MEDIOBANCA SPA (MB.MI) Stock Fundamental Analysis
Europe - BIT:MB - IT0000062957 - Common Stock
16.495 EUR
+0.14 (+0.89%)
We assign a fundamental rating of 4 out of 10 to MB. MB was compared to 96 industry peers in the Banks industry. MB has a medium profitability rating, but doesn't score so well on its financial health evaluation. MB has a correct valuation and a medium growth rate. MB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year MB was profitable.
MB had a negative operating cash flow in the past year.
MB had positive earnings in each of the past 5 years.
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 93.68% 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 89.47% 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 84.21% of its industry peers.
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 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.
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.
Compared to 1 year ago, MB has a worse debt to assets ratio.
2.2 Solvency
MB has a Debt/Equity ratio of 4.37. This is a high value indicating a heavy dependency on external financing.
MB's Debt to Equity ratio of 4.37 is on the low side compared to the rest of the industry. MB is outperformed by 85.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.37 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.29%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
The Earnings Per Share has been growing slightly by 4.34% on average over the past years.
The Revenue has been growing slightly by 5.63% in the past 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%4.36%
Revenue 1Y (TTM)5.63%
Revenue growth 3Y4.97%
Revenue growth 5Y4.61%
Sales Q2Q%-2.87%
3.2 Future
The Earnings Per Share is expected to grow by 12.48% 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 7.97% yearly.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 15.71, the valuation of MB can be described as correct.
88.42% of the companies in the same industry are cheaper than MB, based on the Price/Earnings ratio.
MB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.06.
MB is valuated reasonably with a Price/Forward Earnings ratio of 10.66.
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 32.73, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.71 | ||
| Fwd PE | 10.66 |
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)0.82
PEG (5Y)3.62
EPS Next 2Y21.37%
EPS Next 3Y17.06%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.03%, MB is a good candidate for dividend investing.
The stock price of MB dropped by -21.79% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 4.84, MB pays a better dividend. On top of this MB pays more dividend than 86.32% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.37, MB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.03% |
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
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 (11/7/2025, 7:00:00 PM)
16.495
+0.14 (+0.89%)
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 Cap13.42B
Revenue(TTM)5.90B
Net Income(TTM)1.99B
Analysts49.33
Price Target19.01 (15.25%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.03% |
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)-5.54%
PT rev (3m)-4.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.41%
EPS NY rev (3m)-0.12%
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 | 15.71 | ||
| Fwd PE | 10.66 | ||
| P/S | 2.27 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.2 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.05
EY6.37%
EPS(NY)1.55
Fwd EY9.38%
FCF(TTM)-1.66
FCFYN/A
OCF(TTM)-1.48
OCFYN/A
SpS7.26
BVpS13.75
TBVpS12.42
PEG (NY)0.82
PEG (5Y)3.62
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
WACC5.29%
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%.