BANCA MEDIOLANUM SPA (BMED.MI) Stock Fundamental Analysis
Europe - BIT:BMED - IT0004776628 - Common Stock
18.88 EUR
-0.25 (-1.31%)
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 on the other hand it scores bad on growth. BMED also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BMED was profitable.
BMED had a positive operating cash flow 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.
1.2 Ratios
BMED has a Return On Assets (1.88%) which is in line with its industry peers.
BMED's Return On Equity of 38.66% is amongst the best of 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.
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
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.
Compared to 1 year ago, BMED has an improved debt to assets ratio.
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.
BMED has a Debt to FCF ratio (5.80) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.99 indicates that BMED is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.99, BMED is doing worse than 67.31% of the companies in the same industry.
| 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
The Earnings Per Share has grown by an impressive 36.00% over the past year.
Measured over the past years, BMED shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.21% on average per year.
BMED shows a decrease in Revenue. In the last year, the revenue decreased by -4.20%.
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%186.62%
Revenue 1Y (TTM)-4.2%
Revenue growth 3Y-0.53%
Revenue growth 5Y0.11%
Sales Q2Q%270.95%
3.2 Future
Based on estimates for the next years, BMED will show a decrease in Earnings Per Share. The EPS will decrease by -2.28% on average per year.
Based on estimates for the next years, BMED will show a decrease in Revenue. The Revenue will decrease by -0.06% on average per year.
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
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
With a Price/Earnings ratio of 12.59, BMED is valued correctly.
Based on the Price/Earnings ratio, BMED is valued a bit cheaper than the industry average as 71.15% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 25.89. BMED is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 14.15, which indicates a correct valuation of BMED.
BMED's Price/Forward Earnings is on the same level as the industry average.
BMED's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.59 | ||
| Fwd PE | 14.15 |
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 | 19.63 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as BMED's earnings are expected to decrease with -2.28% in the coming years.
PEG (NY)N/A
PEG (5Y)0.89
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.
Compared to an average industry Dividend Yield of 3.37, BMED pays a better dividend. On top of this BMED pays more dividend than 88.46% of the companies listed 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 | 5.23% |
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
45.69% of the earnings are spent on dividend by BMED. 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 (11/14/2025, 7:00:00 PM)
18.88
-0.25 (-1.31%)
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 Cap14.07B
Revenue(TTM)8.67B
Net Income(TTM)1.61B
Analysts81.18
Price Target18.34 (-2.86%)
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 | 12.59 | ||
| Fwd PE | 14.15 | ||
| P/S | 1.77 | ||
| P/FCF | 19.63 | ||
| P/OCF | 18.15 | ||
| P/B | 3.37 | ||
| P/tB | 3.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.5
EY7.94%
EPS(NY)1.33
Fwd EY7.07%
FCF(TTM)0.96
FCFY5.09%
OCF(TTM)1.04
OCFY5.51%
SpS10.64
BVpS5.6
TBVpS5.32
PEG (NY)N/A
PEG (5Y)0.89
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%.