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Banca Monte dei Paschi di SienaBMDPF 45 Debt-to-Equity is 1.59 as of Mar. 2026, which is at its 10-year median of 1.59. GuruFocus rates BMDPF with a GF Score™ of 45/100 and a GF Value™ of $5.44 (Significantly Overvalued). The stock has 10 warning signs investors should review. Among 1,422 Banks companies, Banca Monte dei Paschi di Siena ranks worse than 79.54% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Banca Monte dei Paschi di Siena's Debt-to-Equity or its related term are showing as below:
BMDPF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.8 Med: 1.59 Max: 8.09
Current: 1.59
During the past 13 years, the highest Debt-to-Equity Ratio of Banca Monte dei Paschi di Siena was 8.09. The lowest was 0.80. And the median was 1.59.
BMDPF's Debt-to-Equity is ranked worse than 79.54% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs BMDPF: 1.59
Banca Monte dei Paschi di Siena (OTCPK:BMDPF) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Banca Monte dei Paschi di Siena Debt-to-Equity Related Terms
Banca Monte dei Paschi di Siena Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Banca Monte dei Paschi di Siena Debt-to-Equity Chart
Banca Monte dei Paschi di Siena Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Banca Monte dei Paschi di Siena's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Banca Monte dei Paschi di Siena Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Banca Monte dei Paschi di Siena's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Banca Monte dei Paschi di Siena's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Banca Monte dei Paschi di Siena (BMDPF) has a Debt-to-Equity of 1.59 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Banca Monte dei Paschi di Siena and its competitors. This is near median its historical median of 1.59. Over the past decade, Banca Monte dei Paschi di Siena's Debt-to-Equity has ranged from 0.80 to 8.09. According to the industry distribution chart, Banca Monte dei Paschi di Siena ranks #1131 out of 1422 companies in the Banks industry, placing it in the top 79.5%.
Is Banca Monte dei Paschi di Siena's Debt-to-Equity too high?
Banca Monte dei Paschi di Siena's current Debt-to-Equity of 1.59 is near median its 10-year median of 1.59. Over the past 10 years, this metric has ranged from a low of 0.80 to a high of 8.09. The Banks industry median Debt-to-Equity is 0.57. Banca Monte dei Paschi di Siena's value of 1.59 is 178.9% above this industry median. Based on the distribution chart, Banca Monte dei Paschi di Siena ranks #1131 out of 1422 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banca Monte dei Paschi di Siena has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banca Monte dei Paschi di Siena's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Banca Monte dei Paschi di Siena ranks #1131 out of 1422 companies for Debt-to-Equity. This places Banca Monte dei Paschi di Siena in the lower half of its industry. The industry median Debt-to-Equity is 0.57. Banca Monte dei Paschi di Siena's value of 1.59 is 178.9% above this benchmark. Historically, Banca Monte dei Paschi di Siena's own Debt-to-Equity has ranged from 0.80 to 8.09 over the past decade. While the company's 10-year median is 1.59 vs. the industry median of 0.57, Banca Monte dei Paschi di Siena has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banca Monte dei Paschi di Siena's current Debt-to-Equity of 1.59 is 178.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Banca Monte dei Paschi di Siena and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banca Monte dei Paschi di Siena's current Debt-to-Equity is 1.59, which is near median its own 10-year median of 1.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banca Monte dei Paschi di Siena stock overvalued right now?
Based on GuruFocus' analysis, Banca Monte dei Paschi di Siena (BMDPF) is currently considered Significantly Overvalued. The stock's GF Value™ is $5.44, compared to a current price of $12.83 — trading 135.8% above its estimated fair value. The current Debt-to-Equity is 1.59, which is near median its 10-year median of 1.59 and 178.9% above the Banks industry median of 0.57. Banca Monte dei Paschi di Siena's overall GF Score™ is 45/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Banca Monte dei Paschi di Siena (BMDPF), the current Debt-to-Equity is 1.59 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Banca Monte dei Paschi di Siena (BMDPF) Overvalued in 2026?
Based on GuruFocus' analysis, Banca Monte dei Paschi di Siena stock appears to be overvalued.
The current stock price of $12.83 is trading 135.8% above its estimated GF Value™ of $5.44.
GuruFocus considers Banca Monte dei Paschi di Siena to be Significantly Overvalued.
Key valuation signals for BMDPF:
Debt-to-Equity: 1.59 (near median its 10-year median of 1.59)
GF Value™: $5.44 vs. price of $12.83 (135.8% above fair value)
Industry Position: 178.9% above the Banks median (#1131 of 1422)
No single metric tells the full story. See the BMDPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banca Monte dei Paschi di Siena Business Description
Banca Monte dei Paschi di Siena is a banking group operating in Italy, mainly providing retail and commercial banking services. The group has five segments: Retail Banking, Wealth Management, Corporate Banking, Large Corporate & Investment Banking, and Mediobanca Group. Retail Banking serves retail customers, including Banca Widiba. Wealth Management focuses on private and family office clients. Corporate Banking serves SME and corporate clients. Large Corporate & Investment Banking provides corporate finance and investment banking services. The Mediobanca Group segment includes wealth management, consumer finance, and corporate and investment banking activities. It generates the majority of its revenue from the Retail Banking segment.
45GF Score
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