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

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

7.6  +0.04 (+0.53%)

Fundamental Rating

2

BDB gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 99 industry peers in the Banks industry. BDB may be in some trouble as it scores bad on both profitability and health. BDB is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

BDB had positive earnings in the past year.
In the past year BDB has reported a negative cash flow from operations.
Each year in the past 5 years BDB has been profitable.
The reported operating cash flow has been mixed in the past 5 years: BDB reported negative operating cash flow in multiple 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

With a decent Return On Assets value of 1.07%, BDB is doing good in the industry, outperforming 70.97% of the companies in the same industry.
BDB has a better Return On Equity (14.08%) than 74.19% of its industry peers.
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

BDB has a Profit Margin (20.59%) which 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.
Compared to 1 year ago, BDB has about the same amount of shares outstanding.
The number of shares outstanding for BDB has been increased compared to 5 years ago.
The debt/assets ratio for BDB is higher compared to a year ago.
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

BDB has a Debt/Equity ratio of 3.64. This is a high value indicating a heavy dependency on external financing.
BDB has a Debt to Equity ratio of 3.64. This is in the lower half of the industry: BDB underperforms 77.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.64
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC4.88%
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

BDB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -56.08%.
The Earnings Per Share has been growing by 45.82% on average over the past years. This is a very strong growth
Looking at the last year, BDB shows a very negative growth in Revenue. The Revenue has decreased by -15.50% in the last year.
BDB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.85% yearly.
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
BDB.MI Yearly EPS VS EstimatesBDB.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 5.03, which indicates a rather cheap valuation of BDB.
Based on the Price/Earnings ratio, BDB is valued cheaper than 92.47% of the companies in the same industry.
BDB is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 5.03
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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5. Dividend

5.1 Amount

BDB has a Yearly Dividend Yield of 3.48%.
Compared to an average industry Dividend Yield of 5.06, BDB is paying slightly less dividend.
BDB's Dividend Yield is a higher than the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 3.48%

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.
BDB's earnings are growing more than its dividend. This makes the dividend growth 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 (3/7/2025, 7:00:00 PM)

7.6

+0.04 (+0.53%)

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 Cap1.02B
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.48%
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 5.03
Fwd PE N/A
P/S 1.07
P/FCF N/A
P/OCF N/A
P/B 0.73
P/tB 0.75
EV/EBITDA N/A
EPS(TTM)1.51
EY19.87%
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
WACC4.88%
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%