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Market Price

1.47 

-0.02 -1.5%

as of Nov 14 '18

52 Week Range:

1.33 4.31


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Banca Monte dei Paschi di Siena S.p.A. provides retail and commercial banking services. The company offers funding and lending services, insurance products, and financial and non-financial services to retail customers; electronic payment services; services and products in the areas of wealth management, financial planning, and consultancy on financial services, such as tax planning, real estate, art, and legal advisory; fiduciary and trust services; and digital services. It also provides leasing and factoring services for businesses, artisans, and professionals; and mid-and long-term credit facilities, corporate finance, capital markets, and structured finance services. In addition, the company offers investment banking services, including trading and markets services; foreign banking products and services in support of market expansion and investments of Italian companies internationally; and custody and deposit services for dairy products on behalf of third parties. Further, it develops and manages ICT and telecommunication systems. The company serves retail, private, SME, and institutional customers, as well as corporate customers and large groups. It operates a network of 2,032 branches, 251 specialized centers, and 2,868 ATM machines in Italy; 4 operational branches in London, New York, Hong Kong, and Shanghai; 10 representative offices in the areas of the European Union, Central-Eastern Europe, North Africa, India, and China; and 2 banks under foreign law with 9 units in Belgium and 18 branches in France. Banca Monte dei Paschi di Siena S.p.A. was founded in 1472 and is headquartered in Siena, Italy.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '05 Dec '06 Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15
Equity (BVPS) 287.50
309.75
379.00
283.56
313.40
326.65
106.60
67.93
66.08
23.32
growth rate 7.7% 22.4% -25.2% 10.5% 4.2% -67.4% -36.3% -2.7% -64.7%
Earnings BIT 1,100.00
1,290.00
1,270.00
-92.26
43.43
1,330.00
-4,730.00
-3,670.00
-2,060.00
growth rate 17.3% -1.6% -100.0% 100.0% 2,962.4% -100.0% 0.0% 0.0%
Avg.PE 16.45
17.01
16.58
9.99
1,250.00
7.96
-1.00
-0.90
1.20
1.20
1.20
growth rate 3.4% -2.5% -39.8% 12,412.5% -99.4% -100.0% 0.0% 100.0% 0.0% 0.0%
ROA 0.53
0.58
0.90
0.49
0.10
0.42
-1.93
-1.38
-0.69
-2.79
growth rate 9.4% 55.2% -45.6% -79.6% 320.0% -100.0% 0.0% 0.0% 0.0%
ROE 3.70
6.90
18.92
8.04
1.37
5.72
-33.39
-36.83
-22.83
-88.16
growth rate 86.5% 174.2% -57.5% -83.0% 317.5% -100.0% 0.0% 0.0% 0.0%
ROIC 11.50
21.30
58.27
8.04
16.87
18.34
-5.41
3.01
18.49
-52.81
growth rate 85.2% 173.6% -86.2% 109.8% 8.7% -100.0% 100.0% 514.3% -100.0%
Leverage 7.97
22.34
20.01
14.39
13.09
14.12
22.36
33.93
32.35
30.75
growth rate 180.3% -10.4% -28.1% -9.0% 7.9% 58.4% 51.7% -4.7% -5.0%
Balance Sheet Dec '05 Dec '06 Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15
Acct.Receivable 2,143.00
556.00
937.00
1,347.00
2,359.00
2,898.00
growth rate -74.1% 68.5% 43.8% 75.1% 22.9%
Acct.Payable 91,480.00
67,091.00
99,058.00
70,025.00
88,086.00
71,865.00
growth rate -26.7% 47.7% -29.3% 25.8% -18.4%
Cur.Assets 38,505.00
44,552.00
32,070.00
29,147.00
29,011.00
31,449.00
growth rate 15.7% -28.0% -9.1% -0.5% 8.4%
Total Assets 162,076.39
213,796.00
224,815.00
239,162.00
240,794.00
218,886.00
198,461.00
179,918.00
169,012.00
growth rate 31.9% 5.2% 6.4% 0.7% -9.1% -9.3% -9.3% -6.1%
Cash 2,411.00
878.00
2,433.00
877.00
1,007.00
1,189.00
growth rate -63.6% 177.1% -64.0% 14.8% 18.1%
Inventory 35.00
35.00
46.00
44.00
growth rate 0.0% 31.4% -4.4%
Cur.Liabilities 172,147.00
98,183.00
126,264.00
89,902.00
128,093.00
105,595.00
growth rate -43.0% 28.6% -28.8% 42.5% -17.6%
Liabilities 154,077.53
198,692.90
208,360.80
221,736.00
230,613.00
212,563.00
192,280.00
174,125.00
159,389.00
growth rate 29.0% 4.9% 6.4% 4.0% -7.8% -9.5% -9.4% -8.5%
LT Debt 0.00
0.00
0.00
0.00
0.00
45,500.00
126,639.00
80,011.00
97,090.00
41,795.00
49,418.00
growth rate 178.3% -36.8% 21.4% -57.0% 18.2%
Equity 6,613.66
7,124.77
7,998.86
15,103.10
16,735.40
17,426.10
10,180.90
6,322.70
6,163.50
growth rate 7.7% 12.3% 88.8% 10.8% 4.1% -41.6% -37.9% -2.5%
Common Shares 31.00
25.00
25.00
51.00
64.00
72.00
65.00
92.00
93.00
135.00
growth rate -19.4% 0.0% 104.0% 25.5% 12.5% -9.7% 41.5% 1.1% 45.2%
Cash Flow Statement Dec '05 Dec '06 Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15
Capital Expenditures 111.43
357.02
209.80
-12.80
73.50
49.00
71.00
84.00
91.00
74.00
84.00
growth rate 220.4% -41.2% -100.0% 100.0% -33.3% 44.9% 18.3% 8.3% -18.7% 13.5%
Cash Dividends 263.74
422.82
527.87
640.40
108.40
142.40
421.80
62.60
0.10
growth rate 60.3% 24.9% 21.3% -83.1% 31.4% 196.2% -85.2% -99.8%
Cash From OA 742.17
730.88
15.43
9,772.30
-2,055.18
-144.25
10,454.00
2,227.00
9,214.00
growth rate -1.5% -97.9% 63,233.1% -100.0% 0.0% 100.0% -78.7% 60.5%
FCF per Share 159.47
520.34
18.17
-113.53
-32.83
11.89
28.46
12.46
-12.28
-38.28
growth rate 226.3% -96.5% -100.0% 0.0% 100.0% 139.4% -56.2% -100.0% 0.0%
FCF 4,971.00
13,119.00
456.00
-5,834.00
-2,089.00
859.00
1,853.00
1,142.00
-1,143.00
-5,153.00
9,130.00
growth rate 163.9% -96.5% -100.0% 0.0% 100.0% 115.7% -38.4% -100.0% 0.0% 100.0%
Income Statement Dec '05 Dec '06 Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15
Sales 4,530.00
4,910.00
5,110.75
3,780.70
3,916.00
4,454.00
3,766.00
1,821.00
904.00
3,322.00
growth rate 8.4% 4.1% -26.0% 3.6% 13.7% -15.5% -51.7% -50.4% 91.7%
Op.Income -114.90
-94.90
985.00
-4,486.00
-3,148.00
-1,381.00
-5,403.00
390.00
growth rate 0.0% 100.0% -100.0% 0.0% 0.0% 0.0% 100.0%
IBT 1,269.58
-92.26
43.43
1,327.18
-4,521.84
-3,667.45
growth rate -100.0% 100.0% 2,955.9% -100.0% 0.0%
Net Income 702.35
931.10
224.60
985.00
-4,486.00
-3,148.00
-1,381.00
-5,403.00
390.00
growth rate 32.6% -75.9% 338.6% -100.0% 0.0% 0.0% 0.0% 100.0%
EPS 25.35
29.57
47.11
17.96
3.49
11.30
-67.61
-34.49
-15.50
-39.68
growth rate 16.7% 59.3% -61.9% -80.6% 223.8% -100.0% 0.0% 0.0% 0.0%
Gross Profit 4,405.00
3,766.00
1,821.00
904.00
3,295.00
growth rate -14.5% -51.7% -50.4% 90.9%

