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Mediobanca Banca di Credito Finanziario S.p.A. (IT:MB)
:MB

Mediobanca Banca di Credito Finanziario S.p.A. (MB) AI Stock Analysis

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IT

Mediobanca Banca di Credito Finanziario S.p.A.

(LSE:MB)

Rating:72Outperform
Price Target:
€21.50
▲(9.81%Upside)
Mediobanca demonstrates strong financial performance with effective cost management and solid profitability, contributing significantly to its score. The technical analysis reveals a generally positive price trend, though momentum indicators are neutral. Valuation metrics indicate a balanced view, with a fair P/E ratio and attractive dividend yield, supporting the investment case.

Mediobanca Banca di Credito Finanziario S.p.A. (MB) vs. iShares MSCI Italy ETF (EWI)

Mediobanca Banca di Credito Finanziario S.p.A. Business Overview & Revenue Model

Company DescriptionMediobanca Banca di Credito Finanziario S.p.A., together with its subsidiaries, provides various banking products and services in Italy and internationally. The company operates through Wealth Management, Consumer Banking, Corporate and Investment Banking, Principal Investing, and Holding Functions segments. The Wealth Management segment offers asset management and other services to private clients, and affluent and premier customers. The Consumer Banking segment provides a range of consumer credit products comprising personal loans and salary-backed finances; personal loan services for cars and motorcycles, consumer electronics, furniture, and travel; payment services that include credit cards and salary-backed loans; insurance products; and instalment payment solutions for online purchases. The Corporate and Investment Banking segment offers wholesale banking products and services, including lending, advisory, capital market, and proprietary trading services; and specialty finance services, such as factoring and credit management, as well as non-performing loans portfolio acquisitions and management. The Principal Investing segment engages in the equity investment and holding activities. The Holding Functions segment engages in treasury, and asset and liability management operations. The company was founded in 1946 and is headquartered in Milan, Italy.
How the Company Makes MoneyMediobanca generates revenue through diverse channels within its core segments. In Wealth Management, the company earns fees from asset management, fund management, and private banking services. The Corporate & Investment Banking segment contributes through advisory fees, underwriting services, and lending activities. Principal Investing involves generating returns from equity investments and proprietary trading. Key partnerships and collaborations with international financial institutions and strategic acquisitions also contribute to its earnings. The company leverages its strong market position in Italy and expanding footprint in European markets to sustain and grow its revenue streams.

Mediobanca Banca di Credito Finanziario S.p.A. Financial Statement Overview

Summary
Strong revenue growth and profit margins indicate effective cost management. The balance sheet is stable with a typical banking leverage and solid return on equity, but cash flow variability remains a concern despite recent improvements in free cash flow.
Income Statement
85
Very Positive
The company exhibits a strong revenue growth with a 8.63% increase from the previous year, and a consistent net profit margin averaging around 33%. The gross profit margin remains robust at near 100%, indicative of effective cost management. However, the negative EBITDA in the latest year might suggest unusual or one-off expenses impacting operating results.
Balance Sheet
78
Positive
The balance sheet shows a moderate debt-to-equity ratio, reflecting a leveraged position typical for banking institutions. The equity ratio stands at approximately 11%, indicating a stable equity base. Return on equity is strong at around 9.2%, showcasing effective utilization of equity capital, although improvements could enhance shareholder returns.
Cash Flow
65
Positive
Cash flow performance is mixed with a substantial increase in free cash flow in the latest year, reflecting improved capital efficiency. However, the volatility in operating cash flow, swinging from negative to positive, suggests potential challenges in cash generation consistency. The free cash flow to net income ratio is positive, indicating good conversion of earnings into cash.
BreakdownJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income Statement
Total Revenue2.85B2.85B2.51B2.59B2.33B
Gross Profit2.85B2.85B2.51B2.59B2.33B
EBITDA-536.12M1.06B888.98M895.04M594.72M
Net Income1.03B1.03B906.98M807.58M600.38M
Balance Sheet
Total Assets99.23B91.64B90.57B82.60B78.95B
Cash, Cash Equivalents and Short-Term Investments3.36B4.24B7.86B3.27B3.22B
Total Debt6.84B22.28B22.75B22.88B24.56B
Total Liabilities87.98B31.96B79.82B71.50B69.21B
Stockholders Equity11.16B11.33B10.65B11.01B9.65B
Cash Flow
Free Cash Flow550.37M-3.24B5.80B-1.45B2.89B
Operating Cash Flow601.53M-3.16B5.86B-1.40B2.94B
Investing Cash Flow-3.48B170.29M263.54M152.63M52.59M
Financing Cash Flow2.00B-633.95M-821.05M-3.69M-512.33M

Mediobanca Banca di Credito Finanziario S.p.A. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price19.58
Price Trends
50DMA
19.17
Positive
100DMA
17.73
Positive
200DMA
15.98
Positive
Market Momentum
MACD
0.03
Positive
RSI
50.93
Neutral
STOCH
61.67
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 19.58 is below the 20-day moving average (MA) of 19.62, above the 50-day MA of 19.17, and above the 200-day MA of 15.98, indicating a neutral trend. The MACD of 0.03 indicates Positive momentum. The RSI at 50.93 is Neutral, neither overbought nor oversold. The STOCH value of 61.67 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

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
ITMB
72
Outperform
€15.96B12.2111.91%5.72%17.52%24.02%
67
Neutral
$16.66B11.449.71%3.91%11.61%-10.70%
$100.24B10.0614.91%5.07%
€15.08B7.8213.41%10.44%
€10.80B7.7513.24%6.89%
€11.58B17.7428.46%3.40%
€86.64B9.6813.56%6.19%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IT:MB
Mediobanca Banca di Credito Finanziario S.p.A.
19.58
6.38
48.35%
UNCFF
UniCredit SpA
66.09
29.28
79.54%
GB:0RLA
Banco BPM S.p.A.
9.98
4.46
80.80%
GB:0MU6
BPER Banca S.p.A.
7.60
3.01
65.58%
GB:0QVF
FinecoBank SpA
18.94
5.38
39.68%
GB:0HBC
Intesa Sanpaolo SpA
4.82
1.53
46.50%
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.Date of analysis: Jun 05, 2025