MB Fundamental Analysis - MEDIOBANCA SPA

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to MB. MB was compared to 94 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 quite expensive at the moment. It does show a decent growth rate. MB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year MB was profitable.

MB had a negative operating cash flow in the past year.

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.

1.2 Ratios

MB has a better Return On Assets (1.99%) than 95.74% of its industry peers.

MB's Return On Equity of 17.68% is amongst the best of the industry. MB outperforms 89.36% 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

The Profit Margin of MB (34.24%) is better than 87.23% of its industry peers.

MB's Profit Margin has been stable 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)	34.24%
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.

The number of shares outstanding for MB has been reduced compared to 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 81.91% of its industry peers.

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

ROIC/WACCN/A

WACC5.48%

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.

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 grown by 9.24% 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 4.61% yearly.

EPS 1Y (TTM)15.38%

EPS 3Y4.6%

EPS 5Y4.34%

EPS Q2Q%2.56%

Revenue 1Y (TTM)9.24%

Revenue growth 3Y4.97%

Revenue growth 5Y4.61%

Sales Q2Q%2.52%

3.2 Future

The Earnings Per Share is expected to grow by 11.91% on average over the next years. This is quite good.

MB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.78% 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 3Y10.14%

Revenue Next 5Y7.78%

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 12.33, MB is valued correctly.

75.53% of the companies in the same industry are cheaper than MB, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of MB to the average of the S&P500 Index (26.55), we can say MB is valued rather cheaply.

With a Price/Forward Earnings ratio of 12.91, MB is valued correctly.

MB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. MB is more expensive than 74.47% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of MB to the average of the S&P500 Index (22.30), we can say MB is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	12.33
Fwd PE	12.91

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.

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

PEG (NY)0.65

PEG (5Y)2.84

EPS Next 2Y21.37%

EPS Next 3Y16.43%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.61%, MB is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 4.98, MB pays a bit more dividend than its industry peers.

MB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	5.61%

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 2Y21.37%

EPS Next 3Y16.43%

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MEDIOBANCA SPA

BIT:MB (6/6/2025, 7:00:00 PM)

19.975

+0.03 (+0.13%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-09 2025-05-09/bmo

Earnings (Next)07-29 2025-07-29/amc

Inst Owners25.13%

Inst Owner ChangeN/A

Ins Owners9.98%

Ins Owner ChangeN/A

Market Cap16.64B

Analysts72.73

Price Target18.58 (-6.98%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.61%

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)5.88%

PT rev (3m)7.12%

EPS NQ rev (1m)-1.3%

EPS NQ rev (3m)-4.52%

EPS NY rev (1m)0%

EPS NY rev (3m)-0.39%

Revenue NQ rev (1m)-0.26%

Revenue NQ rev (3m)-0.89%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.03%

Valuation

		Industry Rank	Sector Rank
PE	12.33
Fwd PE	12.91
P/S	2.87
P/FCF	N/A
P/OCF	N/A
P/B	1.48
P/tB	1.64
EV/EBITDA	N/A

EPS(TTM)1.62

EY8.11%

EPS(NY)1.55

Fwd EY7.74%

FCF(TTM)-1.86

FCFYN/A

OCF(TTM)-1.73

OCFYN/A

SpS6.96

BVpS13.48

TBVpS12.21

PEG (NY)0.65

PEG (5Y)2.84

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

WACC5.48%

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)15.38%

EPS 3Y4.6%

EPS 5Y4.34%

EPS Q2Q%2.56%

EPS Next Y19.1%

EPS Next 2Y21.37%

EPS Next 3Y16.43%

EPS Next 5Y11.91%

Revenue 1Y (TTM)9.24%

Revenue growth 3Y4.97%

Revenue growth 5Y4.61%

Sales Q2Q%2.52%

Revenue Next Year15.58%

Revenue Next 2Y13.49%

Revenue Next 3Y10.14%

Revenue Next 5Y7.78%

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