Mediobanca (MDIBY) AI Stock Analysis

• Market Cap: $17.74B
• Dividend Yield: 0.15%
• Average Volume (3M): 243.00
• Price to Earnings (P/E): 12.8
• Beta (1Y): 0.92
• Revenue Growth: 17.58%
• EPS Growth: 24.07%
• Country: US
• Employees: 5,443
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 833,279,660
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 243
• PEG Ratio: 18.16
• Price to Book (P/B): 1.34
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 77 Outperform
• Price Target: ―

Mediobanca achieves a strong stock score due to robust financial performance, technical strength, and positive earnings call guidance. However, potential risks from non-cash expenses, financial leverage, and overbought technical indicators should be monitored.

Mediobanca Business Overview & Revenue Model

Company Description

Mediobanca is a prominent Italian financial services group that operates primarily in the sectors of corporate and investment banking, consumer banking, and wealth management. Established in 1946 and headquartered in Milan, Italy, the company provides a wide range of services including lending, asset management, and advisory services. Mediobanca serves a diverse client base comprising corporations, institutions, and individuals, with a focus on delivering tailored financial solutions and strategic advice.

How the Company Makes Money

Mediobanca generates revenue through multiple channels. In corporate and investment banking, the company earns money by providing services such as mergers and acquisitions advisory, equity and debt underwriting, and corporate lending. In consumer banking, Mediobanca offers personal loans, credit cards, and other financial products, earning interest and fees. Wealth management provides another revenue stream through asset management services, where the company charges fees based on assets under management. The company also benefits from strategic partnerships and investments that enhance its service offerings and expand its market reach.

Mediobanca Financial Statement Overview

Summary

Mediobanca shows strong revenue growth and profitability with efficient cost management. However, concerns over negative EBITDA margin and low equity ratio pose risks. Cash flow is improving but needs better income conversion.

Income Statement

Mediobanca has shown solid revenue growth, with a significant increase in total revenue from the previous year. The gross profit margin is high, indicating efficient cost management. However, the negative EBITDA margin is a concern, suggesting potential issues with non-cash expenses.

Balance Sheet

The company has a manageable debt-to-equity ratio, indicating balanced leverage. The return on equity is strong, reflecting effective use of shareholders' funds. However, the equity ratio is relatively low, which could imply higher financial risk.

Cash Flow

Free cash flow has improved significantly, showing strong growth. However, the operating cash flow to net income ratio is low, indicating potential challenges in translating earnings into cash flow. The free cash flow to net income ratio is positive, suggesting some ability to generate cash from operations.

Breakdown	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement
Total Revenue	2.85B	2.85B	2.51B	2.59B	2.33B
Gross Profit	2.85B	2.85B	2.51B	2.59B	2.33B
EBITDA	-26.10M	0.00	0.00	0.00	0.00
Net Income	1.03B	1.03B	906.98M	807.58M	600.38M
Balance Sheet
Total Assets	99.23B	91.64B	90.57B	82.60B	78.95B
Cash, Cash Equivalents and Short-Term Investments	0.00	4.24B	7.86B	3.27B	3.22B
Total Debt	6.84B	22.28B	22.75B	22.88B	24.56B
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	388.35M	-3.24B	5.80B	-1.45B	2.89B
Operating Cash Flow	439.51M	-3.16B	5.86B	-1.40B	2.94B
Investing Cash Flow	19.05M	170.29M	263.54M	152.63M	52.59M
Financing Cash Flow	-1.33B	-633.95M	-821.05M	-3.69M	-512.33M

Mediobanca Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 22.04
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MDIBY, the sentiment is Positive. The current price of 22.04 is above the 20-day moving average (MA) of 21.88, below the 50-day MA of 22.46, and above the 200-day MA of 18.06, indicating a neutral trend. The MACD of -0.14 indicates Negative momentum. The RSI at 52.22 is Neutral, neither overbought nor oversold. The STOCH value of 94.67 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MDIBY.

Mediobanca Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MDIBY	77 Outperform	$17.74B	12.75	12.05%	0.15%	17.58%	24.07%
BAP	77 Outperform	$18.86B	12.20	16.35%	0.03%	3.89%	15.26%
CIB	75 Outperform	$11.56B	13.22	15.99%	0.59%	-5.45%	3.43%
BSAC	71 Outperform	$11.30B	10.57	24.02%	0.24%	18.54%	65.80%
BSBR	70 Outperform	$18.03B	15.06	10.89%	1.22%	-3.94%	31.52%
BCH	69 Neutral	$14.28B	11.01	23.88%	0.28%	-17.02%	-10.73%
Sector *	68 Neutral	$17.10B	11.44	9.70%	3.58%	11.11%	-4.78%