MB Fundamental Analysis - MEDIOBANCA SPA

Fundamental Rating

Taking everything into account, MB scores 3 out of 10 in our fundamental rating. MB was compared to 90 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

MB had positive earnings in the past year.

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

With an excellent Return On Assets value of 1.92%, MB belongs to the best of the industry, outperforming 94.44% of the companies in the same industry.

MB has a better Return On Equity (17.82%) than 92.22% 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

MB's Profit Margin of 34.96% is amongst the best of the industry. MB outperforms 86.67% of its industry peers.

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

The Operating Margin and Gross Margin are not available for MB so they could not be analyzed.

		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.

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

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

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

2.2 Solvency

MB has a Debt/Equity ratio of 2.82. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 2.82, MB is not doing good in the industry: 66.67% of the companies in the same industry are doing better.

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

ROIC/WACCN/A

WACC5.3%

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 15.38%, which is quite good.

MB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.34% yearly.

The Revenue has been growing slightly by 2.05% in the past year.

The Revenue has been growing slightly by 4.61% on average over the past years.

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

The Earnings Per Share is expected to grow by 13.29% on average over the next years. This is quite good.

MB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.16% yearly.

EPS Next Y19.1%

EPS Next 2Y21.37%

EPS Next 3Y17.06%

EPS Next 5Y13.29%

Revenue Next Year15.58%

Revenue Next 2Y13.49%

Revenue Next 3Y10.4%

Revenue Next 5Y8.16%

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 accelerating.

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

With a Price/Earnings ratio of 20.95, MB is valued on the expensive side.

Based on the Price/Earnings ratio, MB is valued expensively inside the industry as 90.00% of the companies are valued cheaper.

When comparing the Price/Earnings ratio of MB to the average of the S&P500 Index (27.30), we can say MB is valued slightly cheaper.

The Price/Forward Earnings ratio is 14.22, which indicates a correct valuation of MB.

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 76.67% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.73. MB is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	20.95
Fwd PE	14.22

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 17.06% in the coming years. This may justify a more expensive valuation.

PEG (NY)1.1

PEG (5Y)4.83

EPS Next 2Y21.37%

EPS Next 3Y17.06%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.26%, MB is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.03, MB has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.41, MB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.26%

5.2 History

The dividend of MB is nicely growing with an annual growth rate of 24.10%!

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 3Y17.06%

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MEDIOBANCA SPA

BIT:MB (9/12/2025, 7:00:00 PM)

+0.72 (+3.38%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)11-10 2025-11-10

Inst Owners21.09%

Inst Owner ChangeN/A

Ins Owners7.66%

Ins Owner ChangeN/A

Market Cap17.89B

Analysts74.12

Price Target20.12 (-8.55%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.26%

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)1.52%

PT rev (3m)8.34%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)2.01%

EPS NY rev (3m)2.01%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-0.17%

Revenue NY rev (3m)1.06%

Valuation

		Industry Rank	Sector Rank
PE	20.95
Fwd PE	14.22
P/S	3.14
P/FCF	N/A
P/OCF	N/A
P/B	1.6
P/tB	1.6
EV/EBITDA	N/A

EPS(TTM)1.05

EY4.77%

EPS(NY)1.55

Fwd EY7.03%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS7.01

BVpS13.75

TBVpS13.75

PEG (NY)1.1

PEG (5Y)4.83

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

WACC5.3%

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 3Y17.06%

EPS Next 5Y13.29%

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 5Y8.16%

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