MEDIOBANCA SPA (MB.MI) Fundamental Analysis & Valuation

BIT:MB • IT0000062957

Current stock price

19.65 EUR
+0.45 (+2.37%)
Last:

This MB.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. MB.MI Profitability Analysis

1.1 Basic Checks

  • In the past year MB was profitable.
  • In the past 5 years MB has always been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: MB reported negative operating cash flow in multiple years.
MB.MI Yearly Net Income VS EBIT VS OCF VS FCFMB.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 -2B 4B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.84%, MB belongs to the top of the industry, outperforming 91.82% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 17.04%, MB belongs to the top of the industry, outperforming 85.45% of the companies in the same industry.
Industry RankSector Rank
ROA 1.84%
ROE 17.04%
ROIC N/A
ROA(3y)1.23%
ROA(5y)1.13%
ROE(3y)10.79%
ROE(5y)9.64%
ROIC(3y)N/A
ROIC(5y)N/A
MB.MI Yearly ROA, ROE, ROICMB.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With an excellent Profit Margin value of 33.96%, MB belongs to the best of the industry, outperforming 85.45% of the companies in the same industry.
  • MB's Profit Margin has improved 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 RankSector Rank
OM N/A
PM (TTM) 33.96%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.47%
PM growth 5Y7.62%
GM growth 3YN/A
GM growth 5YN/A
MB.MI Yearly Profit, Operating, Gross MarginsMB.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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1

2. MB.MI Health Analysis

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.
  • The number of shares outstanding for MB has been reduced compared to 5 years ago.
  • MB has a worse debt/assets ratio than last year.
MB.MI Yearly Shares OutstandingMB.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
MB.MI Yearly Total Debt VS Total AssetsMB.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 100B

2.2 Solvency

  • A Debt/Equity ratio of 2.73 is on the high side and indicates that MB has dependencies on debt financing.
  • The Debt to Equity ratio of MB (2.73) is worse than 70.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.73
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.78%
MB.MI Yearly LT Debt VS Equity VS FCFMB.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 10B 20B 30B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MB.MI Yearly Current Assets VS Current LiabilitesMB.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

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

4

3. MB.MI Growth Analysis

3.1 Past

  • MB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.15%.
  • MB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.80% yearly.
  • The Revenue has been growing slightly by 0.14% in the past year.
  • MB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.94% yearly.
EPS 1Y (TTM)0.15%
EPS 3Y14.92%
EPS 5Y18.8%
EPS Q2Q%-3.85%
Revenue 1Y (TTM)0.14%
Revenue growth 3Y9.81%
Revenue growth 5Y8.94%
Sales Q2Q%81.67%

3.2 Future

  • Based on estimates for the next years, MB will show a small growth in Earnings Per Share. The EPS will grow by 3.34% on average per year.
  • Based on estimates for the next years, MB will show a small growth in Revenue. The Revenue will grow by 3.41% on average per year.
EPS Next Y3.64%
EPS Next 2Y6.13%
EPS Next 3Y5.16%
EPS Next 5Y3.34%
Revenue Next Year0.99%
Revenue Next 2Y3.03%
Revenue Next 3Y3.41%
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.
MB.MI Yearly Revenue VS EstimatesMB.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B 4B
MB.MI Yearly EPS VS EstimatesMB.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.5 1 1.5

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4

4. MB.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.19, the valuation of MB can be described as reasonable.
  • MB's Price/Earnings ratio is rather cheap when compared to the industry. MB is cheaper than 91.82% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of MB to the average of the S&P500 Index (27.38), we can say MB is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 10.36, the valuation of MB can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of MB indicates a somewhat cheap valuation: MB is cheaper than 79.09% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of MB to the average of the S&P500 Index (38.20), we can say MB is valued rather cheaply.
Industry RankSector Rank
PE 8.19
Fwd PE 10.36
MB.MI Price Earnings VS Forward Price EarningsMB.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
MB.MI Per share dataMB.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.25
PEG (5Y)0.44
EPS Next 2Y6.13%
EPS Next 3Y5.16%

