ScoreComparison
Why is Banca Monte dei Paschi di Siena SpA ?
1
Weak Long Term Fundamental Strength as the company has not declared results in the last 6 months
- Poor long term growth as Net profit has grown by an annual rate of -182.31%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.98% signifying inadequate buffers against its risk based assets
2
Risky -
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of 53.41%, its profits have fallen by -4.7%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Banca Monte dei Paschi di Siena SpA for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Banca Monte dei Paschi di Siena SpA
54.94%
16.53
35.05%
Italy FTSE MIB
27.29%
1.54
16.37%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-10.74%
EBIT Growth (5y)
-189.04%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
55.95%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
1.19
EV to EBIT
-21.82
EV to EBITDA
-23.01
EV to Capital Employed
1.06
EV to Sales
43.69
PEG Ratio
NA
Dividend Yield
37.89%
ROCE (Latest)
-4.85%
ROE (Latest)
-12.01%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CASH FLOW(Y)
Highest at EUR 2,542.99 MM
NII(Q)
Highest at EUR 1,488.87 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 147.08%
NET SALES(Q)
Highest at EUR 2,683.71 MM
NET PROFIT(Q)
Highest at EUR 1,845.39 MM
-5What is not working for the Company
OPERATING PROFIT(Q)
Lowest at EUR 542.67 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 20.22 %
PRE-TAX PROFIT(Q)
Lowest at EUR 557.59 MM
Here's what is working for Banca Monte dei Paschi di Siena SpA
Net Profit
At EUR 1,845.39 MM has Grown at 128.87%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (EUR MM)
NII
Highest at EUR 1,488.87 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (EUR MM)
Operating Cash Flow
Highest at EUR 2,542.99 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (EUR MM)
Net Sales
Highest at EUR 2,683.71 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (EUR MM)
Net Profit
Highest at EUR 1,845.39 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (EUR MM)
Credit Deposit Ratio
Highest at 147.08%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Depreciation
Highest at EUR 108.22 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (EUR MM)
Depreciation
At EUR 108.22 MM has Grown at 37.68%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (EUR MM)
Here's what is not working for Banca Monte dei Paschi di Siena SpA
Operating Profit
Lowest at EUR 542.67 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (EUR MM)
Operating Profit Margin
Lowest at 20.22 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at EUR 557.59 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (EUR MM)
Capital Adequacy Ratio
Lowest at 16.36%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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