MEDIOBANCA SPA (ME9.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ME9 - IT0000062957 - Common Stock
17.48 EUR
+0.12 (+0.66%)
ME9 gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 111 industry peers in the Banks industry. While ME9 is still in line with the averages on profitability rating, there are concerns on its financial health. ME9 has a decent growth rate and is not valued too expensively. ME9 also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- ME9 had positive earnings in the past year.
- In the past year ME9 has reported a negative cash flow from operations.
- ME9 had positive earnings in each of the past 5 years.
- The reported operating cash flow has been mixed in the past 5 years: ME9 reported negative operating cash flow in multiple years.
1.2 Ratios
- ME9's Return On Assets of 1.92% is amongst the best of the industry. ME9 outperforms 93.86% of its industry peers.
- ME9 has a Return On Equity of 17.82%. This is amongst the best in the industry. ME9 outperforms 88.60% 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
- ME9 has a better Profit Margin (33.78%) than 85.96% 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 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
- 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.
- Compared to 5 years ago, ME9 has less shares outstanding
- Compared to 1 year ago, ME9 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 ME9 has dependencies on debt financing.
- ME9 has a Debt to Equity ratio of 4.37. This is amonst the worse of the industry: ME9 underperforms 85.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.37 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.75%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- ME9 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.38%, which is quite good.
- ME9 shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.34% yearly.
- Looking at the last year, ME9 shows a small growth in Revenue. The Revenue has grown by 5.63% in the last year.
- ME9 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%-52.5%
3.2 Future
- The Earnings Per Share is expected to grow by 12.82% on average over the next years. This is quite good.
- ME9 is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.01% yearly.
EPS Next Y19.1%
EPS Next 2Y21.37%
EPS Next 3Y17.06%
EPS Next 5Y12.82%
Revenue Next Year15.58%
Revenue Next 2Y13.49%
Revenue Next 3Y10.4%
Revenue Next 5Y8.01%
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
- The Price/Earnings ratio is 16.65, which indicates a correct valuation of ME9.
- Compared to the rest of the industry, the Price/Earnings ratio of ME9 indicates a rather expensive valuation: ME9 more expensive than 89.47% of the companies listed in the same industry.
- ME9 is valuated rather cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- ME9 is valuated reasonably with a Price/Forward Earnings ratio of 11.30.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of ME9 is on the same level as its industry peers.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, ME9 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.65 | ||
| Fwd PE | 11.3 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The 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 ME9's earnings are expected to grow with 17.06% in the coming years.
PEG (NY)0.87
PEG (5Y)3.84
EPS Next 2Y21.37%
EPS Next 3Y17.06%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 6.39%, ME9 is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 4.03, ME9 pays a better dividend. On top of this ME9 pays more dividend than 85.09% of the companies listed in the same industry.
- ME9's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.39% |
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
5.3 Sustainability
- ME9 pays out 47.29% of its income as dividend. This is a bit on the high side, but may be sustainable.
- ME9's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP47.29%
EPS Next 2Y21.37%
EPS Next 3Y17.06%
FRA:ME9 (1/16/2026, 7:00:00 PM)
17.48
+0.12 (+0.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-05 2025-11-05
Earnings (Next)02-10 2026-02-10
Inst Owners92.33%
Inst Owner ChangeN/A
Ins Owners7.85%
Ins Owner ChangeN/A
Market Cap14.22B
Revenue(TTM)5.90B
Net Income(TTM)1.99B
Analysts73.75
Price Target19.25 (10.13%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.39% |
Yearly Dividend1.15
Dividend Growth(5Y)19.69%
DP47.29%
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)1
Avg Revenue beat(2)-1.44%
Min Revenue beat(2)-3.63%
Max Revenue beat(2)0.75%
Revenue beat(4)2
Avg Revenue beat(4)26.1%
Min Revenue beat(4)-3.63%
Max Revenue beat(4)109.58%
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)0%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.77%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.3%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.65 | ||
| Fwd PE | 11.3 | ||
| P/S | 2.41 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.27 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.05
EY6.01%
EPS(NY)1.55
Fwd EY8.85%
FCF(TTM)-1.66
FCFYN/A
OCF(TTM)-1.48
OCFYN/A
SpS7.26
BVpS13.75
TBVpS12.42
PEG (NY)0.87
PEG (5Y)3.84
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
WACC5.75%
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 5Y12.82%
Revenue 1Y (TTM)5.63%
Revenue growth 3Y4.97%
Revenue growth 5Y4.61%
Sales Q2Q%-52.5%
Revenue Next Year15.58%
Revenue Next 2Y13.49%
Revenue Next 3Y10.4%
Revenue Next 5Y8.01%
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 4 / 10 to ME9.DE.
What is the valuation status for ME9 stock?
ChartMill assigns a valuation rating of 3 / 10 to MEDIOBANCA SPA (ME9.DE). This can be considered as Overvalued.
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 19.1% in the next year.
Can you provide the dividend sustainability for ME9 stock?
The dividend rating of MEDIOBANCA SPA (ME9.DE) is 7 / 10 and the dividend payout ratio is 47.29%.