BANCA MEDIOLANUM SPA(BIT:BMED) stock Fundamental Analysis

Fundamental Rating

BMED gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 50 industry peers in the Financial Services industry. Both the profitability and financial health of BMED have multiple concerns. BMED has a decent growth rate and is not valued too expensively. Finally BMED also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

BMED had positive earnings in the past year.

Each year in the past 5 years BMED has been profitable.

The reported operating cash flow has been mixed in the past 5 years: BMED reported negative operating cash flow in multiple years.

1.2 Ratios

With a Return On Assets value of 1.82%, BMED perfoms like the industry average, outperforming 44.00% of the companies in the same industry.

BMED's Return On Equity of 38.86% is amongst the best of the industry. BMED outperforms 88.00% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.82%
ROE	38.86%
ROIC	N/A

ROA(3y)0.99%

ROA(5y)0.94%

ROE(3y)22.42%

ROE(5y)21.57%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BMED has a better Profit Margin (18.59%) than 62.00% of its industry peers.

BMED's Profit Margin has improved in the last couple of years.

The Operating Margin and Gross Margin are not available for BMED so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	18.59%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y46.36%

PM growth 5Y31.08%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BMED does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, BMED has less shares outstanding

The number of shares outstanding for BMED has been increased compared to 5 years ago.

BMED has a better debt/assets ratio than last year.

2.2 Solvency

BMED has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.

With an excellent Debt to Equity ratio value of 0.08, BMED belongs to the best of the industry, outperforming 82.00% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.08
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC7.09%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BMED shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 29.72%, which is quite impressive.

Measured over the past years, BMED shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.63% on average per year.

The Revenue has grown by 26.83% in the past year. This is a very strong growth!

BMED shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -12.54% yearly.

EPS 1Y (TTM)29.72%

EPS 3Y16.29%

EPS 5Y14.63%

EPS Q2Q%47.79%

Revenue 1Y (TTM)26.83%

Revenue growth 3Y-20.59%

Revenue growth 5Y-12.54%

Sales Q2Q%306.85%

3.2 Future

BMED is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -3.50% yearly.

BMED is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.50% yearly.

EPS Next Y-14.18%

EPS Next 2Y-6.67%

EPS Next 3Y-3.5%

EPS Next 5YN/A

Revenue Next Year-3.16%

Revenue Next 2Y2.44%

Revenue Next 3Y2.5%

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 accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 6.59, the valuation of BMED can be described as very cheap.

BMED's Price/Earnings ratio is rather cheap when compared to the industry. BMED is cheaper than 82.00% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 29.35. BMED is valued rather cheaply when compared to this.

A Price/Forward Earnings ratio of 11.23 indicates a reasonable valuation of BMED.

Based on the Price/Forward Earnings ratio, BMED is valued a bit cheaper than the industry average as 66.00% of the companies are valued more expensively.

BMED is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	6.59
Fwd PE	11.23

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as BMED's earnings are expected to decrease with -3.50% in the coming years.

PEG (NY)N/A

PEG (5Y)0.45

EPS Next 2Y-6.67%

EPS Next 3Y-3.5%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.25%, BMED is a good candidate for dividend investing.

BMED's Dividend Yield is rather good when compared to the industry average which is at 3.76. BMED pays more dividend than 94.00% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.33, BMED pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.25%

5.2 History

The dividend of BMED is nicely growing with an annual growth rate of 6.25%!

Dividend Growth(5Y)6.25%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

DP0%

EPS Next 2Y-6.67%

EPS Next 3Y-3.5%

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BANCA MEDIOLANUM SPA

BIT:BMED (3/7/2025, 7:00:00 PM)

13.91

+0.11 (+0.8%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)02-06 2025-02-06/amc

Earnings (Next)05-07 2025-05-07

Inst Owners9.82%

Inst Owner ChangeN/A

Ins Owners40.28%

Ins Owner ChangeN/A

Market Cap10.37B

Analysts87.06

Price Target14.62 (5.1%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.25%

Yearly Dividend0.54

Dividend Growth(5Y)6.25%

DP0%

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)1

Avg Revenue beat(2)40.46%

Min Revenue beat(2)-20.91%

Max Revenue beat(2)101.83%

Revenue beat(4)1

Avg Revenue beat(4)10.99%

Min Revenue beat(4)-23.99%

Max Revenue beat(4)101.83%

Revenue beat(8)1

Avg Revenue beat(8)-1.7%

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)6.26%

PT rev (3m)11.57%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0.56%

EPS NY rev (3m)1.53%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.35%

Revenue NY rev (3m)1.47%

Valuation

		Industry Rank	Sector Rank
PE	6.59
Fwd PE	11.23
P/S	1.23
P/FCF	N/A
P/OCF	N/A
P/B	2.58
P/tB	2.72
EV/EBITDA	N/A

EPS(TTM)2.11

EY15.17%

EPS(NY)1.24

Fwd EY8.9%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS11.29

BVpS5.4

TBVpS5.12

PEG (NY)N/A

PEG (5Y)0.45

Profitability

		Industry Rank	Sector Rank
ROA	1.82%
ROE	38.86%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	18.59%
GM	N/A
FCFM	N/A

ROA(3y)0.99%

ROA(5y)0.94%

ROE(3y)22.42%

ROE(5y)21.57%

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 3Y46.36%

PM growth 5Y31.08%

GM growth 3YN/A

GM growth 5YN/A

F-ScoreN/A

Asset Turnover0.1

Health

		Industry Rank	Sector Rank
Debt/Equity	0.08
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

WACC7.09%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)29.72%

EPS 3Y16.29%

EPS 5Y14.63%

EPS Q2Q%47.79%

EPS Next Y-14.18%

EPS Next 2Y-6.67%

EPS Next 3Y-3.5%

EPS Next 5YN/A

Revenue 1Y (TTM)26.83%

Revenue growth 3Y-20.59%

Revenue growth 5Y-12.54%

Sales Q2Q%306.85%

Revenue Next Year-3.16%

Revenue Next 2Y2.44%

Revenue Next 3Y2.5%

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 1YN/A

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1YN/A

OCF growth 3YN/A

OCF growth 5YN/A

BANCA MEDIOLANUM SPA (BMED.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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