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

• Market Cap: €17.35B
• Dividend Yield: 5.07%
• Average Volume (3M): 5.24M
• Price to Earnings (P/E): 13.3
• Beta (1Y): 1.24
• Revenue Growth: 17.52%
• EPS Growth: 24.02%
• Country: IT
• Employees: 5,443
• Sector: Financial
• Sector Strength: 85
• Industry: Banks - Regional
• EPS (TTM): 0.41
• Shares Outstanding: 833,279,660
• 10 Day Avg. Volume: 5,831,284
• 30 Day Avg. Volume: 5,238,528
• PEG Ratio: -0.93
• Price to Book (P/B): 1.31
• 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: €18.50
• Price Target Upside: -11.95% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

Mediobanca Banca di Credito Finanziario S.p.A. presents a strong financial performance with solid revenue and profit growth, despite some concerns over cash flow stability. The stock shows bearish technical trends but offers attractive valuation with a low P/E ratio and high dividend yield, making it appealing for value and income investors. While the financial health is robust, attention to stock price trends is advised for potential investors.

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

Company Description

Mediobanca 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 Money

Mediobanca 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

Income Statement

Balance Sheet

Cash Flow

Breakdown
Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement		Total Revenue
3.10B	2.85B	2.51B	2.59B	2.33B
	Gross Profit
3.10B	2.85B	2.51B	2.59B	2.33B
	EBIT
1.74B	1.33B	1.07B	993.76M	731.09M
	EBITDA
-536.12M	1.06B	888.98M	895.04M	594.72M
	Net Income Common Stockholders
1.03B	1.03B	906.98M	807.58M	600.38M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
3.36B	4.24B	7.86B	3.27B	3.22B
	Total Assets
99.23B	91.64B	90.57B	82.60B	78.95B
	Total Debt
6.84B	22.28B	22.75B	22.88B	24.56B
	Net Debt
13.68B	17.37B	13.70B	20.50B	20.63B
	Total Liabilities
87.98B	31.96B	79.82B	71.50B	69.21B
	Stockholders Equity
11.16B	11.33B	10.65B	11.01B	9.65B
Cash Flow		Free Cash Flow
550.37M	-3.24B	5.80B	-1.45B	2.89B
	Operating Cash Flow
601.53M	-3.16B	5.86B	-1.40B	2.94B
	Investing Cash Flow
-3.48B	170.29M	263.54M	152.63M	52.59M
	Financing Cash Flow
2.00B	-633.95M	-821.05M	-3.69M	-512.33M

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

• Technical Analysis Sentiment: Positive
• Last Price: 21.01
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 21.01 is above the 20-day moving average (MA) of 18.25, above the 50-day MA of 17.37, and above the 200-day MA of 15.43, indicating a bullish trend. The MACD of 1.22 indicates Negative momentum. The RSI at 76.23 is Negative, neither overbought nor oversold. The STOCH value of 83.59 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
MB	74 Outperform	€17.35B	13.26	11.91%	5.07%	17.52%	24.02%
Sector *	64 Neutral	$12.74B	9.83	7.63%	17000.35%	12.34%	-5.32%