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

• Market Cap: €13.73B
• Dividend Yield: 6.59%
• Average Volume (3M): 6.53M
• Price to Earnings (P/E): 10.6
• Beta (1Y): 1.34
• Revenue Growth: -0.72%
• EPS Growth: 6.52%
• Country: IT
• Employees: 5,443
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.38
• Shares Outstanding: 813,279,660
• 10 Day Avg. Volume: 2,101,517
• 30 Day Avg. Volume: 6,533,505
• PEG Ratio: 1.86
• Price to Book (P/B): 1.43
• Price to Sales (P/S): 4.58
• 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: €19.63
• Price Target Upside: 12.43% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 70 Outperform
• Price Target: €20.50 ▲(17.41% Upside)

Mediobanca Banca di Credito Finanziario S.p.A. receives an overall score of 70, primarily driven by its strong financial performance and attractive valuation. The technical analysis presents a mixed short-term outlook, but longer-term indicators remain supportive. The lack of information from earnings calls and corporate events limits further insights into recent strategic developments.

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

Company Description

Mediobanca Banca di Credito Finanziario S.p.A. (MB) is a prominent Italian investment bank headquartered in Milan, Italy. Established in 1946, the bank operates primarily in three sectors: Corporate & Investment Banking, Consumer Banking, and Wealth Management. Mediobanca offers a range of financial services including corporate lending, investment banking services, such as mergers and acquisitions advisory, capital markets, and trading. Additionally, it provides retail banking products through its consumer division, as well as asset management and private banking services under its wealth management segment.

How the Company Makes Money

Mediobanca generates revenue through a diversified model that includes fees and commissions from its corporate and investment banking activities, interest income from its consumer banking operations, and management fees from its wealth management services. The Corporate & Investment Banking division earns through advisory fees for mergers and acquisitions, underwriting, and trading activities. The Consumer Banking segment, primarily through its subsidiary CheBanca!, generates income from interest on loans and mortgages, as well as fees from retail banking services. The Wealth Management division contributes to revenue through advisory fees and management fees from assets under management. Strategic partnerships and investments in other financial institutions also play a role in Mediobanca's financial performance, enhancing its ability to offer comprehensive financial solutions.

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

Summary

Mediobanca Banca di Credito Finanziario S.p.A. demonstrates strong revenue and profit growth with effective cost management, as evidenced by a robust net profit margin of around 33% and a gross profit margin near 100%. The balance sheet reflects typical banking leverage with a stable equity base. However, cash flow variability, particularly the volatility in operating cash flow, poses challenges despite recent improvements in free cash flow.

Income Statement

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

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

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.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	2.59B	3.51B	5.28B	3.93B	2.87B	2.99B
Gross Profit	2.59B	3.51B	3.25B	2.91B	2.51B	2.59B
EBITDA	0.00	1.40B	1.82B	1.52B	1.25B	1.17B
Net Income	993.70M	1.33B	1.27B	1.03B	906.98M	807.58M
Balance Sheet
Total Assets	103.95B	103.95B	99.23B	91.64B	90.57B	82.60B
Cash, Cash Equivalents and Short-Term Investments	0.00	0.00	3.36B	4.76B	8.33B	2.38B
Total Debt	40.18B	8.58B	34.86B	35.45B	22.75B	22.88B
Total Liabilities	92.75B	92.75B	87.98B	80.19B	79.82B	71.50B
Stockholders Equity	11.19B	11.20B	11.16B	11.33B	10.65B	11.01B
Cash Flow
Free Cash Flow	0.00	0.00	550.37M	-3.24B	5.80B	-1.45B
Operating Cash Flow	0.00	0.00	601.53M	-3.16B	5.86B	-1.40B
Investing Cash Flow	0.00	0.00	-3.48B	170.29M	263.54M	-953.17M
Financing Cash Flow	0.00	0.00	2.00B	-633.95M	-821.05M	4.52B

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

• Technical Analysis Sentiment: Positive
• Last Price: 17.46
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 17.46 is above the 20-day moving average (MA) of 16.81, above the 50-day MA of 16.46, and below the 200-day MA of 17.75, indicating a neutral trend. The MACD of 0.14 indicates Negative momentum. The RSI at 64.33 is Neutral, neither overbought nor oversold. The STOCH value of 88.37 is Negative, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BPE	79 Outperform	€22.52B	12.20	12.55%	6.10%	-11.28%	-15.25%
ISP	76 Outperform	€102.73B	11.57	15.44%	6.03%	-10.70%	7.46%
UCG	75 Outperform	$109.75B	10.23	15.67%	4.12%	26.99%	10.44%
BAMI	72 Outperform	€19.54B	8.15	16.45%	8.20%	2.23%	72.08%
FBK	71 Outperform	€13.54B	20.83	32.83%	3.34%	2.97%	4.64%
MB	70 Outperform	€13.73B	10.61	11.91%	6.59%	-0.72%	6.52%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%