BANCA MEDIOLANUM SPA (BMED.MI) Stock Fundamental Analysis

BIT:BMED • IT0004776628

18.24 EUR
-0.14 (-0.76%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Taking everything into account, BMED scores 4 out of 10 in our fundamental rating. BMED was compared to 56 industry peers in the Financial Services industry. While BMED is still in line with the averages on profitability rating, there are concerns on its financial health. BMED is quite expensive at the moment. It does show a decent growth rate. BMED also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • BMED had positive earnings in the past year.
  • 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.
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

  • The Return On Assets of BMED (1.92%) is better than 62.50% of its industry peers.
  • BMED has a Return On Equity of 38.49%. This is amongst the best in the industry. BMED outperforms 92.86% 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

  • The Profit Margin of BMED (23.06%) is better than 82.14% of its industry peers.
  • 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 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

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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.
  • The debt/assets ratio for BMED has been reduced compared to a year ago.
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

  • A Debt/Equity ratio of 0.07 indicates that BMED is not too dependend on debt financing.
  • The Debt to Equity ratio of BMED (0.07) is better than 82.14% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.17%
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

  • 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 for BMED has decreased by -22.00% in the past year. This is quite bad
  • 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%16%
Revenue 1Y (TTM)-22%
Revenue growth 3Y-0.53%
Revenue growth 5Y0.11%
Sales Q2Q%23.56%

3.2 Future

  • The Earnings Per Share is expected to decrease by -0.57% on average over the next years.
  • The Revenue is expected to grow by 0.90% on average over the next years.
EPS Next Y-4.88%
EPS Next 2Y-3.08%
EPS Next 3Y-0.57%
EPS Next 5YN/A
Revenue Next Year-6.87%
Revenue Next 2Y-1.14%
Revenue Next 3Y0.9%
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 accelerating: in the next years the growth will be better than in the last years.
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 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

  • With a Price/Earnings ratio of 12.16, BMED is valued correctly.
  • BMED's Price/Earnings ratio is a bit cheaper when compared to the industry. BMED is cheaper than 62.50% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of BMED to the average of the S&P500 Index (27.10), we can say BMED is valued rather cheaply.
  • A Price/Forward Earnings ratio of 12.98 indicates a correct valuation of BMED.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BMED is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of BMED to the average of the S&P500 Index (28.06), we can say BMED is valued rather cheaply.
Industry RankSector Rank
PE 12.16
Fwd PE 12.98
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)0.86
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

  • BMED has a Yearly Dividend Yield of 7.10%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.21, BMED pays a better dividend. On top of this BMED pays more dividend than 92.86% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, BMED pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.1%

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 (2/27/2026, 7:00:00 PM)

18.24

-0.14 (-0.76%)

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 Cap13.60B
Revenue(TTM)7.50B
Net Income(TTM)1.73B
Analysts80
Price Target21.14 (15.9%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.1%
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)6.09%
PT rev (3m)8.02%
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)0%
Revenue NY rev (3m)2.46%
Valuation
Industry RankSector Rank
PE 12.16
Fwd PE 12.98
P/S 1.81
P/FCF N/A
P/OCF N/A
P/B 3.03
P/tB 3.18
EV/EBITDA N/A
EPS(TTM)1.5
EY8.22%
EPS(NY)1.41
Fwd EY7.7%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS10.07
BVpS6.03
TBVpS5.73
PEG (NY)N/A
PEG (5Y)0.86
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
WACC7.17%
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-6.87%
Revenue Next 2Y-1.14%
Revenue Next 3Y0.9%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year10.65%
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 4 / 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 4 / 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.