BANCO DESIO E DELLA BRIANZA (BDB.MI) Stock Fundamental Analysis
Europe - BIT:BDB - IT0001041000 - Common Stock
8.37 EUR
-0.01 (-0.12%)
Taking everything into account, BDB scores 3 out of 10 in our fundamental rating. BDB was compared to 96 industry peers in the Banks industry. Both the profitability and financial health of BDB have multiple concerns. BDB does not seem to be growing, but still is valued expensively. BDB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
BDB had positive earnings in the past year.
BDB had a negative operating cash flow in the past year.
In the past 5 years BDB has always been profitable.
In multiple years BDB reported negative operating cash flow during the last 5 years.
1.2 Ratios
BDB has a Return On Assets of 1.04%. This is in the better half of the industry: BDB outperforms 68.75% of its industry peers.
BDB's Return On Equity of 13.35% is fine compared to the rest of the industry. BDB outperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.04% | ||
| ROE | 13.35% | ||
| ROIC | N/A |
ROA(3y)0.81%
ROA(5y)0.58%
ROE(3y)11.23%
ROE(5y)8.22%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BDB has a Profit Margin (21.49%) which is in line with its industry peers.
BDB's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for BDB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.49% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y23.49%
PM growth 5Y15.54%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BDB does not have a ROIC to compare to the WACC, probably because it is not profitable.
BDB has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, BDB has less shares outstanding
BDB has a worse debt/assets ratio than last year.
2.2 Solvency
BDB has a Debt/Equity ratio of 3.55. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 3.55, BDB is doing worse than 78.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.98%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BDB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.91%.
The Earnings Per Share has been growing by 25.39% on average over the past years. This is a very strong growth
The Revenue has decreased by -5.83% in the past year.
Measured over the past years, BDB shows a quite strong growth in Revenue. The Revenue has been growing by 8.69% on average per year.
EPS 1Y (TTM)-0.91%
EPS 3Y31.39%
EPS 5Y25.39%
EPS Q2Q%-8.29%
Revenue 1Y (TTM)-5.83%
Revenue growth 3Y6.69%
Revenue growth 5Y8.69%
Sales Q2Q%-4.97%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 5.77, which indicates a rather cheap valuation of BDB.
BDB's Price/Earnings ratio is rather cheap when compared to the industry. BDB is cheaper than 94.79% of the companies in the same industry.
When comparing the Price/Earnings ratio of BDB to the average of the S&P500 Index (25.91), we can say BDB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.77 | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.23
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.82%, BDB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.84, BDB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, BDB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.82% |
5.2 History
The dividend of BDB is nicely growing with an annual growth rate of 20.01%!
Dividend Growth(5Y)20.01%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
31.18% of the earnings are spent on dividend by BDB. This is a low number and sustainable payout ratio.
The dividend of BDB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP31.18%
EPS Next 2YN/A
EPS Next 3YN/A
BIT:BDB (11/13/2025, 7:00:00 PM)
8.37
-0.01 (-0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners4.51%
Inst Owner ChangeN/A
Ins Owners7.38%
Ins Owner ChangeN/A
Market Cap1.12B
Revenue(TTM)898.91M
Net Income(TTM)193.14M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.82% |
Yearly Dividend0.26
Dividend Growth(5Y)20.01%
DP31.18%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.77 | ||
| Fwd PE | N/A | ||
| P/S | 1.25 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.78 | ||
| P/tB | 0.8 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.45
EY17.32%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-3.05
FCFYN/A
OCF(TTM)-3.01
OCFYN/A
SpS6.69
BVpS10.77
TBVpS10.45
PEG (NY)N/A
PEG (5Y)0.23
Graham Number18.74
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.04% | ||
| ROE | 13.35% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.49% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.81%
ROA(5y)0.58%
ROE(3y)11.23%
ROE(5y)8.22%
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 3Y23.49%
PM growth 5Y15.54%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.55 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.64% | ||
| 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-Score3
WACC4.98%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.66%
Cap/Sales(5y)1.27%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-0.91%
EPS 3Y31.39%
EPS 5Y25.39%
EPS Q2Q%-8.29%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-5.83%
Revenue growth 3Y6.69%
Revenue growth 5Y8.69%
Sales Q2Q%-4.97%
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 1Y-121.65%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-121.28%
OCF growth 3YN/A
OCF growth 5YN/A
BANCO DESIO E DELLA BRIANZA / BDB.MI 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.
What is the valuation status for BDB stock?
ChartMill assigns a valuation rating of 2 / 10 to BANCO DESIO E DELLA BRIANZA (BDB.MI). This can be considered as Overvalued.
What is the profitability of BDB stock?
BANCO DESIO E DELLA BRIANZA (BDB.MI) has a profitability rating of 3 / 10.
How financially healthy is BANCO DESIO E DELLA BRIANZA?
The financial health rating of BANCO DESIO E DELLA BRIANZA (BDB.MI) is 1 / 10.