Banca Mediolanum SpA (BMED) AI Stock Analysis

• Market Cap: €10.83B
• Dividend Yield: 8.61%
• Average Volume (3M): 1.23M
• Price to Earnings (P/E): 9.5
• Beta (1Y): 1.02
• Revenue Growth: 21.55%
• EPS Growth: 36.51%
• Country: IT
• Employees: 3,871
• Sector: Financial
• Sector Strength: 77
• Industry: Banks - Regional
• EPS (TTM): 0.30
• Shares Outstanding: 745,372,400
• 10 Day Avg. Volume: 1,050,768
• 30 Day Avg. Volume: 1,233,714
• PEG Ratio: 4.66
• Price to Book (P/B): 2.43
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €16.68
• Price Target Upside: 13.91% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4

• Rating: 63 Neutral
• Price Target: ―

Banca Mediolanum SpA's overall performance is solid with strong financial performance, particularly in revenue growth and profitability. However, liquidity concerns due to cash flow volatility and weak technical indicators suggest caution. The stock's attractive valuation provides a potential upside.

Banca Mediolanum SpA Business Overview & Revenue Model

Company Description

Banca Mediolanum S.p.A. provides various banking products and services in Italy. The company offers current accounts and mortgages and loans. It also provides debit, credit, and prepaid cards; savings and investment products, such as equities and bonds, as well as trading services; and insurance and pension products and services. The company was founded in 1982 and is headquartered in Basiglio, Italy.

How the Company Makes Money

Banca Mediolanum SpA generates revenue through various streams, primarily from interest income on loans and mortgages, fees from asset management services, and insurance premiums. The bank earns interest income by lending money to individuals and businesses and charging an interest rate on these loans. Additionally, it collects fees from managing investment funds and providing personalized financial advisory services. The company's insurance arm contributes to revenue through the sale of life and non-life insurance products, collecting premiums from policyholders. Banca Mediolanum also invests in partnerships and leverages digital innovations to enhance service delivery and expand its market reach, further contributing to its earnings.

Banca Mediolanum SpA Financial Statement Overview

Summary

Banca Mediolanum SpA showcases strong profitability and revenue growth, supported by a robust equity structure and prudent debt management. However, incomplete cash flow data and historical cash flow volatility suggest potential liquidity concerns.

Income Statement

Banca Mediolanum SpA has demonstrated strong revenue growth with a significant increase from 2023 to 2024 and a consistently improving net profit margin, reflecting efficient operations and cost management. However, the absence of EBITDA data limits the assessment of operational cash generation capacity.

Balance Sheet

The company maintains a strong equity position with a high equity ratio, indicating stability. The debt-to-equity ratio is favorable, reflecting a conservative approach to leverage. Yet, the absence of total asset data for 2024 prevents a complete analysis of asset management efficiency.

Cash Flow

Cash flow analysis is constrained by limited data, notably in operating and free cash flows for 2024. Historical data shows volatility in cash flow generation, with periods of negative free cash flow, signaling potential liquidity risks.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.23B	1.99B	1.92B	1.46B	5.73B	3.11B
Gross Profit	2.07B	1.99B	1.87B	545.36M	4.81B	2.33B
EBITDA	1.19B	1.51B	-19.41M	741.41M	890.47M	531.42M
Net Income	1.14B	1.12B	821.87M	506.83M	713.05M	434.46M
Balance Sheet
Total Assets	86.14B	86.15B	77.83B	73.60B	73.52B	59.03B
Cash, Cash Equivalents and Short-Term Investments	0.00	0.00	188.13M	2.75B	5.32B	664.61M
Total Debt	319.47M	329.82M	8.32B	372.29M	68.01M	74.38M
Total Liabilities	81.78B	82.13B	74.38B	70.66B	70.64B	56.29B
Stockholders Equity	4.36B	4.03B	3.45B	2.94B	2.88B	2.74B
Cash Flow
Free Cash Flow	0.00	0.00	-1.81B	2.24B	848.49M	-49.76M
Operating Cash Flow	0.00	1.19B	-1.75B	2.30B	909.30M	-7.00M
Investing Cash Flow	0.00	-51.65M	-23.93M	-34.06M	-38.14M	-38.16M
Financing Cash Flow	0.00	-640.36M	-385.65M	-428.66M	-737.97M	4.92M

Banca Mediolanum SpA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 14.64
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:BMED, the sentiment is Positive. The current price of 14.64 is above the 20-day moving average (MA) of 14.39, above the 50-day MA of 14.47, and above the 200-day MA of 12.48, indicating a bullish trend. The MACD of 0.09 indicates Negative momentum. The RSI at 55.08 is Neutral, neither overbought nor oversold. The STOCH value of 62.14 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IT:BMED.

Banca Mediolanum SpA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BPE	77 Outperform	€10.53B	7.56	13.24%	8.10%	1.64%	-17.75%
MB	67 Neutral	€14.72B	11.38	11.91%	6.14%	17.52%	24.02%
BMED	63 Neutral	€10.83B	9.46	27.96%	8.61%	21.55%	36.51%
Sector *	61 Neutral	C$14.67B	6.35	22.27%	5.55%	30.07%	-22.51%
ISP	61 Neutral	€87.39B	9.88	13.56%	6.95%	6.32%	17.08%