BMED Fundamental Analysis - BANCA MEDIOLANUM SPA

Fundamental Rating

Taking everything into account, BMED scores 3 out of 10 in our fundamental rating. BMED was compared to 47 industry peers in the Financial Services industry. BMED has a medium profitability rating, but doesn't score so well on its financial health evaluation. BMED has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally BMED also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year BMED was profitable.

BMED had a positive operating cash flow in the past year.

BMED had positive earnings in each of the past 5 years.

In multiple years BMED reported negative operating cash flow during the last 5 years.

1.2 Ratios

The Return On Assets of BMED (1.88%) is comparable to the rest of the industry.

BMED has a better Return On Equity (38.66%) than 93.62% 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

Looking at the Profit Margin, with a value of 20.36%, BMED is in the better half of the industry, outperforming 72.34% of the companies in the same industry.

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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

The number of shares outstanding for BMED has been increased compared to 5 years ago.

Compared to 1 year ago, BMED has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of BMED is 5.80, which is a neutral value as it means it would take BMED, 5.80 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 5.80, BMED is in the better half of the industry, outperforming 61.70% 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 63.83% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.99
Debt/FCF	5.8
Altman-Z	N/A

ROIC/WACCN/A

WACC7.2%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

BMED shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.21% yearly.

BMED shows a decrease in Revenue. In the last year, the revenue decreased by -9.62%.

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.

The Revenue is expected to decrease by -0.14% on average over the next years.

EPS Next Y-13.86%

EPS Next 2Y-6.63%

EPS Next 3Y-2.84%

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

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 decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.24, which indicates a very decent valuation of BMED.

Based on the Price/Earnings ratio, BMED is valued a bit cheaper than 76.60% of the companies in the same industry.

When comparing the Price/Earnings ratio of BMED to the average of the S&P500 Index (27.06), we can say BMED is valued rather cheaply.

BMED is valuated correctly with a Price/Forward Earnings ratio of 12.92.

BMED's Price/Forward Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.64, BMED is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	11.24
Fwd PE	12.92

4.2 Price Multiples

BMED's Price/Free Cash Flow is on the same level as 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 -2.84% in the coming years.

PEG (NY)N/A

PEG (5Y)0.79

EPS Next 2Y-6.63%

EPS Next 3Y-2.84%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.94%, BMED is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.85, BMED pays a better dividend. On top of this BMED pays more dividend than 91.49% of the companies listed in the same industry.

BMED's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	5.94%

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%

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BANCA MEDIOLANUM SPA

BIT:BMED (9/26/2025, 10:19:43 AM)

16.855

+0.18 (+1.05%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)07-31 2025-07-31

Earnings (Next)11-05 2025-11-05

Inst Owners10.45%

Inst Owner ChangeN/A

Ins Owners40.28%

Ins Owner ChangeN/A

Market Cap12.56B

Analysts81.18

Price Target17.81 (5.67%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.94%

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)6.83%

PT rev (3m)11.84%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)6.52%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.09%

Revenue NY rev (3m)-3.49%

Valuation

		Industry Rank	Sector Rank
PE	11.24
Fwd PE	12.92
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)1.3

Fwd EY7.74%

FCF(TTM)0.96

FCFY5.71%

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

WACC7.2%

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-8.14%

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%

BANCA MEDIOLANUM SPA (BMED.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens