MEDIOBANCA SPA (MB.MI) Stock Fundamental Analysis

BIT:MB • IT0000062957

18.47 EUR
-1.23 (-6.24%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

MB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 106 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.


Dividend Valuation Growth Profitability Health

4

1. Profitability

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

  • MB has a better Return On Assets (1.84%) than 93.58% of its industry peers.
  • Looking at the Return On Equity, with a value of 17.04%, MB belongs to the top of the industry, outperforming 86.24% 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 83.49% of the companies in the same industry.
  • In the last couple of years the Profit Margin of MB has grown nicely.
  • The Operating Margin and Gross Margin are not available for MB so they could not be analyzed.
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

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.
  • The debt/assets ratio for MB is higher compared to a year ago.
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

  • MB has a Debt/Equity ratio of 2.73. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 2.73, MB is doing worse than 70.64% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.73
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.77%
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. Growth

3.1 Past

  • MB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.15%.
  • Measured over the past years, MB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.80% on average per year.
  • The Revenue has been growing slightly by 0.14% in the past year.
  • The Revenue has been growing by 8.94% on average over the past years. This is quite good.
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.
  • MB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.53% yearly.
EPS Next Y5.24%
EPS Next 2Y6.74%
EPS Next 3Y4.89%
EPS Next 5Y3.34%
Revenue Next Year1.33%
Revenue Next 2Y3.15%
Revenue Next 3Y3.53%
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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.70, the valuation of MB can be described as very cheap.
  • MB's Price/Earnings ratio is rather cheap when compared to the industry. MB is cheaper than 91.74% of the companies in the same industry.
  • MB is valuated cheaply when we compare the Price/Earnings ratio to 27.07, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 9.62 indicates a reasonable valuation of MB.
  • Based on the Price/Forward Earnings ratio, MB is valued cheaply inside the industry as 88.07% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 28.05. MB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.7
Fwd PE 9.62
MB.MI Price Earnings VS Forward Price EarningsMB.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.47
PEG (5Y)0.41
EPS Next 2Y6.74%
EPS Next 3Y4.89%

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

5

5. Dividend

5.1 Amount

  • MB has a Yearly Dividend Yield of 3.20%.
  • Compared to an average industry Dividend Yield of 4.33, 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 3.2%

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.
  • MB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP24.48%
EPS Next 2Y6.74%
EPS Next 3Y4.89%
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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MEDIOBANCA SPA

BIT:MB (2/27/2026, 7:00:00 PM)

18.47

-1.23 (-6.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-10
Earnings (Next)05-07
Inst Owners92.33%
Inst Owner ChangeN/A
Ins Owners7.85%
Ins Owner ChangeN/A
Market Cap15.02B
Revenue(TTM)5.74B
Net Income(TTM)1.95B
Analysts75.29
Price Target19.91 (7.8%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.2%
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)2%
PT rev (3m)1.7%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.09%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.42%
Revenue NY rev (3m)-2.56%
Valuation
Industry RankSector Rank
PE 7.7
Fwd PE 9.62
P/S 2.62
P/FCF N/A
P/OCF N/A
P/B 1.31
P/tB 1.31
EV/EBITDA N/A
EPS(TTM)2.4
EY12.99%
EPS(NY)1.92
Fwd EY10.39%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.06
BVpS14.06
TBVpS14.06
PEG (NY)1.47
PEG (5Y)0.41
Graham Number27.55
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
WACC5.77%
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 Y5.24%
EPS Next 2Y6.74%
EPS Next 3Y4.89%
EPS Next 5Y3.34%
Revenue 1Y (TTM)0.14%
Revenue growth 3Y9.81%
Revenue growth 5Y8.94%
Sales Q2Q%81.67%
Revenue Next Year1.33%
Revenue Next 2Y3.15%
Revenue Next 3Y3.53%
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 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.


Can you provide the profitability details for MEDIOBANCA SPA?

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


How financially healthy is MEDIOBANCA SPA?

The financial health rating of MEDIOBANCA SPA (MB.MI) is 1 / 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 5.24% in the next year.