Banca Monte dei Paschi di SienaBMDPF 51 Return-on-Tangible-Equity is 9.28% as of Mar. 2026, which is 5359% above its 10-year median of 0.17. GuruFocus rates BMDPF with a GF Score™ of 51/100 and a GF Value™ of $5.40 (Significantly Overvalued). The stock has 10 warning signs investors should review. Among 1,523 Banks companies, Banca Monte dei Paschi di Siena ranks better than 81.42% on this metric.
The historical rank and industry rank for Banca Monte dei Paschi di Siena's Return-on-Tangible-Equity or its related term are showing as below:
BMDPF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -43.17 Med: 0.17 Max: 23.45
Current: 16.73
During the past 13 years, Banca Monte dei Paschi di Siena's highest Return-on-Tangible-Equity was 23.45%. The lowest was -43.17%. And the median was 0.17%.
BMDPF's Return-on-Tangible-Equity is ranked better than 81.42% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs BMDPF: 16.73
Banca Monte dei Paschi di Siena (OTCPK:BMDPF) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Banca Monte dei Paschi di Siena Return-on-Tangible-Equity Related Terms
Banca Monte dei Paschi di Siena Return-on-Tangible-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 Return-on-Tangible-Equity Chart
Banca Monte dei Paschi di Siena Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Banca Monte dei Paschi di Siena's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Banca Monte dei Paschi di Siena's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Banca Monte dei Paschi di Siena's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 9.28% mean?
Banca Monte dei Paschi di Siena (BMDPF) has a Return-on-Tangible-Equity of 9.28% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Banca Monte dei Paschi di Siena and its competitors. This is 5359% above median its historical median of 0.17. According to the industry distribution chart, Banca Monte dei Paschi di Siena ranks #283 out of 1523 companies in the Banks industry, placing it in the top 18.6%.
Is Banca Monte dei Paschi di Siena's Return-on-Tangible-Equity too high?
Banca Monte dei Paschi di Siena's current Return-on-Tangible-Equity of 9.28% is 5359% above median its 10-year median of 0.17. The Banks industry median Return-on-Tangible-Equity is 11.20. Banca Monte dei Paschi di Siena's value of 9.28% is 17.1% below this industry median. Based on the distribution chart, Banca Monte dei Paschi di Siena ranks #283 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banca Monte dei Paschi di Siena has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banca Monte dei Paschi di Siena's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Banca Monte dei Paschi di Siena ranks #283 out of 1523 companies for Return-on-Tangible-Equity. This places Banca Monte dei Paschi di Siena in the top 19% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. Banca Monte dei Paschi di Siena's value of 9.28% is 17.1% below this benchmark. While the company's 10-year median is 0.17 vs. the industry median of 11.20, Banca Monte dei Paschi di Siena has consistently been below 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-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 Return-on-Tangible-Equity of 9.28% is 17.1% below 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Banca Monte dei Paschi di Siena and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — 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 Return-on-Tangible-Equity is 9.28%, which is 5359% above median its own 10-year median of 0.17. 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 $5.40, compared to a current price of $11.71 — trading 116.9% above its estimated fair value. The current Return-on-Tangible-Equity is 9.28%, which is 5359% above median its 10-year median of 0.17 and 17.1% below the Banks industry median of 11.20. Banca Monte dei Paschi di Siena's overall GF Score™ is 51/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Banca Monte dei Paschi di Siena (BMDPF), the current Return-on-Tangible-Equity is 9.28% 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 $11.71 is trading 116.9% above its estimated GF Value™ of $5.40.
GuruFocus considers Banca Monte dei Paschi di Siena to be Significantly Overvalued.
Key valuation signals for BMDPF:
Return-on-Tangible-Equity: 9.28% (5359% above median its 10-year median of 0.17)
GF Value™: $5.40 vs. price of $11.71 (116.9% above fair value)
Industry Position: 17.1% below the Banks median (#283 of 1523)
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.
51GF Score
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Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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