Quarterly Statements

Item Name Sep '15 Dec '15 Mar '16 Jun '16 Sep '16
Balance Sheet
Acct.Receivable 2,898.00
1,351.00
8,674.00
growth rate -31.7% 542.0%
Acct.Payable 96,887.00
71,865.00
90,443.00
102,584.00
79,065.00
growth rate -25.8% 25.9% 13.4% -22.9%
Cur.Assets 40,617.00
31,449.00
46,490.00
22,973.00
30,375.00
growth rate -22.6% 47.8% -50.6% 32.2%
Total Assets 170,202.00
169,012.00
173,646.00
164,386.00
160,129.00
growth rate -0.7% 2.7% -5.3% -2.6%
Cash 812.00
1,189.00
913.00
795.00
941.00
growth rate 46.4% -23.2% -12.9% 18.4%
Inventory 44.00
growth rate
Cur.Liabilities 121,375.00
105,595.00
127,995.00
119,580.00
94,098.00
growth rate -13.0% 21.2% -6.6% -21.3%
Liabilities 160,327.00
159,389.00
163,945.00
154,431.00
151,357.00
growth rate -0.6% 2.9% -5.8% -2.0%
LT Debt 30,623.00
49,418.00
29,089.00
28,927.00
51,679.00
growth rate 61.4% -41.1% -0.6% 78.7%
Equity
growth rate
Common Shares
growth rate
Cash Flow Statement Sep '15 Dec '15 Mar '16 Jun '16 Sep '16
Capital Expenditures 16.00
growth rate
Cash Dividends
growth rate
Cash From OA
growth rate
FCF
growth rate
Income Statement Sep '15 Dec '15 Mar '16 Jun '16 Sep '16
Sales 525.00
1,227.00
844.00
725.00
growth rate 133.7% -31.2% -14.1%
Op.Income -109.00
304.00
94.00
209.00
-1,150.00
growth rate 100.0% -69.1% 122.3% -100.0%
IBT
growth rate
Net Income -109.00
304.00
94.00
209.00
-1,150.00
growth rate 100.0% -69.1% 122.3% -100.0%
EPS
growth rate
Gross Profit 525.00
1,200.00
844.00
725.00
growth rate 128.6% -29.7% -14.1%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (5.99)

YOY Growth Grade:

F (7.98)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 53.75 52.50 6.27
EPS / Growth -39.5% 0.03 0.4%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 0.4% 0.8% 0.8%
Future PE 0.84 3.95 3.95
Future EPS 0.03 0.03 0.03
Value Price
MOS %
0.01
-99.6%
0.03
-98.0%
0.03
-98.0%
MOS Price 0.00 0.01 0.01
IRT 47.36 43.63 43.63

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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