BANCA MEDIOLANUM SPA (BMED.MI) Stock Fundamental Analysis

BIT:BMED • IT0004776628

17.25 EUR
-0.61 (-3.42%)
Last: Mar 3, 2026, 05:35 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Overall BMED gets a fundamental rating of 3 out of 10. We evaluated BMED against 55 industry peers in the Financial Services industry. Both the profitability and financial health of BMED have multiple concerns. BMED is valied quite expensively at the moment, while it does show a decent growth rate. Finally BMED also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • BMED had positive earnings in the past year.
  • Each year in the past 5 years BMED has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: BMED reported negative operating cash flow in multiple years.
BMED.MI Yearly Net Income VS EBIT VS OCF VS FCFBMED.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B

1.2 Ratios

  • BMED has a Return On Assets (1.92%) which is comparable to the rest of the industry.
  • BMED has a better Return On Equity (38.49%) than 92.73% of its industry peers.
Industry RankSector Rank
ROA 1.92%
ROE 38.49%
ROIC N/A
ROA(3y)1.46%
ROA(5y)1.21%
ROE(3y)31.26%
ROE(5y)27.24%
ROIC(3y)N/A
ROIC(5y)N/A
BMED.MI Yearly ROA, ROE, ROICBMED.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30

1.3 Margins

  • Looking at the Profit Margin, with a value of 23.06%, BMED is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
  • In the last couple of years the Profit Margin of BMED has grown nicely.
  • BMED does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.06%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.44%
PM growth 5Y25.76%
GM growth 3YN/A
GM growth 5YN/A
BMED.MI Yearly Profit, Operating, Gross MarginsBMED.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

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 more shares outstanding than it did 1 year ago.
  • 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.
BMED.MI Yearly Shares OutstandingBMED.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
BMED.MI Yearly Total Debt VS Total AssetsBMED.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • BMED has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
  • BMED has a better Debt to Equity ratio (0.07) than 81.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.25%
BMED.MI Yearly LT Debt VS Equity VS FCFBMED.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BMED.MI Yearly Current Assets VS Current LiabilitesBMED.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 36.00% over the past year.
  • BMED shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.21% yearly.
  • The Revenue for BMED has decreased by -22.00% in the past year. This is quite bad
  • Measured over the past years, BMED shows a small growth in Revenue. The Revenue has been growing by 0.11% on average per year.
EPS 1Y (TTM)36%
EPS 3Y15.94%
EPS 5Y14.21%
EPS Q2Q%16%
Revenue 1Y (TTM)-22%
Revenue growth 3Y-0.53%
Revenue growth 5Y0.11%
Sales Q2Q%23.56%

3.2 Future

  • BMED is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.57% yearly.
  • Based on estimates for the next years, BMED will show a small growth in Revenue. The Revenue will grow by 3.20% on average per year.
EPS Next Y-4.88%
EPS Next 2Y-3.08%
EPS Next 3Y-0.57%
EPS Next 5YN/A
Revenue Next Year-4.43%
Revenue Next 2Y0.45%
Revenue Next 3Y2.12%
Revenue Next 5Y3.2%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
BMED.MI Yearly Revenue VS EstimatesBMED.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B
BMED.MI Yearly EPS VS EstimatesBMED.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.50 indicates a reasonable valuation of BMED.
  • BMED's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of BMED to the average of the S&P500 Index (27.13), we can say BMED is valued rather cheaply.
  • BMED is valuated correctly with a Price/Forward Earnings ratio of 12.28.
  • The rest of the industry has a similar Price/Forward Earnings ratio as BMED.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.11, BMED is valued rather cheaply.
Industry RankSector Rank
PE 11.5
Fwd PE 12.28
BMED.MI Price Earnings VS Forward Price EarningsBMED.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BMED.MI Per share dataBMED.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.81
EPS Next 2Y-3.08%
EPS Next 3Y-0.57%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 6.80%, BMED is a good candidate for dividend investing.
  • BMED's Dividend Yield is rather good when compared to the industry average which is at 2.26. BMED pays more dividend than 92.73% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, BMED pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.8%

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

DP0%
EPS Next 2Y-3.08%
EPS Next 3Y-0.57%
BMED.MI Yearly Income VS Free CF VS DividendBMED.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B

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BANCA MEDIOLANUM SPA

BIT:BMED (3/3/2026, 5:35:30 PM)

17.25

-0.61 (-3.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-03
Earnings (Next)05-07
Inst Owners13.53%
Inst Owner ChangeN/A
Ins Owners40.21%
Ins Owner ChangeN/A
Market Cap12.86B
Revenue(TTM)7.50B
Net Income(TTM)1.73B
Analysts80
Price Target21.94 (27.19%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.8%
Yearly Dividend0.79
Dividend Growth(5Y)14.04%
DP0%
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)2
Avg Revenue beat(2)14.51%
Min Revenue beat(2)2.29%
Max Revenue beat(2)26.74%
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)10.08%
PT rev (3m)12.08%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)5.29%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)3.23%
Revenue NY rev (3m)5.77%
Valuation
Industry RankSector Rank
PE 11.5
Fwd PE 12.28
P/S 1.71
P/FCF N/A
P/OCF N/A
P/B 2.86
P/tB 3.01
EV/EBITDA N/A
EPS(TTM)1.5
EY8.7%
EPS(NY)1.41
Fwd EY8.15%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS10.07
BVpS6.03
TBVpS5.73
PEG (NY)N/A
PEG (5Y)0.81
Graham Number14.27
Profitability
Industry RankSector Rank
ROA 1.92%
ROE 38.49%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.06%
GM N/A
FCFM N/A
ROA(3y)1.46%
ROA(5y)1.21%
ROE(3y)31.26%
ROE(5y)27.24%
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 3Y-0.44%
PM growth 5Y25.76%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
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-ScoreN/A
WACC7.25%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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%16%
EPS Next Y-4.88%
EPS Next 2Y-3.08%
EPS Next 3Y-0.57%
EPS Next 5YN/A
Revenue 1Y (TTM)-22%
Revenue growth 3Y-0.53%
Revenue growth 5Y0.11%
Sales Q2Q%23.56%
Revenue Next Year-4.43%
Revenue Next 2Y0.45%
Revenue Next 3Y2.12%
Revenue Next 5Y3.2%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year6.47%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

BANCA MEDIOLANUM SPA / BMED.MI FAQ

What is the ChartMill fundamental rating of BANCA MEDIOLANUM SPA (BMED.MI) stock?

ChartMill assigns a fundamental rating of 3 / 10 to BMED.MI.


Can you provide the valuation status for BANCA MEDIOLANUM SPA?

ChartMill assigns a valuation rating of 3 / 10 to BANCA MEDIOLANUM SPA (BMED.MI). This can be considered as Overvalued.


Can you provide the profitability details for BANCA MEDIOLANUM SPA?

BANCA MEDIOLANUM SPA (BMED.MI) has a profitability rating of 3 / 10.


How financially healthy is BANCA MEDIOLANUM SPA?

The financial health rating of BANCA MEDIOLANUM SPA (BMED.MI) is 2 / 10.


What is the expected EPS growth for BANCA MEDIOLANUM SPA (BMED.MI) stock?

The Earnings per Share (EPS) of BANCA MEDIOLANUM SPA (BMED.MI) is expected to decline by -4.88% in the next year.