BANCA MEDIOLANUM SPA (BMED.MI) Stock Fundamental Analysis
BIT:BMED - IT0004776628 - Common Stock
17.21 EUR
+0.42 (+2.5%)
We assign a fundamental rating of 3 out of 10 to BMED. BMED was compared to 50 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 is valued correctly, 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.
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 (1.88%) which is comparable to the rest of the industry.
BMED has a better Return On Equity (38.66%) than 92.00% 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
With a decent Profit Margin value of 20.36%, BMED is doing good in the industry, outperforming 72.00% of the companies in the same 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) | 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.
BMED has less shares outstanding than it did 1 year ago.
BMED has more shares outstanding than it did 5 years ago.
BMED has a better debt/assets ratio than last year.
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.
With a Debt to FCF ratio value of 5.80, BMED perfoms like the industry average, outperforming 56.00% of the companies in the same industry.
A Debt/Equity ratio of 0.99 indicates that 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 66.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | 5.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.16%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BMED shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 36.00%, which is quite impressive.
The Earnings Per Share has been growing by 14.21% on average over the past years. This is quite good.
The Revenue has decreased by -9.62% in the past year.
BMED shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.11% yearly.
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 -2.84% on average over the next years.
BMED is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.50% yearly.
EPS Next Y-13.86%
EPS Next 2Y-6.63%
EPS Next 3Y-2.84%
EPS Next 5YN/A
Revenue Next Year-8.23%
Revenue Next 2Y-2.61%
Revenue Next 3Y-0.5%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
BMED is valuated reasonably with a Price/Earnings ratio of 11.47.
Compared to the rest of the industry, the Price/Earnings ratio of BMED indicates a somewhat cheap valuation: BMED is cheaper than 66.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.03, BMED is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 13.20, the valuation of BMED can be described as correct.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BMED is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.63, BMED is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.47 | ||
| Fwd PE | 13.2 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BMED is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.9 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BMED's earnings are expected to decrease with -2.84% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.81
EPS Next 2Y-6.63%
EPS Next 3Y-2.84%
5. Dividend
5.1 Amount
BMED has a Yearly Dividend Yield of 5.79%, which is a nice return.
BMED's Dividend Yield is rather good when compared to the industry average which is at 3.49. BMED pays more dividend than 94.00% of the companies in the same industry.
BMED's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.79% |
5.2 History
The dividend of BMED is nicely growing with an annual growth rate of 14.04%!
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-6.63%
EPS Next 3Y-2.84%
BIT:BMED (9/4/2025, 7:00:00 PM)
17.21
+0.42 (+2.5%)
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 Cap12.83B
Analysts82.5
Price Target17.69 (2.79%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.79% |
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)11.04%
PT rev (3m)14.03%
EPS NQ rev (1m)-0.92%
EPS NQ rev (3m)N/A
EPS NY rev (1m)6.52%
EPS NY rev (3m)6.52%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.27%
Revenue NY rev (3m)-3.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.47 | ||
| Fwd PE | 13.2 | ||
| P/S | 1.62 | ||
| P/FCF | 17.9 | ||
| P/OCF | 16.55 | ||
| P/B | 3.07 | ||
| P/tB | 3.24 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.5
EY8.72%
EPS(NY)1.3
Fwd EY7.58%
FCF(TTM)0.96
FCFY5.59%
OCF(TTM)1.04
OCFY6.04%
SpS10.64
BVpS5.6
TBVpS5.32
PEG (NY)N/A
PEG (5Y)0.81
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
WACC7.16%
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-13.86%
EPS Next 2Y-6.63%
EPS Next 3Y-2.84%
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-8.23%
Revenue Next 2Y-2.61%
Revenue Next 3Y-0.5%
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%