BMDPF'
s ROE % Range Over the Past 10 Years
Min: -41.56 Med: 0.17 Max: 23
Current: 15.04
During the past 13 years, Banca Monte dei Paschi di Siena's highest ROE % was 23.00%. The lowest was -41.56%. And the median was 0.17%.
BMDPF's ROE % is ranked better than 80.71% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs BMDPF: 15.04
Banca Monte dei Paschi di Siena (OTCPK:BMDPF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Banca Monte dei Paschi di Siena ROE % Related Terms
Banca Monte dei Paschi di Siena ROE % 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 ROE % Competitor Comparison
For the Banks - Regional subindustry, Banca Monte dei Paschi di Siena's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Banca Monte dei Paschi di Siena's ROE % distribution charts can be found below:
* The bar in red indicates where Banca Monte dei Paschi di Siena's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Banca Monte dei Paschi di Siena (BMDPF) has a ROE % of 8.24% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Banca Monte dei Paschi di Siena and its competitors. This is 4747% above median its historical median of 0.17. According to the industry distribution chart, Banca Monte dei Paschi di Siena ranks #294 out of 1524 companies in the Banks industry, placing it in the top 19.3%.
Is Banca Monte dei Paschi di Siena's ROE % too high?
Banca Monte dei Paschi di Siena's current ROE % of 8.24% is 4747% above median its 10-year median of 0.17. The Banks industry median ROE % is 10.22. Banca Monte dei Paschi di Siena's value of 8.24% is 19.4% below this industry median. Based on the distribution chart, Banca Monte dei Paschi di Siena ranks #294 out of 1524 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 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banca Monte dei Paschi di Siena's ROE % compare to competitors?
According to the Banks industry distribution chart, Banca Monte dei Paschi di Siena ranks #294 out of 1524 companies for ROE %. This places Banca Monte dei Paschi di Siena in the top 19% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Banca Monte dei Paschi di Siena's value of 8.24% is 19.4% below this benchmark. While the company's 10-year median is 0.17 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % 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 ROE % of 8.24% is 19.4% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Banca Monte dei Paschi di Siena and its competitors. For the Banks industry, the median ROE % is 10.22 — 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 ROE % is 8.24%, which is 4747% 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 $5.42, compared to a current price of $12.22 — trading 125.4% above its estimated fair value. The current ROE % is 8.24%, which is 4747% above median its 10-year median of 0.17 and 19.4% below the Banks industry median of 10.22. Banca Monte dei Paschi di Siena's overall GF Score™ is 43/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Banca Monte dei Paschi di Siena (BMDPF), the current ROE % is 8.24% 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 $12.22 is trading 125.4% above its estimated GF Value™ of $5.42.
GuruFocus considers Banca Monte dei Paschi di Siena to be Significantly Overvalued.
Key valuation signals for BMDPF:
ROE %: 8.24% (4747% above median its 10-year median of 0.17)
GF Value™: $5.42 vs. price of $12.22 (125.4% above fair value)
Industry Position: 19.4% below the Banks median (#294 of 1524)
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.
43GF Score
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