MEDIOBANCA SPA(BIT:MB) stock Fundamental Analysis

Fundamental Rating

MB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 95 industry peers in the Banks industry. While MB is still in line with the averages on profitability rating, there are concerns on its financial health. MB is quite expensive at the moment. It does show a decent growth rate. MB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

MB had positive earnings in the past year.

In the past year MB has reported a negative cash flow from operations.

MB had positive earnings in each of the past 5 years.

In multiple years MB reported negative operating cash flow during the last 5 years.

1.2 Ratios

With an excellent Return On Assets value of 1.99%, MB belongs to the best of the industry, outperforming 94.74% of the companies in the same industry.

MB's Return On Equity of 17.68% is amongst the best of the industry. MB outperforms 90.53% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.99%
ROE	17.68%
ROIC	N/A

ROA(3y)1.14%

ROA(5y)1.03%

ROE(3y)9.67%

ROE(5y)8.51%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

MB's Profit Margin of 34.24% is amongst the best of the industry. MB outperforms 88.42% of its industry peers.

In the last couple of years the Profit Margin of MB has remained more or less at the same level.

MB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	34.24%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y4.77%

PM growth 5Y1.38%

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

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

The number of shares outstanding for MB has been reduced compared to 1 year ago.

The number of shares outstanding for MB has been reduced compared to 5 years ago.

The debt/assets ratio for MB is higher compared to a year ago.

2.2 Solvency

MB has a Debt/Equity ratio of 4.11. This is a high value indicating a heavy dependency on external financing.

MB has a Debt to Equity ratio of 4.11. This is in the lower half of the industry: MB underperforms 78.95% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.11
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.4%

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

The Earnings Per Share has grown by an impressive 21.58% over the past year.

Measured over the past years, MB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.21% on average per year.

MB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.75%.

The Revenue has been growing slightly by 7.64% on average over the past years.

EPS 1Y (TTM)21.58%

EPS 3Y18.01%

EPS 5Y10.21%

EPS Q2Q%33.33%

Revenue 1Y (TTM)11.75%

Revenue growth 3Y11.09%

Revenue growth 5Y7.64%

Sales Q2Q%13.4%

3.2 Future

The Earnings Per Share is expected to grow by 4.51% on average over the next years.

MB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.63% yearly.

EPS Next Y7.14%

EPS Next 2Y7.17%

EPS Next 3Y6.02%

EPS Next 5Y4.51%

Revenue Next Year3.77%

Revenue Next 2Y4.13%

Revenue Next 3Y3.85%

Revenue Next 5Y2.63%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.93, the valuation of MB can be described as reasonable.

Based on the Price/Earnings ratio, MB is valued a bit more expensive than 71.58% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 28.79, MB is valued rather cheaply.

MB is valuated reasonably with a Price/Forward Earnings ratio of 9.90.

MB's Price/Forward Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.38, MB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.93
Fwd PE	9.9

4.2 Price Multiples

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

4.3 Compensation for Growth

MB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.53

PEG (5Y)1.07

EPS Next 2Y7.17%

EPS Next 3Y6.02%

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5. Dividend

5.1 Amount

MB has a Yearly Dividend Yield of 6.48%, which is a nice return.

MB's Dividend Yield is rather good when compared to the industry average which is at 5.47. MB pays more dividend than 82.11% of the companies in the same industry.

MB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	6.48%

5.2 History

The dividend of MB is nicely growing with an annual growth rate of 24.10%!

Dividend Growth(5Y)24.1%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

MB pays out 45.11% of its income as dividend. This is a bit on the high side, but may be sustainable.

The dividend of MB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP45.11%

EPS Next 2Y7.17%

EPS Next 3Y6.02%

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MEDIOBANCA SPA

BIT:MB (4/25/2025, 7:00:00 PM)

17.59

+1.09 (+6.61%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-10 2025-02-10/amc

Earnings (Next)05-08 2025-05-08

Inst Owners25.13%

Inst Owner ChangeN/A

Ins Owners9.98%

Ins Owner ChangeN/A

Market Cap14.66B

Analysts72.73

Price Target17.54 (-0.28%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.48%

Yearly Dividend1.38

Dividend Growth(5Y)24.1%

DP45.11%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.84%

Min EPS beat(2)-2.91%

Max EPS beat(2)4.58%

EPS beat(4)3

Avg EPS beat(4)4.6%

Min EPS beat(4)-2.91%

Max EPS beat(4)12.43%

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)1.17%

Min Revenue beat(2)-3.66%

Max Revenue beat(2)6.01%

Revenue beat(4)2

Avg Revenue beat(4)0.89%

Min Revenue beat(4)-3.66%

Max Revenue beat(4)6.01%

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)0.45%

PT rev (3m)8.09%

EPS NQ rev (1m)-3.75%

EPS NQ rev (3m)-3.27%

EPS NY rev (1m)-0.39%

EPS NY rev (3m)-1.83%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.56%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.29%

Valuation

		Industry Rank	Sector Rank
PE	10.93
Fwd PE	9.9
P/S	2.53
P/FCF	N/A
P/OCF	N/A
P/B	1.3
P/tB	1.44
EV/EBITDA	N/A

EPS(TTM)1.61

EY9.15%

EPS(NY)1.78

Fwd EY10.1%

FCF(TTM)-1.86

FCFYN/A

OCF(TTM)-1.73

OCFYN/A

SpS6.96

BVpS13.48

TBVpS12.21

PEG (NY)1.53

PEG (5Y)1.07

Profitability

		Industry Rank	Sector Rank
ROA	1.99%
ROE	17.68%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	34.24%
GM	N/A
FCFM	N/A

ROA(3y)1.14%

ROA(5y)1.03%

ROE(3y)9.67%

ROE(5y)8.51%

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 3Y4.77%

PM growth 5Y1.38%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	4.11
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.91%
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-Score5

WACC5.4%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)2.17%

Cap/Sales(5y)2.07%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)21.58%

EPS 3Y18.01%

EPS 5Y10.21%

EPS Q2Q%33.33%

EPS Next Y7.14%

EPS Next 2Y7.17%

EPS Next 3Y6.02%

EPS Next 5Y4.51%

Revenue 1Y (TTM)11.75%

Revenue growth 3Y11.09%

Revenue growth 5Y7.64%

Sales Q2Q%13.4%

Revenue Next Year3.77%

Revenue Next 2Y4.13%

Revenue Next 3Y3.85%

Revenue Next 5Y2.63%

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-125.88%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-123.7%

OCF growth 3YN/A

OCF growth 5Y102.52%

MEDIOBANCA SPA (MB.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

More info and screens