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Mediobanca
(OTC:MDIBY)
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Rating:67Neutral
Price Target:
$36.00
▲(13.78% Upside)
Action:Downgraded
Date:07/03/26
The score is anchored by mixed financial fundamentals: solid profitability is offset by materially higher leverage and notably volatile/negative operating and free cash flow in multiple periods. Technicals are a key positive with a strong uptrend and positive MACD, though momentum is approaching stretched conditions (RSI ~69). Valuation is supportive, combining a reasonable P/E (17.837) with a strong dividend yield (4.6549%).
Positive Factors
Solid Profitability
Sustained high net margins indicate strong earnings power across Mediobanca’s businesses. This profitability provides an internal buffer against moderate credit costs, funding pressure or weaker transaction activity over the next several quarters.
Negative Factors
Rising Leverage
Rapidly higher leverage, alongside relatively stable equity, means incremental growth is increasingly funded with debt. This reduces financial flexibility and makes earnings more sensitive to credit losses, funding costs and market stress.
Read all positive and negative factors
Positive Factors
Negative Factors
Solid Profitability
Sustained high net margins indicate strong earnings power across Mediobanca’s businesses. This profitability provides an internal buffer against moderate credit costs, funding pressure or weaker transaction activity over the next several quarters.
Read all positive factors
Mediobanca (MDIBY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$27.06B
Dividend Yield4.21%
Average Volume (3M)3.24K
Price to Earnings (P/E)19.6
Beta (1Y)1.07
Revenue Growth-22.91%
EPS Growth60.27%
CountryUS
Employees5,533
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.07
Shares Outstanding813,279,660
10 Day Avg. Volume1,070
30 Day Avg. Volume3,238
Financial Highlights & Ratios
PEG Ratio-0.56
Price to Book (P/B)1.24
Price to Sales (P/S)2.63
P/FCF Ratio-12.09
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Mediobanca 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, Other European countries, the United States, Asia, and internationally. It operates through Wealth Management,...
How the Company Makes Money
Mediobanca generates earnings mainly from a mix of interest income, fee and commission income, and—where applicable—trading and other financial income across its business lines. (1) Net interest income: The group earns interest and similar income ...
Mediobanca Earnings Call Summary
Earnings Call Date:Jul 31, 2025
(Q4-2025)
| % Change Since: |
Next Earnings Date:Nov 05, 2026
Earnings Call Sentiment Positive
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.Positive Updates
Record Net New Money
Achieved EUR 11 billion of net new money, representing a 30% increase year-on-year.
Negative Updates
Decrease in Net Interest Income
Wealth Management experienced a 5% decrease in NII due to non-recurrent items related to capital distribution.
Read all updates
Q4-2025 Updates
Positive
Negative
Record Net New Money
Achieved EUR 11 billion of net new money, representing a 30% increase year-on-year.
Read all positive updates
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.Mediobanca Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
40
Negative
| Breakdown | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 5.40B | 3.51B | 5.28B | 3.93B | 2.87B |
| Gross Profit | 3.16B | 3.51B | 3.25B | 2.91B | 2.51B |
| EBITDA | 793.94M | 0.00 | 1.82B | 1.52B | 1.25B |
| Net Income | 984.72M | 1.33B | 1.27B | 1.03B | 906.98M |
Balance Sheet | |||||
| Total Assets | 105.96B | 103.95B | 99.23B | 91.64B | 90.57B |
| Cash, Cash Equivalents and Short-Term Investments | 20.86B | 0.00 | 4.10B | 4.76B | 8.33B |
| Total Debt | 48.19B | 40.18B | 33.73B | 31.96B | 22.75B |
| Total Liabilities | 94.50B | 92.75B | 87.98B | 80.19B | 79.82B |
| Stockholders Equity | 11.44B | 11.19B | 11.16B | 11.33B | 10.65B |
Cash Flow | |||||
| Free Cash Flow | -1.18B | 0.00 | 388.35M | -3.24B | 5.80B |
| Operating Cash Flow | -1.16B | 0.00 | 439.51M | -3.16B | 5.86B |
| Investing Cash Flow | 157.15M | 0.00 | 19.05M | 170.29M | 263.54M |
| Financing Cash Flow | 1.62B | 0.00 | -1.33B | -633.95M | -821.05M |
Mediobanca Technical Analysis
Positive
31.64
Price Trends
31.06
Positive
26.93
Positive
23.34
Positive
Market Momentum
0.82
Positive
70.35
Negative
89.95
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 31.64 is below the 20-day moving average (MA) of 32.51, above the 50-day MA of 31.06, and above the 200-day MA of 23.34, indicating a bullish trend. The MACD of 0.82 indicates Positive momentum. The RSI at 70.35 is Negative, neither overbought nor oversold. The STOCH value of 89.95 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MDIBY.
Mediobanca Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
85 Outperform | $30.09B | 14.03 | 19.66% | 3.77% | 23.90% | 27.55% | |
74 Outperform | $24.59B | 13.32 | 10.12% | 3.62% | 18.47% | ― | |
73 Outperform | $31.30B | 16.02 | 8.14% | 2.50% | 1.24% | 40.55% | |
71 Outperform | $35.02B | 9.63 | 9.20% | 2.62% | 5.37% | 14.38% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $27.06B | 19.58 | 10.73% | 4.44% | -22.91% | 60.27% | |
62 Neutral | $21.29B | 30.20 | 11.81% | 5.10% | 20.73% | 27.11% |
* Financial Sector Average
MDIBY
Mediobanca
33.43
9.66
40.62%
BSBR
Banco Santander Brasil
5.60
1.00
21.82%
BAP
Credicorp
368.44
130.77
55.02%
KEY
KeyCorp
22.79
5.31
30.38%
SHG
Shinhan Financial Group Co
74.86
26.68
55.38%
CFG
Citizens Financial
73.46
26.08
55.03%
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.