The earnings call presented a strong performance with record-breaking net new money and significant growth in several business segments. Despite some challenges such as higher costs and a decrease in NII in specific areas, the overall outlook remains optimistic with plans for further growth and improvements in capital structure and ESG initiatives.

Company Guidance

During the call, Alberto Nicola Nagel presented a robust set of metrics reflecting the company's strong performance and future guidance. The firm achieved EUR 11 billion in net new money, marking a 30% year-on-year increase. Average loans in the corporate and investment banking (CIB) sector grew by 8%, reaching EUR 1 billion, and consumer finance loans increased by 9% to EUR 9 billion annually. Revenue rose to EUR 3.7 billion, with a growth rate of 6% over the past two years, while gross operating profit climbed 8%. The return on risk-weighted assets improved to 2.9%, up from 2.4% at the plan's inception. The company also increased its dividend to EUR 1.15 per share, up 7% year-on-year. Looking ahead, the firm aims for EUR 4.4 billion in revenue over the next three years, with a 6% growth rate. It plans to shift its distribution policy to a full cash dividend model starting next year, targeting a 9% growth in recurring EPS and a 17% ordinary return on equity. The continued focus on expanding wealth management and consumer finance, along with strategic capital optimization, underscores the company's ambitious growth trajectory.

Record Net New Money

Achieved EUR 11 billion of net new money, representing a 30% increase year-on-year.

Loan Growth in Consumer Finance

Increased consumer finance loan production to EUR 9 billion, up 9% year-on-year.

EPS and Dividend Growth

Net profit increased by 4%, EPS up 7%, and total dividend per share increased to EUR 1.15, up 7% year-on-year.

Wealth Management and CIB Performance

Wealth Management fees increased by 13%, with a record net new money of EUR 11 billion. CIB revenue reached EUR 900 million, up 16% year-on-year.

Cost of Risk Improvement

Cost of risk was lower than expected at 44 basis points, compared to a forecasted 50-55 basis points.

ESG and Social Initiatives

Significant ESG improvements, including an 18% reduction in financed emissions and enhanced social initiatives.

Mediobanca (MDIBY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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MDIBY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 10, 2025	2026 (Q1)	- / -	0.866	―	―	―
Jul 31, 2025	2025 (Q4)	- / 0.92	0.866	5.66% (+0.05)
May 08, 2025	2025 (Q3)	- / -	0.79	―
Feb 10, 2025	2025 (Q2)	- / 0.87	0.79	10.00% (+0.08)
Nov 12, 2024	2025 (Q1)	- / -	0.608	―
Aug 01, 2024	2024 (Q4)	- / 0.87	0.608	42.43% (+0.26)
May 10, 2024	2024 (Q3)	- / -	0.669	―
Feb 09, 2024	2024 (Q2)	- / 0.79	0.669	18.09% (+0.12)
Oct 26, 2023	2024 (Q1)	- / -	0.496	―
Jul 27, 2023	2023 (Q4)	- / 0.61	0.496	22.58% (+0.11)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

MDIBY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 31, 2025	$22.27	$22.14	-0.58%
May 08, 2025	$21.06	$21.44	+1.80%
Feb 10, 2025	$16.73	$16.79	+0.36%
Nov 12, 2024	$15.90	$14.55	-8.49%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Mediobanca (MDIBY) report earnings?

Mediobanca (MDIBY) is schdueled to report earning on Nov 10, 2025, Before Open (Not Confirmed).

What is Mediobanca (MDIBY) earnings time?

Mediobanca (MDIBY) earnings time is at Nov 10, 2025, Before Open (Not Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

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What is MDIBY EPS forecast?

Currently, no data Available

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