BANCO DESIO E DELLA BRIANZA (BDB.MI) Fundamental Analysis & Valuation

BIT:BDB • IT0001041000

Current stock price

9.5 EUR
+0.29 (+3.15%)
Last:

This BDB.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. BDB.MI Profitability Analysis

1.1 Basic Checks

  • In the past year BDB was profitable.
  • BDB had a negative operating cash flow in the past year.
  • Each year in the past 5 years BDB has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: BDB reported negative operating cash flow in multiple years.
BDB.MI Yearly Net Income VS EBIT VS OCF VS FCFBDB.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M 600M 800M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.02%, BDB is in the better half of the industry, outperforming 65.45% of the companies in the same industry.
  • With a decent Return On Equity value of 13.41%, BDB is doing good in the industry, outperforming 70.00% of the companies in the same industry.
Industry RankSector Rank
ROA 1.02%
ROE 13.41%
ROIC N/A
ROA(3y)0.88%
ROA(5y)0.68%
ROE(3y)11.68%
ROE(5y)9.47%
ROIC(3y)N/A
ROIC(5y)N/A
BDB.MI Yearly ROA, ROE, ROICBDB.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • The Profit Margin of BDB (21.60%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of BDB has grown nicely.
  • BDB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.6%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y11.47%
PM growth 5Y31.36%
GM growth 3YN/A
GM growth 5YN/A
BDB.MI Yearly Profit, Operating, Gross MarginsBDB.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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1

2. BDB.MI Health Analysis

2.1 Basic Checks

  • BDB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for BDB has been reduced compared to 1 year ago.
  • BDB has less shares outstanding than it did 5 years ago.
  • BDB has a worse debt/assets ratio than last year.
BDB.MI Yearly Shares OutstandingBDB.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M
BDB.MI Yearly Total Debt VS Total AssetsBDB.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • A Debt/Equity ratio of 3.76 is on the high side and indicates that BDB has dependencies on debt financing.
  • BDB has a worse Debt to Equity ratio (3.76) than 86.36% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.76
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.19%
BDB.MI Yearly LT Debt VS Equity VS FCFBDB.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BDB.MI Yearly Current Assets VS Current LiabilitesBDB.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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3

3. BDB.MI Growth Analysis

3.1 Past

  • BDB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.26%.
  • The Earnings Per Share has been growing by 41.67% on average over the past years. This is a very strong growth
  • The Revenue has been growing slightly by 0.04% in the past year.
  • The Revenue has been growing slightly by 6.55% on average over the past years.
EPS 1Y (TTM)0.26%
EPS 3Y17.37%
EPS 5Y41.67%
EPS Q2Q%23.39%
Revenue 1Y (TTM)0.04%
Revenue growth 3Y4.11%
Revenue growth 5Y6.55%
Sales Q2Q%4.04%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
BDB.MI Yearly Revenue VS EstimatesBDB.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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2

4. BDB.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 6.25, the valuation of BDB can be described as very cheap.
  • Based on the Price/Earnings ratio, BDB is valued cheaper than 95.45% of the companies in the same industry.
  • BDB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.87.
Industry RankSector Rank
PE 6.25
Fwd PE N/A
BDB.MI Price Earnings VS Forward Price EarningsBDB.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BDB.MI Per share dataBDB.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.15
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. BDB.MI Dividend Analysis

5.1 Amount

  • BDB has a Yearly Dividend Yield of 5.54%, which is a nice return.
  • BDB's Dividend Yield is a higher than the industry average which is at 4.50.
  • BDB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 5.54%

5.2 History

  • The dividend of BDB is nicely growing with an annual growth rate of 38.43%!
Dividend Growth(5Y)38.43%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • BDB pays out 30.14% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of BDB is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP30.14%
EPS Next 2YN/A
EPS Next 3YN/A
BDB.MI Yearly Income VS Free CF VS DividendBDB.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M 600M 800M
BDB.MI Dividend Payout.BDB.MI Dividend Payout, showing the Payout Ratio.BDB.MI Dividend Payout.PayoutRetained Earnings

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BDB.MI Fundamentals: All Metrics, Ratios and Statistics

BANCO DESIO E DELLA BRIANZA

BIT:BDB (4/17/2026, 5:29:58 PM)

9.5

+0.29 (+3.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-10
Earnings (Next)05-06
Inst Owners4.46%
Inst Owner ChangeN/A
Ins Owners7.54%
Ins Owner ChangeN/A
Market Cap1.25B
Revenue(TTM)925.07M
Net Income(TTM)199.82M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.54%
Yearly Dividend0.45
Dividend Growth(5Y)38.43%
DP30.14%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 6.25
Fwd PE N/A
P/S 1.35
P/FCF N/A
P/OCF N/A
P/B 0.84
P/tB 0.86
EV/EBITDA N/A
EPS(TTM)1.52
EY16%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-1.9
FCFYN/A
OCF(TTM)-1.85
OCFYN/A
SpS7.04
BVpS11.34
TBVpS10.99
PEG (NY)N/A
PEG (5Y)0.15
Graham Number19.691 (107.27%)
Profitability
Industry RankSector Rank
ROA 1.02%
ROE 13.41%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.6%
GM N/A
FCFM N/A
ROA(3y)0.88%
ROA(5y)0.68%
ROE(3y)11.68%
ROE(5y)9.47%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y11.47%
PM growth 5Y31.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 3.76
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.69%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACC5.19%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.71%
Cap/Sales(5y)1.33%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0.26%
EPS 3Y17.37%
EPS 5Y41.67%
EPS Q2Q%23.39%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.04%
Revenue growth 3Y4.11%
Revenue growth 5Y6.55%
Sales Q2Q%4.04%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y56.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y56.76%
OCF growth 3YN/A
OCF growth 5YN/A

BANCO DESIO E DELLA BRIANZA / BDB.MI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for BANCO DESIO E DELLA BRIANZA?

ChartMill assigns a fundamental rating of 3 / 10 to BDB.MI.


Can you provide the valuation status for BANCO DESIO E DELLA BRIANZA?

ChartMill assigns a valuation rating of 2 / 10 to BANCO DESIO E DELLA BRIANZA (BDB.MI). This can be considered as Overvalued.


How profitable is BANCO DESIO E DELLA BRIANZA (BDB.MI) stock?

BANCO DESIO E DELLA BRIANZA (BDB.MI) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for BDB stock?

The Price/Earnings (PE) ratio for BANCO DESIO E DELLA BRIANZA (BDB.MI) is 6.25 and the Price/Book (PB) ratio is 0.84.


How financially healthy is BANCO DESIO E DELLA BRIANZA?

The financial health rating of BANCO DESIO E DELLA BRIANZA (BDB.MI) is 1 / 10.