Banca Monte dei Paschi di Siena S.p.A. (BMDPF)
Financial Services · PNK
Fundamentals
Valuation and ratings
Banca Monte dei Paschi di Siena S.p.A. trades at USD12.56, close to the USD13.35 our discounted cash flow model puts on the business. On this measure the market and the model broadly agree, so the interesting question is which of them is wrong.
Our moat model scores it 51 out of 100, which is a moat, but not a deep one. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 8.2 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
BMDPF dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2025 | USD0.960 | 1 |
| 2024 | USD0.272 | 1 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
BMDPF earnings and analyst estimates
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About Banca Monte dei Paschi di Siena S.p.A.
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.
BMDPF passes 6 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Common questions
Is Banca Monte dei Paschi di Siena S.p.A. (BMDPF) undervalued?
Against our discounted cash flow estimate of USD13.35, BMDPF at USD12.56 is 6% below fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
What is BMDPF's P/E ratio?
BMDPF trades at 8.2 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does Banca Monte dei Paschi di Siena S.p.A. (BMDPF) pay a dividend?
Yes. Banca Monte dei Paschi di Siena S.p.A. yields 7.50% at the current share price. It has paid a dividend in each of the last 2 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
When does BMDPF report earnings next?
Banca Monte dei Paschi di Siena S.p.A. is scheduled to report on 7 Aug 2026. Companies move earnings dates, so read it as scheduled rather than certain.
The full research page for BMDPF, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.