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Mediobanca Banca di Credito Finanziario S.p.A.
(MB)
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Rating:61Neutral
Price Target:
€28.00
▲(35.46% Upside)
Action:Downgraded
Date:07/01/26
The score is held back primarily by uneven financial performance—negative recent revenue growth, leverage swings, and volatile cash generation—despite solid profitability. Technicals are supportive with the stock trading above key moving averages, and valuation is mixed: a strong dividend yield offsets a moderately high P/E.
Positive Factors
Diversified fee-generating model
Mediobanca operates across wealth management, CIB and consumer finance, generating recurring fees, advisory income and lending spreads. This multi-channel model reduces reliance on a single revenue source, supporting more resilient cash flow and client relationships over months.
Negative Factors
Negative revenue growth
A pronounced revenue decline (-23.7%) signals top-line stress and reduces visibility on recurring fee flows and interest income. If revenue weakness persists, it undermines margin sustainability, earnings predictability and the bank's ability to fund dividends or reinvest organically over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified fee-generating model
Mediobanca operates across wealth management, CIB and consumer finance, generating recurring fees, advisory income and lending spreads. This multi-channel model reduces reliance on a single revenue source, supporting more resilient cash flow and client relationships over months.
Read all positive factors
Mediobanca Banca di Credito Finanziario S.p.A. (MB) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€21.99B
Dividend Yield6.61%
Average Volume (3M)6.53M
Price to Earnings (P/E)18.2
Beta (1Y)1.49
Revenue Growth-23.69%
EPS Growth32.49%
CountryIT
Employees5,533
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.08
Shares Outstanding813,279,660
10 Day Avg. Volume2,101,517
30 Day Avg. Volume6,533,505
Financial Highlights & Ratios
PEG Ratio-0.62
Price to Book (P/B)1.25
Price to Sales (P/S)5.54
P/FCF Ratio5.82
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€23.10Price Target Upside11.76% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)1.78
Revenue Forecast (FY)€3.99B
Mediobanca Banca di Credito Finanziario S.p.A. Business Overview & Revenue Model
Company Description
Mediobanca Banca di Credito Finanziario S.p.A. is an Italian financial institution that delivers a broad spectrum of banking products and services, serving clients both domestically and internationally. Its operations are structured into several k...
How the Company Makes Money
Mediobanca generates revenue mainly through a mix of interest income, fee and commission income, and trading/financial income across its business lines. (1) Wealth Management: The group earns recurring fees and commissions from managing client ass...
Mediobanca Banca di Credito Finanziario S.p.A. Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
55
Neutral
Cash Flow
49
Neutral
| Breakdown | TTM | Dec 2025 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.60B | 2.59B | 3.51B | 5.28B | 3.93B | 2.87B |
| Gross Profit | 2.60B | 2.59B | 3.51B | 3.25B | 2.91B | 2.51B |
| EBITDA | 0.00 | 0.00 | 1.40B | 1.82B | 1.52B | 1.25B |
| Net Income | 880.90M | 1.03B | 1.33B | 1.27B | 1.03B | 906.98M |
Balance Sheet | ||||||
| Total Assets | 104.58B | 106.01B | 103.95B | 99.23B | 91.64B | 90.57B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 0.00 | 0.00 | 3.36B | 4.76B | 8.33B |
| Total Debt | 40.22B | 38.67B | 8.58B | 34.86B | 35.45B | 22.75B |
| Total Liabilities | 93.14B | 94.56B | 92.75B | 87.98B | 80.19B | 79.82B |
| Stockholders Equity | 11.43B | 11.43B | 11.20B | 11.16B | 11.33B | 10.65B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 2.46B | 0.00 | 550.37M | -3.24B | 5.80B |
| Operating Cash Flow | 0.00 | 2.49B | 0.00 | 601.53M | -3.16B | 5.86B |
| Investing Cash Flow | 0.00 | -47.68M | 0.00 | -3.48B | 170.29M | 263.54M |
| Financing Cash Flow | 0.00 | -1.16B | 0.00 | 2.00B | -633.95M | -821.05M |
Mediobanca Banca di Credito Finanziario S.p.A. Technical Analysis
Positive
20.67
Price Trends
24.06
Positive
20.76
Positive
18.64
Positive
Market Momentum
0.89
Positive
69.82
Neutral
79.91
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:MB, the sentiment is Positive. The current price of 20.67 is below the 20-day moving average (MA) of 26.52, below the 50-day MA of 24.06, and above the 200-day MA of 18.64, indicating a bullish trend. The MACD of 0.89 indicates Positive momentum. The RSI at 69.82 is Neutral, neither overbought nor oversold. The STOCH value of 79.91 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IT:MB.
Mediobanca Banca di Credito Finanziario S.p.A. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | €16.58B | 13.01 | 26.99% | 6.35% | -45.43% | 11.12% | |
76 Outperform | €112.86B | 11.42 | 14.41% | 6.08% | -8.72% | 8.09% | |
73 Outperform | €7.43B | 15.78 | 31.07% | 4.75% | 4.69% | 10.11% | |
72 Outperform | €124.63B | 11.10 | 16.86% | 4.15% | -0.36% | 22.62% | |
69 Neutral | €14.28B | 21.60 | 40.02% | 3.35% | 0.32% | -0.89% | |
61 Neutral | €21.99B | 18.22 | 11.91% | 6.61% | -23.69% | 32.49% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IT:MB
Mediobanca Banca di Credito Finanziario S.p.A.
26.96
9.51
54.45%
IT:UCG
UniCredit SpA
80.60
25.24
45.59%
IT:BGN
Banca Generali SpA
63.90
19.17
42.84%
IT:FBK
FinecoBank SpA
22.90
5.04
28.23%
IT:ISP
Intesa Sanpaolo SpA
6.28
1.68
36.51%
IT:BMED
Banca Mediolanum SpA
22.37
8.44
60.61%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.