MEDIOBANCA SPA(BIT:MB) stock Fundamental Analysis

Fundamental Rating

Overall MB gets a fundamental rating of 3 out of 10. We evaluated MB against 95 industry peers in the Banks industry. While MB is still in line with the averages on profitability rating, there are concerns on its financial health. While showing a medium growth rate, MB is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

In the past year MB was profitable.

In the past year MB has reported a negative cash flow from operations.

In the past 5 years MB has always been profitable.

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

1.2 Ratios

MB has a Return On Assets of 1.99%. This is amongst the best in the industry. MB outperforms 94.74% of its industry peers.

MB's Return On Equity of 17.68% is amongst the best of the industry. MB outperforms 90.53% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.99%
ROE	17.68%
ROIC	N/A

ROA(3y)1.14%

ROA(5y)1.03%

ROE(3y)9.67%

ROE(5y)8.51%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With an excellent Profit Margin value of 34.24%, MB belongs to the best of the industry, outperforming 88.42% of the companies in the same industry.

MB's Profit Margin has been stable in the last couple of years.

MB 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)	34.24%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y4.77%

PM growth 5Y1.38%

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

MB does not have a ROIC to compare to the WACC, probably because it is not profitable.

MB has less shares outstanding than it did 1 year ago.

MB has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, MB has a worse debt to assets ratio.

2.2 Solvency

A Debt/Equity ratio of 4.11 is on the high side and indicates that MB has dependencies on debt financing.

The Debt to Equity ratio of MB (4.11) is worse than 80.00% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.11
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.39%

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

MB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.58%, which is quite impressive.

Measured over the past years, MB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.21% on average per year.

The Revenue has grown by 11.75% in the past year. This is quite good.

MB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.64% yearly.

EPS 1Y (TTM)21.58%

EPS 3Y18.01%

EPS 5Y10.21%

EPS Q2Q%33.33%

Revenue 1Y (TTM)11.75%

Revenue growth 3Y11.09%

Revenue growth 5Y7.64%

Sales Q2Q%13.4%

3.2 Future

MB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.51% yearly.

The Revenue is expected to grow by 2.63% on average over the next years.

EPS Next Y7.14%

EPS Next 2Y7.17%

EPS Next 3Y6.02%

EPS Next 5Y4.51%

Revenue Next Year3.58%

Revenue Next 2Y3.9%

Revenue Next 3Y4.01%

Revenue Next 5Y2.63%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.43 indicates a reasonable valuation of MB.

Based on the Price/Earnings ratio, MB is valued a bit more expensive than the industry average as 75.79% of the companies are valued more cheaply.

MB is valuated cheaply when we compare the Price/Earnings ratio to 28.18, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 10.36 indicates a reasonable valuation of MB.

Compared to the rest of the industry, the Price/Forward Earnings ratio of MB is on the same level as its industry peers.

The average S&P500 Price/Forward Earnings ratio is at 20.81. MB is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	11.43
Fwd PE	10.36

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.6

PEG (5Y)1.12

EPS Next 2Y7.17%

EPS Next 3Y6.02%

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5. Dividend

5.1 Amount

MB has a Yearly Dividend Yield of 5.95%, which is a nice return.

MB's Dividend Yield is comparable with the industry average which is at 5.30.

Compared to an average S&P500 Dividend Yield of 2.45, MB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.95%

5.2 History

On average, the dividend of MB grows each year by 24.10%, which is quite nice.

Dividend Growth(5Y)24.1%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

45.11% of the earnings are spent on dividend by MB. This is a bit on the high side, but may be sustainable.

The dividend of MB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP45.11%

EPS Next 2Y7.17%

EPS Next 3Y6.02%

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MEDIOBANCA SPA

BIT:MB (5/5/2025, 2:27:12 PM)

18.405

+0.2 (+1.07%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-10 2025-02-10/amc

Earnings (Next)05-08 2025-05-08

Inst Owners25.13%

Inst Owner ChangeN/A

Ins Owners9.98%

Ins Owner ChangeN/A

Market Cap15.34B

Analysts72.73

Price Target17.54 (-4.7%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.95%

Yearly Dividend1.38

Dividend Growth(5Y)24.1%

DP45.11%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.84%

Min EPS beat(2)-2.91%

Max EPS beat(2)4.58%

EPS beat(4)3

Avg EPS beat(4)4.6%

Min EPS beat(4)-2.91%

Max EPS beat(4)12.43%

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)1

Avg Revenue beat(2)1.17%

Min Revenue beat(2)-3.66%

Max Revenue beat(2)6.01%

Revenue beat(4)2

Avg Revenue beat(4)0.89%

Min Revenue beat(4)-3.66%

Max Revenue beat(4)6.01%

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)0.72%

PT rev (3m)6.59%

EPS NQ rev (1m)-3.75%

EPS NQ rev (3m)-3.27%

EPS NY rev (1m)0.29%

EPS NY rev (3m)0.87%

Revenue NQ rev (1m)-0.63%

Revenue NQ rev (3m)-0.63%

Revenue NY rev (1m)-0.18%

Revenue NY rev (3m)0.26%

Valuation

		Industry Rank	Sector Rank
PE	11.43
Fwd PE	10.36
P/S	2.64
P/FCF	N/A
P/OCF	N/A
P/B	1.37
P/tB	1.51
EV/EBITDA	N/A

EPS(TTM)1.61

EY8.75%

EPS(NY)1.78

Fwd EY9.65%

FCF(TTM)-1.86

FCFYN/A

OCF(TTM)-1.73

OCFYN/A

SpS6.96

BVpS13.48

TBVpS12.21

PEG (NY)1.6

PEG (5Y)1.12

Profitability

		Industry Rank	Sector Rank
ROA	1.99%
ROE	17.68%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	34.24%
GM	N/A
FCFM	N/A

ROA(3y)1.14%

ROA(5y)1.03%

ROE(3y)9.67%

ROE(5y)8.51%

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 3Y4.77%

PM growth 5Y1.38%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	4.11
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.91%
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-Score5

WACC5.39%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)2.17%

Cap/Sales(5y)2.07%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)21.58%

EPS 3Y18.01%

EPS 5Y10.21%

EPS Q2Q%33.33%

EPS Next Y7.14%

EPS Next 2Y7.17%

EPS Next 3Y6.02%

EPS Next 5Y4.51%

Revenue 1Y (TTM)11.75%

Revenue growth 3Y11.09%

Revenue growth 5Y7.64%

Sales Q2Q%13.4%

Revenue Next Year3.58%

Revenue Next 2Y3.9%

Revenue Next 3Y4.01%

Revenue Next 5Y2.63%

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 1Y-125.88%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-123.7%

OCF growth 3YN/A

OCF growth 5Y102.52%

MEDIOBANCA SPA (MB.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