The earnings call presented strong financial performance with significant growth in key areas such as net new money, consumer finance, and corporate investment banking. Challenges were noted in cost of funding and macroeconomic conditions, but overall, the company showed resilience and positive forward guidance.

Company Guidance -

Q1 2026

In the call, Alberto Nicola Nagel highlighted remarkable fiscal achievements, stating the year as the best in the company's history, with a significant commercial accomplishment backed by a robust franchise. Key metrics included EUR 11 billion in net new money, representing a 30% increase year-on-year, and an 8% rise in average loans in Corporate and Investment Banking (CIB) to EUR 1 billion. Consumer finance saw a 9% increase in loan production, contributing to a strong double-digit fee growth of 14% and resilient net interest income (NII), supported by a 9% increase in consumer finance trends. The cost of risk (CoR) was lower than expected, ending at 44 basis points compared to the forecasted 50-55 basis points, leading to a net profit increase of 4% and earnings per share (EPS) rise of 7%, buoyed by a concluded buyback and robust capital generation of 270 basis points, enabling a dividend increase. Total dividend reached EUR 1.15 per share, a 7% year-on-year increase, with a new buyback tranche of EUR 400 million approved. The net new money in the last quarter was a record EUR 3.8 billion, and the CoR decreased further to 35 basis points, enhancing net profit compared to the previous quarter. Over the past two years, total financial assets (TFA) grew by 13%, and asset under management (AUM)/asset under review (AUR) increased by 17%, despite a 5% reduction in risk-weighted assets (RWA), leading to profitable growth with revenue reaching EUR 3.7 billion, reflecting an average growth of 6% over the last two years. Gross operating profit (GOP) grew 8%, and the return on risk-weighted assets rose to 2.9% from 2.4% at the start of the plan. The cost-income ratio remained stable at 43%, supported by a steady EPS growth of 16% over the last four years and a 15% increase in dividends per share (DPS), with a return on tangible equity (ROTE) of 14% and a solid Tier 1 capital structure. The company plans to reach EUR 4.4 billion in revenue over the next three years, with an 8% recurring EPS increase and a transition to a full cash dividend policy, distributing EUR 5 billion in the next three years while maintaining a ROTE of 17% and Tier 1 capital at 15.5%.

Record Net New Money

EUR 11 billion of net new money, representing a 30% increase year-on-year.

Strong Growth in Consumer Finance

Consumer finance loans reached EUR 9 billion in a year, marking a 9% increase.

Increased Dividend

Total dividend increased to EUR 1.15 per share, up 7% year-on-year.

Improved Cost of Risk

Cost of risk ended at 44 basis points, better than the forecasted 50-55 basis points.

Growth in Wealth Management

Wealth Management fees increased by 13%, driven by a 13% growth in AUM.

Corporate Investment Banking Success

CIB revenue reached EUR 900 million, up 16% year-on-year, with advisory fees at an all-time high of EUR 300 million.

Strong ESG Performance

Reduced emissions intensity by 18% and received high ratings from key agencies.

Positive Outlook for 2026

Guidance for revenue at EUR 4.4 billion with 9% EPS growth and a 30% total yield.

Mediobanca (MDIBY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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MDIBY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 10, 2025	2026 (Q1)	- / -	0.866	―	―	―
Jul 31, 2025	2025 (Q4)	- / 0.92	0.866	5.66% (+0.05)
May 08, 2025	2025 (Q3)	- / -	0.79	―
Feb 10, 2025	2025 (Q2)	- / 0.87	0.79	10.00% (+0.08)
Nov 12, 2024	2025 (Q1)	- / -	0.608	―
Aug 01, 2024	2024 (Q4)	- / 0.87	0.608	42.43% (+0.26)
May 10, 2024	2024 (Q3)	- / -	0.669	―
Feb 09, 2024	2024 (Q2)	- / 0.79	0.669	18.09% (+0.12)
Oct 26, 2023	2024 (Q1)	- / -	0.496	―
Jul 27, 2023	2023 (Q4)	- / 0.61	0.496	22.58% (+0.11)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

MDIBY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 31, 2025	$22.27	$22.14	-0.58%
May 08, 2025	$21.06	$21.44	+1.80%
Feb 10, 2025	$16.73	$16.79	+0.36%
Nov 12, 2024	$15.90	$14.55	-8.49%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Mediobanca (MDIBY) report earnings?

Mediobanca (MDIBY) is schdueled to report earning on Nov 10, 2025, Before Open (Not Confirmed).

What is Mediobanca (MDIBY) earnings time?

Mediobanca (MDIBY) earnings time is at Nov 10, 2025, Before Open (Not Confirmed).

Where can I see when companies are reporting earnings?

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