BMDPF (Banca Monte dei Paschi di Siena) Scaled Net Operating Assets: 0.26 (As of Mar. 2026)


BMDPF Banca Monte dei Paschi di Siena BMDPF
47 GF Score
Price $12.04
GF Value $5.11
Valuation Significantly Overvalued
! 10 Warning Signs
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What is Banca Monte dei Paschi di Siena Scaled Net Operating Assets?

Banca Monte dei Paschi di Siena BMDPF 47 Scaled Net Operating Assets is 0.26 as of Mar. 2026. GuruFocus rates BMDPF with a GF Score™ of 47/100 and a GF Value™ of $5.11 (Significantly Overvalued). The stock has 10 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Banca Monte dei Paschi di Siena's operating assets for the quarter that ended in Mar. 2026 was $266,138 Mil. Banca Monte dei Paschi di Siena's operating liabilities for the quarter that ended in Mar. 2026 was $191,282 Mil. Banca Monte dei Paschi di Siena's Total Assets for the quarter that ended in Dec. 2025 was $282,951 Mil. Therefore, Banca Monte dei Paschi di Siena's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.26.

BMDPF
47GF Score
Banca Monte dei Paschi di Siena BMDPF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Banca Monte dei Paschi di Siena Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Banca Monte dei Paschi di Siena's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(263771.681-186956.586)/128378.796
=0.60

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=282951.418 - 19179.737
=263771.681

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=247577.09 - 60620.504 - 0
=186956.586

Banca Monte dei Paschi di Siena's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(266138.381-191281.85)/282951.418
=0.26

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=279129.017 - 12990.636
=266138.381

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=243635.145 - 52353.295 - 0
=191281.85

* 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.

What does a Scaled Net Operating Assets of 0.26 mean?
Banca Monte dei Paschi di Siena (BMDPF) has a Scaled Net Operating Assets of 0.26 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Banca Monte dei Paschi di Siena and its competitors.
Is Banca Monte dei Paschi di Siena's Scaled Net Operating Assets too high?
Banca Monte dei Paschi di Siena's current Scaled Net Operating Assets is 0.26. Overall, Banca Monte dei Paschi di Siena has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banca Monte dei Paschi di Siena's Scaled Net Operating Assets compare to competitors?
Banca Monte dei Paschi di Siena's Scaled Net Operating Assets of 0.26 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Banca Monte dei Paschi di Siena and its competitors. Banca Monte dei Paschi di Siena's current Scaled Net Operating Assets is 0.26. 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 $5.11, compared to a current price of $12.04 — trading 135.6% above its estimated fair value. The current Scaled Net Operating Assets is 0.26. Banca Monte dei Paschi di Siena's overall GF Score™ is 47/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Banca Monte dei Paschi di Siena (BMDPF), the current Scaled Net Operating Assets is 0.26 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 $12.04 is trading 135.6% above its estimated GF Value™ of $5.11. GuruFocus considers Banca Monte dei Paschi di Siena to be Significantly Overvalued.

Key valuation signals for BMDPF:

  • Scaled Net Operating Assets: 0.26
  • GF Value™: $5.11 vs. price of $12.04 (135.6% above fair value)
  • GF Score™: 47/100 with 10 warning signs

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

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.
47GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$12.04
Price
$5.11
GF Value