BANCA MEDIOLANUM SPA (BMED.MI) Stock Fundamental Analysis
BIT:BMED - Euronext Milan - IT0004776628 - Common Stock - Currency: EUR
Overall BMED gets a fundamental rating of 4 out of 10. We evaluated BMED against 50 industry peers in the Financial Services industry. Both the profitability and financial health of BMED have multiple concerns. BMED has a correct valuation and a medium growth rate. Finally BMED also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BMED was profitable.
In the past year BMED had a positive cash flow from operations.
BMED had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: BMED reported negative operating cash flow in multiple years.
1.2 Ratios
BMED has a Return On Assets of 1.82%. This is comparable to the rest of the industry: BMED outperforms 44.00% of its industry peers.
BMED has a Return On Equity of 38.86%. This is amongst the best in the industry. BMED outperforms 90.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.82% | ||
| ROE | 38.86% | ||
| 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
The Profit Margin of BMED (16.26%) is comparable to the rest of the industry.
BMED's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for BMED so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 16.26% | ||
| 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.
BMED has less shares outstanding than it did 1 year ago.
The number of shares outstanding for BMED has been increased compared to 5 years ago.
BMED has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of BMED is 6.56, which is on the high side as it means it would take BMED, 6.56 years of fcf income to pay off all of its debts.
BMED has a Debt to FCF ratio (6.56) which is comparable to the rest of the industry.
A Debt/Equity ratio of 1.79 is on the high side and indicates that BMED has dependencies on debt financing.
BMED has a worse Debt to Equity ratio (1.79) than 66.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.79 | ||
| Debt/FCF | 6.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.25%
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.
The Earnings Per Share has been growing by 14.21% on average over the past years. This is quite good.
The Revenue has grown by 44.99% in the past year. This is a very strong growth!
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%81.82%
Revenue 1Y (TTM)44.99%
Revenue growth 3Y-0.53%
Revenue growth 5Y0.11%
Sales Q2Q%11.52%
3.2 Future
Based on estimates for the next years, BMED will show a decrease in Earnings Per Share. The EPS will decrease by -4.80% on average per year.
BMED is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.26% yearly.
EPS Next Y-19.14%
EPS Next 2Y-8.65%
EPS Next 3Y-4.8%
EPS Next 5YN/A
Revenue Next Year-4.82%
Revenue Next 2Y1.08%
Revenue Next 3Y1.26%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.33, 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 68.00% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.34. BMED is valued rather cheaply when compared to this.
BMED is valuated reasonably with a Price/Forward Earnings ratio of 11.56.
BMED's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BMED is cheaper than 64.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.03. BMED is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.33 | ||
| Fwd PE | 11.56 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BMED is valued a bit cheaper than the industry average as 76.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.52 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as BMED's earnings are expected to decrease with -4.80% in the coming years.
PEG (NY)N/A
PEG (5Y)0.66
EPS Next 2Y-8.65%
EPS Next 3Y-4.8%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.14%, BMED is a good candidate for dividend investing.
BMED's Dividend Yield is rather good when compared to the industry average which is at 3.82. BMED pays more dividend than 92.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, BMED pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.14% |
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
37.38% of the earnings are spent on dividend by BMED. This is a low number and sustainable payout ratio.
DP37.38%
EPS Next 2Y-8.65%
EPS Next 3Y-4.8%
BIT:BMED (6/23/2025, 5:36:15 PM)
13.99
-0.19 (-1.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners10.45%
Inst Owner ChangeN/A
Ins Owners40.28%
Ins Owner ChangeN/A
Market Cap10.43B
Analysts82.5
Price Target16.01 (14.44%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.14% |
Yearly Dividend0.79
Dividend Growth(5Y)14.04%
DP37.38%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)22.19%
Min EPS beat(2)1.77%
Max EPS beat(2)42.6%
EPS beat(4)3
Avg EPS beat(4)10.87%
Min EPS beat(4)-1.3%
Max EPS beat(4)42.6%
EPS beat(8)6
Avg EPS beat(8)7.49%
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)0
Avg Revenue beat(2)-32.79%
Min Revenue beat(2)-44.68%
Max Revenue beat(2)-20.91%
Revenue beat(4)0
Avg Revenue beat(4)-25.64%
Min Revenue beat(4)-44.68%
Max Revenue beat(4)-12.99%
Revenue beat(8)0
Avg Revenue beat(8)-20.01%
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)3.22%
PT rev (3m)9.51%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-2.31%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.33 | ||
| Fwd PE | 11.56 | ||
| P/S | 1.08 | ||
| P/FCF | 9.52 | ||
| P/OCF | 9.05 | ||
| P/B | 2.59 | ||
| P/tB | 2.73 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.5
EY10.72%
EPS(NY)1.21
Fwd EY8.65%
FCF(TTM)1.47
FCFY10.51%
OCF(TTM)1.55
OCFY11.05%
SpS12.91
BVpS5.4
TBVpS5.12
PEG (NY)N/A
PEG (5Y)0.66
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.82% | ||
| ROE | 38.86% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 16.26% | ||
| GM | N/A | ||
| FCFM | 11.39% |
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-Score7
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.79 | ||
| Debt/FCF | 6.56 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 95.34% | ||
| Cap/Sales | 0.59% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 70.03% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC7.25%
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%81.82%
EPS Next Y-19.14%
EPS Next 2Y-8.65%
EPS Next 3Y-4.8%
EPS Next 5YN/A
Revenue 1Y (TTM)44.99%
Revenue growth 3Y-0.53%
Revenue growth 5Y0.11%
Sales Q2Q%11.52%
Revenue Next Year-4.82%
Revenue Next 2Y1.08%
Revenue Next 3Y1.26%
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 1Y160.66%
FCF growth 3Y8.9%
FCF growth 5Y27.28%
OCF growth 1Y165.69%
OCF growth 3Y8.21%
OCF growth 5Y25.97%