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Banca Mediolanum S.p.A.

BNCDY

(2.8)
Stock Price

23,74 USD

1.12% ROA

25.45% ROE

17.62x PER

Market Cap.

8.005.234.434,69 USD

186.59% DER

5.9% Yield

28.99% NPM

Banca Mediolanum S.p.A. Stock Analysis

Banca Mediolanum S.p.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Banca Mediolanum S.p.A. Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (21.24%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 DER

The stock has a minimal amount of debt (12%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

5 ROA

The stock's ROA (0.85%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 PBV

The stock's PBV ratio (2.12x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

7 Buffet Intrinsic Value

The company's stock seems undervalued (53) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

Banca Mediolanum S.p.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Banca Mediolanum S.p.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Buy
4 Stoch RSI Hold

Banca Mediolanum S.p.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Banca Mediolanum S.p.A. Revenue
Year Revenue Growth
2004 3.430.874.000
2005 4.353.527.000 21.19%
2006 4.598.219.000 5.32%
2007 3.953.019.000 -16.32%
2008 93.237.000 -4139.75%
2009 12.991.075.000 99.28%
2010 11.224.776.000 -15.74%
2011 10.208.988.000 -9.95%
2012 10.472.544.000 2.52%
2013 7.141.032.000 -46.65%
2014 5.925.855.000 -20.51%
2015 4.562.991.000 -29.87%
2016 3.636.774.000 -25.47%
2017 3.382.237.000 -7.53%
2018 2.090.547.000 -61.79%
2019 5.761.338.000 63.71%
2020 3.108.671.000 -85.33%
2021 5.728.756.000 45.74%
2022 1.459.999.000 -292.38%
2023 1.894.636.000 22.94%
2023 2.790.738.000 32.11%
2024 4.034.472.000 30.83%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Banca Mediolanum S.p.A. Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Banca Mediolanum S.p.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 203.550.000
2005 230.015.000 11.51%
2006 255.131.000 9.84%
2007 282.428.000 9.67%
2008 300.231.000 5.93%
2009 314.462.000 4.53%
2010 321.408.000 2.16%
2011 330.091.000 2.63%
2012 178.561.000 -84.86%
2013 173.401.000 -2.98%
2014 216.517.000 19.91%
2015 243.901.000 11.23%
2016 261.241.000 6.64%
2017 258.973.000 -0.88%
2018 261.734.000 1.05%
2019 262.142.000 0.16%
2020 269.433.000 2.71%
2021 294.254.000 8.44%
2022 332.349.000 11.46%
2023 1.271.316.000 73.86%
2023 354.262.000 -258.86%
2024 317.372.000 -11.62%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Banca Mediolanum S.p.A. EBITDA
Year EBITDA Growth
2004 270.292.000
2005 361.854.000 25.3%
2006 377.986.000 4.27%
2007 419.057.000 9.8%
2008 218.563.000 -91.73%
2009 345.789.000 36.79%
2010 305.408.000 -13.22%
2011 84.219.000 -262.64%
2012 748.604.000 88.75%
2013 815.502.000 8.2%
2014 715.255.000 -14.02%
2015 765.648.000 6.58%
2016 609.815.000 -25.55%
2017 569.016.000 -7.17%
2018 539.478.000 -5.48%
2019 738.987.000 27%
2020 531.422.000 -39.06%
2021 890.467.000 40.32%
2022 741.415.000 -20.1%
2023 1.100.164.000 32.61%
2023 -10.200.000 10885.92%
2024 1.227.744.000 100.83%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Banca Mediolanum S.p.A. Gross Profit
Year Gross Profit Growth
2004 3.430.874.000
2005 4.353.527.000 21.19%
2006 4.598.219.000 5.32%
2007 3.953.019.000 -16.32%
2008 93.237.000 -4139.75%
2009 12.991.075.000 99.28%
2010 11.224.776.000 -15.74%
2011 10.208.988.000 -9.95%
2012 10.472.544.000 2.52%
2013 7.141.032.000 -46.65%
2014 5.925.855.000 -20.51%
2015 4.562.991.000 -29.87%
2016 2.939.633.000 -55.22%
2017 2.653.253.000 -10.79%
2018 1.386.378.000 -91.38%
2019 5.000.210.000 72.27%
2020 2.330.460.000 -114.56%
2021 4.806.028.000 51.51%
2022 545.363.000 -781.25%
2023 1.894.636.000 71.22%
2023 2.541.955.000 25.47%
2024 2.555.624.000 0.53%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Banca Mediolanum S.p.A. Net Profit
Year Net Profit Growth
2004 159.055.000
2005 233.312.000 31.83%
2006 223.636.000 -4.33%
2007 212.243.000 -5.37%
2008 23.675.000 -796.49%
2009 217.280.000 89.1%
2010 246.633.000 11.9%
2011 67.267.000 -266.65%
2012 351.023.000 80.84%
2013 336.580.000 -4.29%
2014 320.617.000 -4.98%
2015 438.613.000 26.9%
2016 393.527.000 -11.46%
2017 379.992.000 -3.56%
2018 255.710.000 -48.6%
2019 565.432.000 54.78%
2020 434.462.000 -30.15%
