BMPSY (Banca Monte dei Paschi di Siena) LT-Debt-to-Total-Asset: 0.19 (As of Mar. 2026)


BMPSY Banca Monte dei Paschi di Siena BMPSY
34 GF Score
Price $12.33
GF Value $5.21
Valuation Significantly Overvalued
! 10 Warning Signs
View Full Analysis

What is Banca Monte dei Paschi di Siena LT-Debt-to-Total-Asset?

Banca Monte dei Paschi di Siena BMPSY +0.49% 34 LT-Debt-to-Total-Asset is 0.19 as of Mar. 2026. GuruFocus rates BMPSY with a GF Score™ of 34/100 and a GF Value™ of $5.21 (Significantly Overvalued). The stock has 10 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Banca Monte dei Paschi di Siena's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.19.

Banca Monte dei Paschi di Siena's long-term debt to total assets ratio increased from Mar. 2025 (0.08) to Mar. 2026 (0.19). It may suggest that Banca Monte dei Paschi di Siena is progressively becoming more dependent on debt to grow their business.

Banca Monte dei Paschi di Siena  (OTCPK:BMPSY) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Banca Monte dei Paschi di Siena LT-Debt-to-Total-Asset Related Terms

Banca Monte dei Paschi di Siena LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Banca Monte dei Paschi di Siena's LT-Debt-to-Total-Asset can be seen below:

* 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 LT-Debt-to-Total-Asset Chart

Banca Monte dei Paschi di Siena Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.09 0.09 0.11 0.10 0.21

Banca Monte dei Paschi di Siena Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.08 0.10 0.19 0.21 0.19
BMPSY
34GF Score
Banca Monte dei Paschi di Siena BMPSY
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banca Monte dei Paschi di Siena LT-Debt-to-Total-Asset Calculation

Banca Monte dei Paschi di Siena's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=60620.504/282951.418
=0.21

Banca Monte dei Paschi di Siena's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=52353.295/279129.017
=0.19

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.19 mean?
Banca Monte dei Paschi di Siena (BMPSY) has a LT-Debt-to-Total-Asset of 0.19 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Banca Monte dei Paschi di Siena and its competitors.
Is Banca Monte dei Paschi di Siena's LT-Debt-to-Total-Asset too high?
Banca Monte dei Paschi di Siena's current LT-Debt-to-Total-Asset is 0.19. Overall, Banca Monte dei Paschi di Siena has a GF Score™ of 34/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banca Monte dei Paschi di Siena's LT-Debt-to-Total-Asset compare to competitors?
Banca Monte dei Paschi di Siena's LT-Debt-to-Total-Asset of 0.19 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Banca Monte dei Paschi di Siena and its competitors. Banca Monte dei Paschi di Siena's current LT-Debt-to-Total-Asset is 0.19. 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 (BMPSY) is currently considered Significantly Overvalued. The stock's GF Value™ is $5.21, compared to a current price of $12.33 — trading 136.7% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.19. Banca Monte dei Paschi di Siena's overall GF Score™ is 34/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Banca Monte dei Paschi di Siena (BMPSY), the current LT-Debt-to-Total-Asset is 0.19 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 (BMPSY) Overvalued in 2026?

Based on GuruFocus' analysis, Banca Monte dei Paschi di Siena stock appears to be overvalued. The current stock price of $12.33 is trading 136.7% above its estimated GF Value™ of $5.21. GuruFocus considers Banca Monte dei Paschi di Siena to be Significantly Overvalued.

Key valuation signals for BMPSY:

  • LT-Debt-to-Total-Asset: 0.19
  • GF Value™: $5.21 vs. price of $12.33 (136.7% above fair value)
  • GF Score™: 34/100 with 10 warning signs

No single metric tells the full story. See the BMPSY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Banca Monte dei Paschi di Siena Business Description

Address Piazza Salimbeni, 3, Siena, ITA, 53100
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.
34GF Score

Get the complete analysis for BMPSY

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$12.33
Price
$5.21
GF Value