MEDIOBANCA SPA (MB.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:MB - IT0000062957 - Common Stock
16.265 EUR
-0.3 (-1.84%)
Taking everything into account, MB scores 4 out of 10 in our fundamental rating. MB was compared to 108 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. MB is not valued too expensively and it also shows a decent growth rate. MB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
MB had positive earnings in the past year.
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
Looking at the Return On Assets, with a value of 1.92%, MB belongs to the top of the industry, outperforming 91.67% of the companies in the same industry.
MB has a Return On Equity of 17.82%. This is amongst the best in the industry. MB outperforms 86.11% 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 has a better Profit Margin (33.78%) than 83.33% 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) | 33.78% | ||
| 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
2. Health
2.1 Basic Checks
MB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, MB has less shares outstanding
Compared to 5 years ago, MB has less shares outstanding
Compared to 1 year ago, MB has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 4.37 is on the high side and indicates that MB has dependencies on debt financing.
The Debt to Equity ratio of MB (4.37) is worse than 87.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.37 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.56%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.38% over the past year.
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 5.63% in the past year.
Measured over the past years, MB shows a small growth in Revenue. The Revenue has been growing by 4.61% on average per year.
EPS 1Y (TTM)15.38%
EPS 3Y4.6%
EPS 5Y4.34%
EPS Q2Q%4.36%
Revenue 1Y (TTM)5.63%
Revenue growth 3Y4.97%
Revenue growth 5Y4.61%
Sales Q2Q%-2.87%
3.2 Future
MB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.48% yearly.
Based on estimates for the next years, MB will show a small growth in Revenue. The Revenue will grow by 7.97% on average per year.
EPS Next Y19.1%
EPS Next 2Y21.37%
EPS Next 3Y17.06%
EPS Next 5Y12.48%
Revenue Next Year15.58%
Revenue Next 2Y13.49%
Revenue Next 3Y10.4%
Revenue Next 5Y7.97%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 15.49, the valuation of MB can be described as correct.
Based on the Price/Earnings ratio, MB is valued more expensive than 87.96% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.46, MB is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 10.52, the valuation of MB can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MB is on the same level as its industry peers.
MB is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.49 | ||
| Fwd PE | 10.52 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
MB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as MB's earnings are expected to grow with 17.06% in the coming years.
PEG (NY)0.81
PEG (5Y)3.57
EPS Next 2Y21.37%
EPS Next 3Y17.06%
5. Dividend
5.1 Amount
MB has a Yearly Dividend Yield of 6.87%, which is a nice return.
MB's Dividend Yield is rather good when compared to the industry average which is at 4.70. MB pays more dividend than 86.11% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, MB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.87% |
5.2 History
The dividend of MB is nicely growing with an annual growth rate of 19.69%!
Dividend Growth(5Y)19.69%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
47.29% 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.
DP47.29%
EPS Next 2Y21.37%
EPS Next 3Y17.06%
BIT:MB (12/5/2025, 7:00:00 PM)
16.265
-0.3 (-1.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners22.05%
Inst Owner ChangeN/A
Ins Owners7.85%
Ins Owner ChangeN/A
Market Cap13.23B
Revenue(TTM)5.90B
Net Income(TTM)1.99B
Analysts49.33
Price Target19.58 (20.38%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.87% |
Yearly Dividend1.15
Dividend Growth(5Y)19.69%
DP47.29%
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)-2.72%
PT rev (3m)0.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.41%
EPS NY rev (3m)-2.09%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.67%
Revenue NY rev (3m)-0.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.49 | ||
| Fwd PE | 10.52 | ||
| P/S | 2.24 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.18 | ||
| P/tB | 1.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.05
EY6.46%
EPS(NY)1.55
Fwd EY9.51%
FCF(TTM)-1.66
FCFYN/A
OCF(TTM)-1.48
OCFYN/A
SpS7.26
BVpS13.75
TBVpS12.42
PEG (NY)0.81
PEG (5Y)3.57
Graham Number18.03
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) | 33.78% | ||
| 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-Score3
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.37 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 2.47% | ||
| 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-Score3
WACC5.56%
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)15.38%
EPS 3Y4.6%
EPS 5Y4.34%
EPS Q2Q%4.36%
EPS Next Y19.1%
EPS Next 2Y21.37%
EPS Next 3Y17.06%
EPS Next 5Y12.48%
Revenue 1Y (TTM)5.63%
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 5Y7.97%
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 FAQ
What is the fundamental rating for MB stock?
ChartMill assigns a fundamental rating of 4 / 10 to MB.MI.
What is the valuation status for MB stock?
ChartMill assigns a valuation rating of 4 / 10 to MEDIOBANCA SPA (MB.MI). This can be considered as Fairly Valued.
Can you provide the profitability details for MEDIOBANCA SPA?
MEDIOBANCA SPA (MB.MI) has a profitability rating of 4 / 10.
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 19.1% in the next year.
Is the dividend of MEDIOBANCA SPA sustainable?
The dividend rating of MEDIOBANCA SPA (MB.MI) is 7 / 10 and the dividend payout ratio is 47.29%.