2021 713.055.000 39.07%
2022 506.829.000 -40.69%
2023 835.360.000 39.33%
2023 821.870.000 -1.64%
2024 917.604.000 10.43%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Banca Mediolanum S.p.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 0
2005 1 0%
2006 1 0%
2007 1 0%
2008 0 0%
2009 1 0%
2010 1 0%
2011 0 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 100%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 0 0%
2023 1 100%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Banca Mediolanum S.p.A. Free Cashflow
Year Free Cashflow Growth
2004 3.401.287.000
2005 2.723.975.000 -24.86%
2006 2.889.684.000 5.73%
2007 831.716.000 -247.44%
2008 -5.470.315.000 115.2%
2009 8.684.688.000 162.99%
2010 1.771.550.000 -390.23%
2011 866.517.000 -104.44%
2012 2.786.950.000 68.91%
2013 1.279.696.000 -117.78%
2014 215.061.000 -495.04%
2015 258.778.000 16.89%
2016 -898.682.000 128.8%
2017 -148.037.000 -507.07%
2018 311.961.000 147.45%
2019 328.047.000 4.9%
2020 -49.760.000 759.26%
2021 848.493.000 105.86%
2022 2.235.959.000 62.05%
2023 -1.777.961.000 225.76%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Banca Mediolanum S.p.A. Operating Cashflow
Year Operating Cashflow Growth
2004 3.435.033.000
2005 2.694.155.000 -27.5%
2006 2.865.980.000 6%
2007 823.604.000 -247.98%
2008 -5.457.401.000 115.09%
2009 8.770.429.000 162.23%
2010 1.771.686.000 -395.03%
2011 866.517.000 -104.46%
2012 2.792.633.000 68.97%
2013 1.295.889.000 -115.5%
2014 252.696.000 -412.83%
2015 334.757.000 24.51%
2016 -848.735.000 139.44%
2017 -78.516.000 -980.97%
2018 356.626.000 122.02%
2019 363.260.000 1.83%
2020 -6.997.000 5291.65%
2021 909.301.000 100.77%
2022 2.295.442.000 60.39%
2023 -1.725.692.000 233.02%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Banca Mediolanum S.p.A. Capital Expenditure
Year Capital Expenditure Growth
2004 33.746.000
2005 -29.820.000 213.17%
2006 -23.704.000 -25.8%
2007 -8.112.000 -192.21%
2008 12.914.000 162.82%
2009 85.741.000 84.94%
2010 136.000 -62944.85%
2011 0 0%
2012 5.683.000 100%
2013 16.193.000 64.9%
2014 37.635.000 56.97%
2015 75.979.000 50.47%
2016 49.947.000 -52.12%
2017 69.521.000 28.16%
2018 44.665.000 -55.65%
2019 35.213.000 -26.84%
2020 42.763.000 17.66%
2021 60.808.000 29.68%
2022 59.483.000 -2.23%
2023 52.269.000 -13.8%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Banca Mediolanum S.p.A. Equity
Year Equity Growth
2004 643.794.000
2005 807.986.000 20.32%
2006 904.304.000 10.65%
2007 895.033.000 -1.04%
2008 813.517.000 -10.02%
2009 992.418.000 18.03%
2010 1.036.160.000 4.22%
2011 762.350.000 -35.92%
2012 1.477.339.000 48.4%
2013 1.733.234.000 14.76%
2014 1.813.348.000 4.42%
2015 2.070.135.000 12.4%
2016 4.281.713.000 51.65%
2017 2.444.577.000 -75.15%
2018 2.041.278.000 -19.76%
2019 2.486.410.000 17.9%
2020 2.739.234.000 9.23%
2021 10.214.075.000 73.18%
2022 9.987.510.000 -2.27%
2023 11.585.820.000 13.8%
2023 3.184.194.000 -263.85%
2024 3.632.063.000 12.33%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Banca Mediolanum S.p.A. Assets
Year Assets Growth
2004 15.390.856.000
2005 18.891.962.000 18.53%
2006 21.317.113.000 11.38%
2007 23.784.163.000 10.37%
2008 22.650.372.000 -5.01%
2009 28.891.555.000 21.6%
2010 32.645.687.000 11.5%
2011 33.971.760.000 3.9%
2012 36.048.829.000 5.76%
2013 37.321.452.000 3.41%
2014 42.547.855.000 12.28%
2015 44.710.171.000 4.84%
2016 41.971.360.000 -6.53%
2017 43.266.786.000 2.99%
2018 47.374.365.000 8.67%
2019 53.437.634.000 11.35%
2020 59.029.046.000 9.47%
2021 73.522.370.000 19.71%
2022 73.598.890.000 0.1%
2023 77.752.624.000 5.34%
2023 76.152.024.000 -2.1%
2024 81.624.257.000 6.7%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Banca Mediolanum S.p.A. Liabilities
Year Liabilities Growth
2004 14.747.062.000
2005 18.083.976.000 18.45%
2006 20.412.809.000 11.41%
2007 22.889.130.000 10.82%
2008 21.836.855.000 -4.82%
2009 27.899.137.000 21.73%
2010 31.609.527.000 11.74%
2011 33.209.410.000 4.82%
2012 34.628.382.000 4.1%
2013 35.670.658.000 2.92%
2014 40.734.507.000 12.43%
2015 42.640.036.000 4.47%
2016 39.820.700.000 -7.08%
2017 41.058.009.000 3.01%
2018 45.313.376.000 9.39%
2019 51.094.521.000 11.31%
2020 56.290.515.000 9.23%
2021 70.639.555.000 20.31%
2022 70.663.511.000 0.03%
2023 74.297.884.000 4.89%
2023 373.645.000 -19784.62%
2024 77.992.194.000 99.52%

