MEDIOBANCA SPA (ME9.DE) Fundamental Analysis & Valuation

FRA:ME9 • IT0000062957

15.395 EUR
-0.91 (-5.55%)
Last: Mar 6, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This ME9.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

ME9 gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 116 industry peers in the Banks industry. There are concerns on the financial health of ME9 while its profitability can be described as average. ME9 is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. ME9.DE Profitability Analysis

1.1 Basic Checks

  • In the past year ME9 was profitable.
  • In the past 5 years ME9 has always been profitable.
  • In multiple years ME9 reported negative operating cash flow during the last 5 years.
ME9.DE Yearly Net Income VS EBIT VS OCF VS FCFME9.DE 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

  • Looking at the Return On Assets, with a value of 1.84%, ME9 belongs to the top of the industry, outperforming 93.10% of the companies in the same industry.
  • ME9's Return On Equity of 17.04% is amongst the best of the industry. ME9 outperforms 84.48% of its industry peers.
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
ME9.DE Yearly ROA, ROE, ROICME9.DE 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

  • ME9's Profit Margin of 33.96% is amongst the best of the industry. ME9 outperforms 84.48% of its industry peers.
  • In the last couple of years the Profit Margin of ME9 has grown nicely.
  • The Operating Margin and Gross Margin are not available for ME9 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
ME9.DE Yearly Profit, Operating, Gross MarginsME9.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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1

2. ME9.DE Health Analysis

2.1 Basic Checks

  • ME9 does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • ME9 has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for ME9 has been reduced compared to 5 years ago.
  • Compared to 1 year ago, ME9 has a worse debt to assets ratio.
ME9.DE Yearly Shares OutstandingME9.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
ME9.DE Yearly Total Debt VS Total AssetsME9.DE 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

  • A Debt/Equity ratio of 2.73 is on the high side and indicates that ME9 has dependencies on debt financing.
  • ME9's Debt to Equity ratio of 2.73 is on the low side compared to the rest of the industry. ME9 is outperformed by 72.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.73
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.69%
ME9.DE Yearly LT Debt VS Equity VS FCFME9.DE 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
ME9.DE Yearly Current Assets VS Current LiabilitesME9.DE 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. ME9.DE Growth Analysis

3.1 Past

  • ME9 shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.15%.
  • ME9 shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.80% yearly.
  • 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%-8.11%

3.2 Future

  • The Earnings Per Share is expected to grow by 3.34% on average over the next years.
  • ME9 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.17% yearly.
EPS Next Y3.43%
EPS Next 2Y5.45%
EPS Next 3Y5.01%
EPS Next 5Y3.34%
Revenue Next Year0.34%
Revenue Next 2Y2.76%
Revenue Next 3Y3.17%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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 decreasing.
ME9.DE Yearly Revenue VS EstimatesME9.DE 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
ME9.DE Yearly EPS VS EstimatesME9.DE 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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5

4. ME9.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 6.41, the valuation of ME9 can be described as very cheap.
  • ME9's Price/Earnings ratio is rather cheap when compared to the industry. ME9 is cheaper than 94.83% of the companies in the same industry.
  • ME9 is valuated cheaply when we compare the Price/Earnings ratio to 26.29, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 8.22, the valuation of ME9 can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, ME9 is valued cheaper than 88.79% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.60. ME9 is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.41
Fwd PE 8.22
ME9.DE Price Earnings VS Forward Price EarningsME9.DE 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
ME9.DE Per share dataME9.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)1.87
PEG (5Y)0.34
EPS Next 2Y5.45%
EPS Next 3Y5.01%

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

6

5. ME9.DE Dividend Analysis

5.1 Amount

  • ME9 has a Yearly Dividend Yield of 3.92%.
  • Compared to an average industry Dividend Yield of 4.56, ME9 has a dividend in line with its industry peers.
  • ME9's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.92%

5.2 History

  • The dividend of ME9 is nicely growing with an annual growth rate of 19.69%!
Dividend Growth(5Y)19.69%
Div Incr YearsN/A
Div Non Decr YearsN/A
ME9.DE Yearly Dividends per shareME9.DE Yearly Dividends per shareYearly Dividends per share 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • ME9 pays out 24.48% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of ME9 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP24.48%
EPS Next 2Y5.45%
EPS Next 3Y5.01%
ME9.DE Yearly Income VS Free CF VS DividendME9.DE 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
ME9.DE Dividend Payout.ME9.DE Dividend Payout, showing the Payout Ratio.ME9.DE Dividend Payout.PayoutRetained Earnings

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ME9.DE Fundamentals: All Metrics, Ratios and Statistics

MEDIOBANCA SPA

FRA:ME9 (3/6/2026, 7:00:00 PM)

15.395

-0.91 (-5.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-10
Earnings (Next)05-07
Inst Owners90.27%
Inst Owner ChangeN/A
Ins Owners7.85%
Ins Owner ChangeN/A
Market Cap12.52B
Revenue(TTM)5.74B
Net Income(TTM)1.95B
Analysts74.12
Price Target20.21 (31.28%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.92%
Yearly Dividend1.15
Dividend Growth(5Y)19.69%
DP24.48%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)2.2%
PT rev (3m)4.98%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-1.71%
EPS NY rev (3m)-0.95%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-3.37%
Revenue NY rev (3m)-3.08%
Valuation
Industry RankSector Rank
PE 6.41
Fwd PE 8.22
P/S 2.18
P/FCF N/A
P/OCF N/A
P/B 1.1
P/tB 1.1
EV/EBITDA N/A
EPS(TTM)2.4
EY15.59%
EPS(NY)1.87
Fwd EY12.17%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.06
BVpS14.06
TBVpS14.06
PEG (NY)1.87
PEG (5Y)0.34
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
WACC5.69%
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 Y3.43%
EPS Next 2Y5.45%
EPS Next 3Y5.01%
EPS Next 5Y3.34%
Revenue 1Y (TTM)0.14%
Revenue growth 3Y9.81%
Revenue growth 5Y8.94%
Sales Q2Q%-8.11%
Revenue Next Year0.34%
Revenue Next 2Y2.76%
Revenue Next 3Y3.17%
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 / ME9.DE FAQ

What is the fundamental rating for ME9 stock?

ChartMill assigns a fundamental rating of 3 / 10 to ME9.DE.


What is the valuation status for ME9 stock?

ChartMill assigns a valuation rating of 5 / 10 to MEDIOBANCA SPA (ME9.DE). This can be considered as Fairly Valued.


Can you provide the profitability details for MEDIOBANCA SPA?

MEDIOBANCA SPA (ME9.DE) has a profitability rating of 4 / 10.


What is the expected EPS growth for MEDIOBANCA SPA (ME9.DE) stock?

The Earnings per Share (EPS) of MEDIOBANCA SPA (ME9.DE) is expected to grow by 3.43% in the next year.


Can you provide the dividend sustainability for ME9 stock?

The dividend rating of MEDIOBANCA SPA (ME9.DE) is 6 / 10 and the dividend payout ratio is 24.48%.