Mediobanca (MDIBY)
OTHER OTC:MDIBY
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Positive Factors
Revenue Growth
Consistent revenue growth across various segments indicates strong market demand and effective business strategies, supporting long-term financial health.
Negative Factors
Equity Ratio Concerns
A low equity ratio suggests potential vulnerability to financial distress, impacting the company's ability to withstand economic downturns.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Consistent revenue growth across various segments indicates strong market demand and effective business strategies, supporting long-term financial health.
Read all positive factors
Mediobanca (MDIBY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$16.58B
Dividend Yield5.4%
Average Volume (3M)3.24K
Price to Earnings (P/E)11.7
Beta (1Y)0.88
Revenue Growth-0.19%
EPS Growth7.12%
CountryUS
Employees5,443
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.73
Shares Outstanding813,279,660
10 Day Avg. Volume1,070
30 Day Avg. Volume3,238
Financial Highlights & Ratios
PEG Ratio1.80
Price to Book (P/B)1.39
Price to Sales (P/S)4.44
P/FCF Ratio0.00
Enterprise Value/Market Cap3.28
Enterprise Value/Revenue62.11
Enterprise Value/Gross Profit62.11
Enterprise Value/EbitdaN/A
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 and internationally. The company operates through Wealth Management, Consumer Banking, Corporate and Investment...
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 ...
Mediobanca Earnings Call Summary
Earnings Call Date:Jul 31, 2025
(Q4-2025)
| % Change Since: |
Next Earnings Date:May 07, 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
Balance Sheet
Cash Flow
| Breakdown | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 3.51B | 5.28B | 3.93B | 2.87B | 2.99B |
| Gross Profit | 3.51B | 3.25B | 2.91B | 2.51B | 2.59B |
| EBITDA | 0.00 | 1.82B | 1.52B | 1.25B | 1.17B |
| Net Income | 1.33B | 1.27B | 1.03B | 906.98M | 807.58M |
Balance Sheet | |||||
| Total Assets | 103.95B | 99.23B | 91.64B | 90.57B | 82.60B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 4.10B | 4.76B | 8.33B | 3.69B |
| Total Debt | 40.18B | 33.73B | 31.96B | 22.75B | 22.88B |
| Total Liabilities | 92.75B | 87.98B | 80.19B | 79.82B | 71.50B |
| Stockholders Equity | 11.19B | 11.16B | 11.33B | 10.65B | 11.01B |
Cash Flow | |||||
| Free Cash Flow | 0.00 | 388.35M | -3.24B | 5.80B | -1.45B |
| Operating Cash Flow | 0.00 | 439.51M | -3.16B | 5.86B | -1.40B |
| Investing Cash Flow | 0.00 | 19.05M | 170.29M | 263.54M | 152.63M |
| Financing Cash Flow | 0.00 | -1.33B | -633.95M | -821.05M | -3.69M |
Mediobanca Technical Analysis
Positive
20.61
Price Trends
20.27
Positive
20.20
Positive
20.85
Negative
Market Momentum
-0.10
Negative
59.72
Neutral
50.26
Neutral
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 20.61 is above the 20-day moving average (MA) of 18.86, above the 50-day MA of 20.27, and below the 200-day MA of 20.85, indicating a neutral trend. The MACD of -0.10 indicates Negative momentum. The RSI at 59.72 is Neutral, neither overbought nor oversold. The STOCH value of 50.26 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
| ― | $16.58B | 11.70 | 11.52% | 5.40% | -0.19% | 7.12% | |
74 Outperform | $28.02B | 11.79 | 19.28% | 4.82% | 8.72% | 27.70% | |
69 Neutral | $27.11B | 11.93 | 7.16% | 2.89% | -3.93% | 40.62% | |
65 Neutral | $30.27B | 18.46 | 8.70% | 2.86% | -4.88% | 4.84% | |
63 Neutral | $23.20B | 11.08 | 9.26% | 3.90% | 3.86% | 5473.29% | |
57 Neutral | $23.09B | 9.97 | 11.15% | 4.98% | 1.13% | -11.93% |
* Financial Sector Average
MDIBY
Mediobanca
20.61
4.80
30.37%
BSBR
Banco Santander Brasil
6.21
1.86
42.79%
BAP
Credicorp
352.25
183.72
109.01%
KEY
KeyCorp
21.29
8.16
62.16%
SHG
Shinhan Financial Group Co
66.41
33.95
104.59%
CFG
Citizens Financial
63.78
30.19
89.87%
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.Date of analysis: ―