BANCA MEDIOLANUM SPA (BMED.MI) Stock Fundamental Analysis
Europe - BIT:BMED - IT0004776628 - Common Stock
18.43 EUR
-0.36 (-1.92%)
Overall BMED gets a fundamental rating of 3 out of 10. We evaluated BMED against 52 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 it does not seem to be growing. 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
The Return On Assets of BMED (1.88%) is comparable to the rest of the industry.
BMED has a Return On Equity of 38.66%. This is amongst the best in the industry. BMED outperforms 90.38% 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 76.92% of its industry peers.
In the last couple of years the Profit Margin of BMED has grown nicely.
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.
The number of shares outstanding for BMED has been reduced compared to 1 year ago.
BMED has more shares outstanding than it did 5 years ago.
The debt/assets ratio for BMED has been reduced compared to a year ago.
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.
Looking at the Debt to FCF ratio, with a value of 5.80, BMED is in the better half of the industry, outperforming 61.54% of the companies in the same 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 worse Debt to Equity ratio (0.99) than 67.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | 5.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.22%
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 -4.20% in the past year.
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%186.62%
Revenue 1Y (TTM)-4.2%
Revenue growth 3Y-0.53%
Revenue growth 5Y0.11%
Sales Q2Q%270.95%
3.2 Future
BMED is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.28% yearly.
The Revenue is expected to decrease by -0.06% on average over the next years.
EPS Next Y-12.5%
EPS Next 2Y-5.55%
EPS Next 3Y-2.28%
EPS Next 5YN/A
Revenue Next Year-7.97%
Revenue Next 2Y-2.33%
Revenue Next 3Y-0.06%
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.
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
With a Price/Earnings ratio of 12.29, BMED is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of BMED indicates a somewhat cheap valuation: BMED is cheaper than 71.15% of the companies listed in the same industry.
BMED is valuated cheaply when we compare the Price/Earnings ratio to 25.56, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 13.81, the valuation of BMED can be described as correct.
BMED's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of BMED to the average of the S&P500 Index (34.62), we can say BMED is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.29 | ||
| Fwd PE | 13.81 |
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 | 19.16 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BMED's earnings are expected to decrease with -2.28% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.86
EPS Next 2Y-5.55%
EPS Next 3Y-2.28%
5. Dividend
5.1 Amount
BMED has a Yearly Dividend Yield of 5.23%, which is a nice return.
BMED's Dividend Yield is rather good when compared to the industry average which is at 3.37. BMED pays more dividend than 88.46% of the companies in the same industry.
BMED's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.23% |
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-5.55%
EPS Next 3Y-2.28%
BIT:BMED (11/18/2025, 5:36:15 PM)
18.43
-0.36 (-1.92%)
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 Cap13.74B
Revenue(TTM)8.67B
Net Income(TTM)1.61B
Analysts81.18
Price Target18.34 (-0.49%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.23% |
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)2.99%
PT rev (3m)10.02%
EPS NQ rev (1m)3.42%
EPS NQ rev (3m)2.46%
EPS NY rev (1m)1.16%
EPS NY rev (3m)8.2%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.19%
Revenue NY rev (3m)1.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.29 | ||
| Fwd PE | 13.81 | ||
| P/S | 1.73 | ||
| P/FCF | 19.16 | ||
| P/OCF | 17.72 | ||
| P/B | 3.29 | ||
| P/tB | 3.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.5
EY8.14%
EPS(NY)1.33
Fwd EY7.24%
FCF(TTM)0.96
FCFY5.22%
OCF(TTM)1.04
OCFY5.64%
SpS10.64
BVpS5.6
TBVpS5.32
PEG (NY)N/A
PEG (5Y)0.86
Graham Number13.75
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
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 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
WACC7.22%
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%186.62%
EPS Next Y-12.5%
EPS Next 2Y-5.55%
EPS Next 3Y-2.28%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.2%
Revenue growth 3Y-0.53%
Revenue growth 5Y0.11%
Sales Q2Q%270.95%
Revenue Next Year-7.97%
Revenue Next 2Y-2.33%
Revenue Next 3Y-0.06%
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 FAQ
Can you provide the ChartMill fundamental rating for BANCA MEDIOLANUM SPA?
ChartMill assigns a fundamental rating of 3 / 10 to BMED.MI.
What is the valuation status of BANCA MEDIOLANUM SPA (BMED.MI) stock?
ChartMill assigns a valuation rating of 4 / 10 to BANCA MEDIOLANUM SPA (BMED.MI). This can be considered as Fairly Valued.
Can you provide the profitability details for BANCA MEDIOLANUM SPA?
BANCA MEDIOLANUM SPA (BMED.MI) has a profitability rating of 4 / 10.
What is the earnings growth outlook for BANCA MEDIOLANUM SPA?
The Earnings per Share (EPS) of BANCA MEDIOLANUM SPA (BMED.MI) is expected to decline by -12.5% in the next year.
How sustainable is the dividend of BANCA MEDIOLANUM SPA (BMED.MI) stock?
The dividend rating of BANCA MEDIOLANUM SPA (BMED.MI) is 7 / 10 and the dividend payout ratio is 45.69%.