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

5

5. MB.MI Dividend Analysis

5.1 Amount

  • MB has a Yearly Dividend Yield of 3.57%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 4.56, MB is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, MB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.57%

5.2 History

  • On average, the dividend of MB grows each year by 19.69%, which is quite nice.
Dividend Growth(5Y)19.69%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 24.48% of the earnings are spent on dividend by MB. This is a low number and sustainable payout ratio.
  • The dividend of MB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP24.48%
EPS Next 2Y6.13%
EPS Next 3Y5.16%
MB.MI Yearly Income VS Free CF VS DividendMB.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 2B -2B 4B
MB.MI Dividend Payout.MB.MI Dividend Payout, showing the Payout Ratio.MB.MI Dividend Payout.PayoutRetained Earnings

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MB.MI Fundamentals: All Metrics, Ratios and Statistics

MEDIOBANCA SPA

BIT:MB (4/16/2026, 5:35:30 PM)

19.65

+0.45 (+2.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-10
Earnings (Next)05-07
Inst Owners89.46%
Inst Owner ChangeN/A
Ins Owners7.85%
Ins Owner ChangeN/A
Market Cap15.98B
Revenue(TTM)5.74B
Net Income(TTM)1.95B
Analysts75
Price Target20.73 (5.5%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.57%
Yearly Dividend1.15
Dividend Growth(5Y)19.69%
DP24.48%
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)4.12%
PT rev (3m)6.2%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.2%
EPS NY rev (3m)-1.52%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.65%
Revenue NY rev (3m)-2.74%
Valuation
Industry RankSector Rank
PE 8.19
Fwd PE 10.36
P/S 2.79
P/FCF N/A
P/OCF N/A
P/B 1.4
P/tB 1.4
EV/EBITDA N/A
EPS(TTM)2.4
EY12.21%
EPS(NY)1.9
Fwd EY9.65%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.06
BVpS14.06
TBVpS14.06
PEG (NY)2.25
PEG (5Y)0.44
Graham Number27.5526 (40.22%)
Profitability
Industry RankSector Rank
ROA 1.84%
ROE 17.04%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.96%
GM N/A
FCFM N/A
ROA(3y)1.23%
ROA(5y)1.13%
ROE(3y)10.79%
ROE(5y)9.64%
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 3Y3.47%
PM growth 5Y7.62%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 2.73
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
WACC5.78%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)2.73%
Cap/Sales(5y)2.42%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0.15%
EPS 3Y14.92%
EPS 5Y18.8%
EPS Q2Q%-3.85%
EPS Next Y3.64%
EPS Next 2Y6.13%
EPS Next 3Y5.16%
EPS Next 5Y3.34%
Revenue 1Y (TTM)0.14%
Revenue growth 3Y9.81%
Revenue growth 5Y8.94%
Sales Q2Q%81.67%
Revenue Next Year0.99%
Revenue Next 2Y3.03%
Revenue Next 3Y3.41%
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 1Y-483.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-373.71%
OCF growth 3YN/A
OCF growth 5YN/A

MEDIOBANCA SPA / MB.MI Fundamental Analysis FAQ

What is the fundamental rating for MB stock?

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


What is the valuation status of MEDIOBANCA SPA (MB.MI) stock?

ChartMill assigns a valuation rating of 5 / 10 to MEDIOBANCA SPA (MB.MI). This can be considered as Fairly Valued.


What is the profitability of MB stock?

MEDIOBANCA SPA (MB.MI) has a profitability rating of 4 / 10.


What are the PE and PB ratios of MEDIOBANCA SPA (MB.MI) stock?

The Price/Earnings (PE) ratio for MEDIOBANCA SPA (MB.MI) is 8.19 and the Price/Book (PB) ratio is 1.4.


What is the expected EPS growth for MEDIOBANCA SPA (MB.MI) stock?

The Earnings per Share (EPS) of MEDIOBANCA SPA (MB.MI) is expected to grow by 3.64% in the next year.