Banca Mediolanum S.p.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
4.23
Net Income per Share
1.23
Price to Earning Ratio
17.62x
Price To Sales Ratio
2.55x
POCF Ratio
398.42
PFCF Ratio
199.22
Price to Book Ratio
4.41
EV to Sales
4.61
EV Over EBITDA
25.17
EV to Operating CashFlow
359.37
EV to FreeCashFlow
359.37
Earnings Yield
0.06
FreeCashFlow Yield
0.01
Market Cap
8,01 Bil.
Enterprise Value
14,44 Bil.
Graham Number
11.64
Graham NetNet
-79.46

Income Statement Metrics

Net Income per Share
1.23
Income Quality
0.04
ROE
0.25
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.77
EBT Per Ebit
0.99
Ebit per Revenue
0.38
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0.18
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.53
Operating Profit Margin
0.38
Pretax Profit Margin
0.38
Net Profit Margin
0.29

Dividends

Dividend Yield
0.06
Dividend Yield %
5.9
Payout Ratio
0
Dividend Per Share
1.28

Operating Metrics

Operating Cashflow per Share
0.05
Free CashFlow per Share
0.05
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.09
Return on Tangible Assets
0.01
Days Sales Outstanding
53.72
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
6.79
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
25,46
Book Value per Share
4,91
Tangible Book Value per Share
4.63
Shareholders Equity per Share
4.91
Interest Debt per Share
9.97
Debt to Equity
1.87
Debt to Assets
0.08
Net Debt to EBITDA
11.22
Current Ratio
0.06
Tangible Asset Value
3,43 Bil.
Net Current Asset Value
-77,59 Bil.
Invested Capital
-5642341000
Working Capital
-6,05 Bil.
Intangibles to Total Assets
0
Average Receivables
0,50 Bil.
Average Payables
11,87 Bil.
Average Inventory
-527502500
Debt to Market Cap
0.85

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Banca Mediolanum S.p.A. Dividends
Year Dividends Growth
2016 0
2017 1 100%
2018 1 0%
2019 1 0%
2020 2 0%
2021 3 50%
2022 1 -100%
2023 1 0%
2024 1 0%

Banca Mediolanum S.p.A. Profile

About Banca Mediolanum S.p.A.

Banca Mediolanum S.p.A. provides various banking products and services in Italy. The company offers current accounts and mortgages and loans. It also provides debit, credit, and prepaid cards; savings and investment products, such as equities and bonds, as well as trading services; and insurance and pension products and services. The company was founded in 1982 and is headquartered in Basiglio, Italy.

CEO
Mr. Massimo Antonio Doris
Employee
3.795
Address
Palazzo Meucci
Basiglio, 20079

Banca Mediolanum S.p.A. Executives & BODs

Banca Mediolanum S.p.A. Executives & BODs
# Name Age
1 Mr. Angelo Lietti
Chief Financial Officer & Manager for Preparing Corporate Accounting Documents
70
2 Mr. Ettore Parlato Spadafora
Head of Legal & Compliance Control
70
3 Lisa Maxon
Executive of Investor Relations
70
4 Mr. Luca Maria Rovere
Secretary to the Board of Directors
70
5 Mr. Massimo Antonio Doris
Chief Executive Officer & Director
70
6 Ms. Alessandra Lanzone
Head of Investor Relations
70
7 Mr. Roberto Brega
Head of Compliance
70

Banca Mediolanum S.p.A. Competitors