| 2023-09-30 | |||
| 2023-06-30 | |||
| 2023-03-31 | |||
| 2022-12-31 | |||
| 2022-09-30 | |||
| 2022-06-30 | 0.40 | 0.01 | 0.01 |
| 2022-03-31 | 0.27 | 0.01 | 0.01 |
| 2021-12-31 | 0.17 | 0.01 | 0.01 |
| 2021-09-30 | 0.23 | 0.01 | 0.01 |
| 2021-06-30 | -0.13 | 0.01 | 0.01 |
| 2021-03-31 | -0.04 | 0.01 | 0.01 |
| 2020-12-31 | -0.03 | 0.01 | 0.01 |
| 2020-09-30 | -0.02 | 0.01 | 0.01 |
Valuation Metrics : EBitToEv, EBit3YrAvgToEv
- The ebit/ev for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is 0.20.
- The ebit (3y)/ev for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is 0.14.
| Period End (TTM) | EBIT/EV | EBIT (3y)/EV |
| 2025-06-30 | 0.20 | 0.14 |
| 2025-03-31 | 0.18 | 0.12 |
| 2024-12-31 | 0.30 | 0.16 |
| 2024-09-30 | 0.96 | 0.35 |
| 2024-06-30 | 0.19 | 0.06 |
| 2024-03-31 | 0.65 | 0.17 |
| 2023-12-31 | 0.12 | 0.01 |
| 2023-09-30 | -0.04 | -0.11 |
| 2023-06-30 | -0.35 | -0.23 |
| 2023-03-31 | -0.21 | -0.16 |
| 2022-12-31 | ||
| 2022-09-30 | ||
| 2022-06-30 | 0.02 | -0.04 |
| 2022-03-31 | 0.02 | -0.04 |
| 2021-12-31 | 0.02 | -0.03 |
| 2021-09-30 | 0.01 | -0.03 |
| 2021-06-30 | -0.03 | -0.03 |
| 2021-03-31 | -0.06 | -0.03 |
| 2020-12-31 | -0.08 | -0.03 |
| 2020-09-30 | -0.05 | -0.03 |
Management Effectiveness
- The roa for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is 0.02.
- The roe for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is 0.16.
- The roic for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is 0.08.
- The croic for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is -0.15.
- The ocroic for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is -0.14.
| Period End (TTM) | ROA | ROE | ROIC | CROIC | OCROIC |
| 2025-06-30 | 0.02 | 0.16 | 0.08 | -0.15 | -0.14 |
| 2025-03-31 | 0.02 | 0.20 | 0.08 | -0.04 | -0.03 |
| 2024-12-31 | 0.02 | 0.20 | 0.12 | 0.23 | 0.24 |
| 2024-09-30 | 0.02 | 0.31 | 0.11 | 0.22 | 0.24 |
| 2024-06-30 | 0.02 | 0.26 | 0.07 | 0.00 | 0.00 |
| 2024-03-31 | 0.02 | 0.26 | 0.09 | 0.45 | 0.34 |
| 2023-12-31 | 0.01 | 0.17 | 0.05 | 0.47 | 0.36 |
| 2023-09-30 | 0.00 | 0.06 | 0.02 | 0.54 | 0.42 |
| 2023-06-30 | 0.00 | 0.06 | 0.02 | 0.48 | 0.36 |
| 2023-03-31 | -0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 2022-12-31 | -0.00 | -0.07 | -0.02 | 0.00 | 0.00 |
| 2022-09-30 | 0.00 | -0.07 | -0.03 | -0.01 | -0.01 |
| 2022-06-30 | 0.00 | 0.02 | 0.01 | -0.01 | -0.01 |
| 2022-03-31 | 0.00 | 0.03 | 0.01 | -0.03 | -0.03 |
| 2021-12-31 | 0.00 | 0.05 | 0.01 | -0.03 | -0.03 |
| 2021-09-30 | 0.00 | 0.03 | 0.01 | -0.00 | -0.01 |
| 2021-06-30 | -0.00 | -0.06 | -0.02 | -0.00 | -0.01 |
| 2021-03-31 | -0.01 | -0.17 | -0.05 | -0.00 | -0.04 |
| 2020-12-31 | -0.01 | -0.20 | -0.06 | -0.00 | -0.00 |
| 2020-09-30 | -0.02 | -0.29 | -0.09 | 0.00 | 0.01 |
Gross Margins
- The gross margin for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is 0.99.
- The net margin for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is 0.57.
- The operating margin for Banca Monte dei Paschi di Siena S.p.A. as of 30 June 2025 is 0.49.
- Gross Margin
- The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.
- Net Margin
- The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.
- Operating Margin
- The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.
| Period End (TTM) | Gross Margin | Net Margin | Operating Margin |
| 2025-06-30 | 0.99 | 0.57 | 0.49 |
| 2025-03-31 | 0.99 | 0.54 | 0.43 |
| 2024-12-31 | 0.99 | 0.75 | 0.47 |
| 2024-09-30 | 0.99 | 0.74 | 0.46 |
| 2024-06-30 | 0.99 | 0.63 | 0.54 |
| 2024-03-31 | 0.99 | 0.62 | 0.52 |
| 2023-12-31 | 0.99 | 0.34 | 0.35 |
| 2023-09-30 | 0.99 | 0.12 | 0.31 |
| 2023-06-30 | 0.99 | 0.12 | 0.31 |
| 2023-03-31 | 1.00 | 0.01 | 0.21 |
| 2022-12-31 | 0.98 | -0.18 | 0.13 |
| 2022-09-30 | 0.99 | -0.18 | 0.13 |
| 2022-06-30 | 0.99 | 0.05 | 0.15 |
| 2022-03-31 | 0.99 | 0.07 | 0.15 |
| 2021-12-31 | 0.99 | 0.11 | 0.14 |
| 2021-09-30 | 0.99 | 0.08 | 0.28 |
| 2021-06-30 | 0.99 | -0.15 | 0.08 |
| 2021-03-31 | 0.99 | -0.53 | -0.08 |
| 2020-12-31 | 0.98 | -0.77 | -0.09 |
| 2020-09-30 | 0.98 | -1.25 | -0.37 |
Identifiers and Descriptors
| Central Index Key (CIK) | 1002788 |
