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BANCO DESIO E DELLA BRIANZA (BDB.MI) Stock Fundamental Analysis

BIT:BDB - Euronext Milan - IT0001041000 - Common Stock - Currency: EUR

7.71  -0.59 (-7.11%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to BDB. BDB was compared to 97 industry peers in the Banks industry. Both the profitability and financial health of BDB have multiple concerns. BDB does not seem to be growing, but still is valued expensively. Finally BDB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year BDB was profitable.
BDB had a negative operating cash flow in the past year.
In the past 5 years BDB has always been profitable.
In multiple years BDB reported negative operating cash flow during the last 5 years.
BDB.MI Yearly Net Income VS EBIT VS OCF VS FCFBDB.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200M 400M 600M 800M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.07%, BDB is in the better half of the industry, outperforming 73.20% of the companies in the same industry.
With a decent Return On Equity value of 14.08%, BDB is doing good in the industry, outperforming 76.29% of the companies in the same industry.
Industry RankSector Rank
ROA 1.07%
ROE 14.08%
ROIC N/A
ROA(3y)0.69%
ROA(5y)0.5%
ROE(3y)10.02%
ROE(5y)7.32%
ROIC(3y)N/A
ROIC(5y)N/A
BDB.MI Yearly ROA, ROE, ROICBDB.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15

1.3 Margins

The Profit Margin of BDB (20.59%) is comparable to the rest of the industry.
BDB's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for BDB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 20.59%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y96.2%
PM growth 5Y36.08%
GM growth 3YN/A
GM growth 5YN/A
BDB.MI Yearly Profit, Operating, Gross MarginsBDB.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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0

2. Health

2.1 Basic Checks

BDB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BDB remains at a similar level compared to 1 year ago.
BDB has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, BDB has a worse debt to assets ratio.
BDB.MI Yearly Shares OutstandingBDB.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M
BDB.MI Yearly Total Debt VS Total AssetsBDB.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B

2.2 Solvency

A Debt/Equity ratio of 3.64 is on the high side and indicates that BDB has dependencies on debt financing.
BDB's Debt to Equity ratio of 3.64 is on the low side compared to the rest of the industry. BDB is outperformed by 77.32% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.64
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.16%
BDB.MI Yearly LT Debt VS Equity VS FCFBDB.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BDB.MI Yearly Current Assets VS Current LiabilitesBDB.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

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2

3. Growth

3.1 Past

The earnings per share for BDB have decreased strongly by -56.08% in the last year.
Measured over the past years, BDB shows a very strong growth in Earnings Per Share. The EPS has been growing by 45.82% on average per year.
The Revenue for BDB has decreased by -15.50% in the past year. This is quite bad
Measured over the past years, BDB shows a small growth in Revenue. The Revenue has been growing by 7.85% on average per year.
EPS 1Y (TTM)-56.08%
EPS 3Y118.77%
EPS 5Y45.82%
EPS Q2Q%18.48%
Revenue 1Y (TTM)-15.5%
Revenue growth 3Y10.33%
Revenue growth 5Y7.85%
Sales Q2Q%-7.22%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
BDB.MI Yearly Revenue VS EstimatesBDB.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M

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2

4. Valuation

4.1 Price/Earnings Ratio

BDB is valuated cheaply with a Price/Earnings ratio of 5.11.
94.85% of the companies in the same industry are more expensive than BDB, based on the Price/Earnings ratio.
BDB is valuated cheaply when we compare the Price/Earnings ratio to 28.78, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 5.11
Fwd PE N/A
BDB.MI Price Earnings VS Forward Price EarningsBDB.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BDB.MI Per share dataBDB.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.11
EPS Next 2YN/A
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.72%, BDB is a good candidate for dividend investing.
BDB's Dividend Yield is comparable with the industry average which is at 5.42.
Compared to an average S&P500 Dividend Yield of 2.46, BDB pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.72%

5.2 History

On average, the dividend of BDB grows each year by 17.16%, which is quite nice.
Dividend Growth(5Y)17.16%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

BDB pays out 18.00% of its income as dividend. This is a sustainable payout ratio.
The dividend of BDB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP18%
EPS Next 2YN/A
EPS Next 3YN/A
BDB.MI Yearly Income VS Free CF VS DividendBDB.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200M 400M 600M 800M
BDB.MI Dividend Payout.BDB.MI Dividend Payout, showing the Payout Ratio.BDB.MI Dividend Payout.PayoutRetained Earnings

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BANCO DESIO E DELLA BRIANZA

BIT:BDB (4/28/2025, 3:14:03 PM)

7.71

-0.59 (-7.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05 2025-02-05
Earnings (Next)05-08 2025-05-08
Inst Owners6.05%
Inst Owner ChangeN/A
Ins Owners7.38%
Ins Owner ChangeN/A
Market Cap1.04B
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.72%
Yearly Dividend0.2
Dividend Growth(5Y)17.16%
DP18%
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 5.11
Fwd PE N/A
P/S 1.09
P/FCF N/A
P/OCF N/A
P/B 0.74
P/tB 0.76
EV/EBITDA N/A
EPS(TTM)1.51
EY19.58%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-6.21
FCFYN/A
OCF(TTM)-6.08
OCFYN/A
SpS7.1
BVpS10.39
TBVpS10.08
PEG (NY)N/A
PEG (5Y)0.11
Profitability
Industry RankSector Rank
ROA 1.07%
ROE 14.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.59%
GM N/A
FCFM N/A
ROA(3y)0.69%
ROA(5y)0.5%
ROE(3y)10.02%
ROE(5y)7.32%
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 3Y96.2%
PM growth 5Y36.08%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 3.64
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.78%
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-Score2
WACC5.16%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.39%
Cap/Sales(5y)1.18%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-56.08%
EPS 3Y118.77%
EPS 5Y45.82%
EPS Q2Q%18.48%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-15.5%
Revenue growth 3Y10.33%
Revenue growth 5Y7.85%
Sales Q2Q%-7.22%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
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-3499.73%
FCF growth 3YN/A
FCF growth 5Y101.53%
OCF growth 1Y-2831.43%
OCF growth 3YN/A
OCF growth 5Y92.59%