MB Fundamental Analysis - MEDIOBANCA SPA

Fundamental Rating

Overall MB gets a fundamental rating of 3 out of 10. We evaluated MB against 96 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.

MB had positive earnings in each of the past 5 years.

The reported operating cash flow has been mixed in the past 5 years: MB reported negative operating cash flow in multiple years.

1.2 Ratios

The Return On Assets of MB (1.92%) is better than 95.83% of its industry peers.

MB has a better Return On Equity (17.82%) than 91.67% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.92%
ROE	17.82%
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

1.3 Margins

The Profit Margin of MB (34.96%) is better than 85.42% of its industry peers.

In the last couple of years the Profit Margin of MB has grown nicely.

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)	34.96%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y5.97%

PM growth 5Y9.17%

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.

The number of shares outstanding for MB has been reduced compared to 1 year ago.

The number of shares outstanding for MB has been reduced compared to 5 years ago.

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

2.2 Solvency

A Debt/Equity ratio of 2.82 is on the high side and indicates that MB has dependencies on debt financing.

MB's Debt to Equity ratio of 2.82 is on the low side compared to the rest of the industry. MB is outperformed by 64.58% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.82
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.22%

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

The Earnings Per Share has grown by an nice 15.38% over the past year.

Measured over the past 5 years, MB shows a small growth in Earnings Per Share. The EPS has been growing by 4.34% on average per year.

Looking at the last year, MB shows a small growth in Revenue. The Revenue has grown by 2.05% in the last year.

MB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.61% yearly.

EPS 1Y (TTM)15.38%

EPS 3Y4.6%

EPS 5Y4.34%

EPS Q2Q%5.96%

Revenue 1Y (TTM)2.05%

Revenue growth 3Y4.97%

Revenue growth 5Y4.61%

Sales Q2Q%-2.87%

3.2 Future

Based on estimates for the next years, MB will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.91% on average per year.

MB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.17% yearly.

EPS Next Y19.1%

EPS Next 2Y21.37%

EPS Next 3Y16.43%

EPS Next 5Y11.91%

Revenue Next Year15.58%

Revenue Next 2Y13.49%

Revenue Next 3Y10.4%

Revenue Next 5Y8.17%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better 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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 20.38, which indicates a rather expensive current valuation of MB.

MB's Price/Earnings ratio is rather expensive when compared to the industry. MB is more expensive than 88.54% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 26.76, MB is valued a bit cheaper.

MB is valuated correctly with a Price/Forward Earnings ratio of 13.84.

Compared to the rest of the industry, the Price/Forward Earnings ratio of MB indicates a slightly more expensive valuation: MB is more expensive than 76.04% of the companies listed in the same industry.

MB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.91.

		Industry Rank	Sector Rank
PE	20.38
Fwd PE	13.84

4.2 Price Multiples

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

4.3 Compensation for Growth

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

MB's earnings are expected to grow with 16.43% in the coming years. This may justify a more expensive valuation.

PEG (NY)1.07

PEG (5Y)4.7

EPS Next 2Y21.37%

EPS Next 3Y16.43%

More info and screens

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5. Dividend

5.1 Amount

MB has a Yearly Dividend Yield of 5.27%, which is a nice return.

Compared to an average industry Dividend Yield of 4.86, MB has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.36, MB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.27%

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

MB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP0%

EPS Next 2Y21.37%

EPS Next 3Y16.43%

More info and screens

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MEDIOBANCA SPA

BIT:MB (8/22/2025, 11:16:01 AM)

21.4

+0.42 (+2%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-31 2025-07-31/amc

Earnings (Next)11-09 2025-11-09

Inst Owners21.09%

Inst Owner ChangeN/A

Ins Owners7.66%

Ins Owner ChangeN/A

Market Cap17.83B

Analysts72.73

Price Target19.82 (-7.38%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.27%

Yearly Dividend1.38

Dividend Growth(5Y)24.1%

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)0

Avg Revenue beat(2)-1.92%

Min Revenue beat(2)-3.63%

Max Revenue beat(2)-0.2%

Revenue beat(4)1

Avg Revenue beat(4)-0.37%

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)3.86%

PT rev (3m)11.8%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)1.24%

Revenue NY rev (3m)1.24%

Valuation

		Industry Rank	Sector Rank
PE	20.38
Fwd PE	13.84
P/S	3.13
P/FCF	N/A
P/OCF	N/A
P/B	1.59
P/tB	1.59
EV/EBITDA	N/A

EPS(TTM)1.05

EY4.91%

EPS(NY)1.55

Fwd EY7.23%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS6.84

BVpS13.42

TBVpS13.42

PEG (NY)1.07

PEG (5Y)4.7

Profitability

		Industry Rank	Sector Rank
ROA	1.92%
ROE	17.82%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	34.96%
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

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 3Y5.97%

PM growth 5Y9.17%

GM growth 3YN/A

GM growth 5YN/A

F-ScoreN/A

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	2.82
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

WACC5.22%

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)15.38%

EPS 3Y4.6%

EPS 5Y4.34%

EPS Q2Q%5.96%

EPS Next Y19.1%

EPS Next 2Y21.37%

EPS Next 3Y16.43%

EPS Next 5Y11.91%

Revenue 1Y (TTM)2.05%

Revenue growth 3Y4.97%

Revenue growth 5Y4.61%

Sales Q2Q%-2.87%

Revenue Next Year15.58%

Revenue Next 2Y13.49%

Revenue Next 3Y10.4%

Revenue Next 5Y8.17%

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 1YN/A

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1YN/A

OCF growth 3YN/A

OCF growth 5YN/A

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