BANCA MEDIOLANUM SPA (BMED.MI) Stock Fundamental Analysis
Europe - BIT:BMED - IT0004776628 - Common Stock
16.86 EUR
-0.15 (-0.88%)
Taking everything into account, BMED scores 3 out of 10 in our fundamental rating. BMED was compared to 51 industry peers in the Financial Services industry. There are concerns on the financial health of BMED while its profitability can be described as average. BMED has a valuation in line with the averages, but it does not seem to be growing. BMED also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BMED was profitable.
BMED had a positive operating cash flow in the past year.
In the past 5 years BMED has always been profitable.
In multiple years BMED reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.88%, BMED is in line with its industry, outperforming 54.90% of the companies in the same industry.
BMED has a Return On Equity of 38.66%. This is amongst the best in the industry. BMED outperforms 90.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.88% | ||
| ROE | 38.66% | ||
| ROIC | N/A |
ROA(3y)1.24%
ROA(5y)1.08%
ROE(3y)27.98%
ROE(5y)24.91%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BMED has a Profit Margin of 20.36%. This is in the better half of the industry: BMED outperforms 76.47% of its industry peers.
BMED's Profit Margin has improved in the last couple of years.
BMED does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.36% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y16.85%
PM growth 5Y14.52%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BMED does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BMED has less shares outstanding
BMED has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, BMED has an improved debt to assets ratio.
2.2 Solvency
BMED has a debt to FCF ratio of 5.80. This is a neutral value as BMED would need 5.80 years to pay back of all of its debts.
BMED has a Debt to FCF ratio (5.80) which is comparable to the rest of the industry.
BMED has a Debt/Equity ratio of 0.99. This is a neutral value indicating BMED is somewhat dependend on debt financing.
BMED has a Debt to Equity ratio of 0.99. This is in the lower half of the industry: BMED underperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | 5.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 36.00% over the past year.
Measured over the past years, BMED shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.21% on average per year.
BMED shows a decrease in Revenue. In the last year, the revenue decreased by -9.62%.
The Revenue has been growing slightly by 0.11% on average over the past years.
EPS 1Y (TTM)36%
EPS 3Y15.94%
EPS 5Y14.21%
EPS Q2Q%6.28%
Revenue 1Y (TTM)-9.62%
Revenue growth 3Y-0.53%
Revenue growth 5Y0.11%
Sales Q2Q%5.04%
3.2 Future
The Earnings Per Share is expected to decrease by -2.51% on average over the next years.
The Revenue is expected to decrease by -0.14% on average over the next years.
EPS Next Y-13.51%
EPS Next 2Y-6.05%
EPS Next 3Y-2.51%
EPS Next 5YN/A
Revenue Next Year-8.14%
Revenue Next 2Y-2.44%
Revenue Next 3Y-0.14%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.24, the valuation of BMED can be described as reasonable.
Based on the Price/Earnings ratio, BMED is valued a bit cheaper than the industry average as 74.51% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of BMED to the average of the S&P500 Index (27.31), we can say BMED is valued rather cheaply.
A Price/Forward Earnings ratio of 12.77 indicates a correct valuation of BMED.
Based on the Price/Forward Earnings ratio, BMED is valued a bit cheaper than the industry average as 60.78% of the companies are valued more expensively.
BMED's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.24 | ||
| Fwd PE | 12.77 |
4.2 Price Multiples
BMED's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.53 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as BMED's earnings are expected to decrease with -2.51% in the coming years.
PEG (NY)N/A
PEG (5Y)0.79
EPS Next 2Y-6.05%
EPS Next 3Y-2.51%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.83%, BMED is a good candidate for dividend investing.
BMED's Dividend Yield is rather good when compared to the industry average which is at 3.49. BMED pays more dividend than 92.16% of the companies in the same industry.
BMED's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.83% |
5.2 History
On average, the dividend of BMED grows each year by 14.04%, which is quite nice.
Dividend Growth(5Y)14.04%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
BMED pays out 45.69% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP45.69%
EPS Next 2Y-6.05%
EPS Next 3Y-2.51%
BIT:BMED (10/16/2025, 7:00:00 PM)
16.86
-0.15 (-0.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners12.4%
Inst Owner ChangeN/A
Ins Owners40.28%
Ins Owner ChangeN/A
Market Cap12.57B
Analysts81.18
Price Target17.81 (5.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.83% |
Yearly Dividend0.79
Dividend Growth(5Y)14.04%
DP45.69%
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)0%
PT rev (3m)11.21%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.27%
EPS NY rev (1m)0.41%
EPS NY rev (3m)6.96%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.24 | ||
| Fwd PE | 12.77 | ||
| P/S | 1.58 | ||
| P/FCF | 17.53 | ||
| P/OCF | 16.21 | ||
| P/B | 3.01 | ||
| P/tB | 3.17 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.5
EY8.9%
EPS(NY)1.32
Fwd EY7.83%
FCF(TTM)0.96
FCFY5.7%
OCF(TTM)1.04
OCFY6.17%
SpS10.64
BVpS5.6
TBVpS5.32
PEG (NY)N/A
PEG (5Y)0.79
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.88% | ||
| ROE | 38.66% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.36% | ||
| GM | N/A | ||
| FCFM | 9.04% |
ROA(3y)1.24%
ROA(5y)1.08%
ROE(3y)27.98%
ROE(5y)24.91%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y16.85%
PM growth 5Y14.52%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | 5.8 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 98.92% | ||
| Cap/Sales | 0.74% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 44.39% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC7.27%
ROIC/WACCN/A
Cap/Depr(3y)87.43%
Cap/Depr(5y)95.87%
Cap/Sales(3y)2.01%
Cap/Sales(5y)1.62%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)36%
EPS 3Y15.94%
EPS 5Y14.21%
EPS Q2Q%6.28%
EPS Next Y-13.51%
EPS Next 2Y-6.05%
EPS Next 3Y-2.51%
EPS Next 5YN/A
Revenue 1Y (TTM)-9.62%
Revenue growth 3Y-0.53%
Revenue growth 5Y0.11%
Sales Q2Q%5.04%
Revenue Next Year-8.14%
Revenue Next 2Y-2.44%
Revenue Next 3Y-0.14%
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 1Y455.64%
FCF growth 3Y8.9%
FCF growth 5Y27.28%
OCF growth 1Y294.27%
OCF growth 3Y8.21%
OCF growth 5Y25.97%