Mediobanca Banca di Credito Finanziario S.p.A. Logo

Mediobanca Banca di Credito Finanziario S.p.A.

MB.MI

(2.8)
Stock Price

14,31 EUR

1.62% ROA

14.65% ROE

7.85x PER

Market Cap.

12.523.740.561,00 EUR

63.33% DER

8.98% Yield

41.37% NPM

Mediobanca Banca di Credito Finanziario S.p.A. Stock Analysis

Mediobanca Banca di Credito Finanziario 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.

Mediobanca Banca di Credito Finanziario S.p.A. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.91x), the stock offers substantial upside potential at a bargain price.

2 Net Profit Growth

This company has consistently achieved strong net profit growth over the past five years, demonstrating a solid financial performance and making it an appealing investment option.

3 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 ROE

The stock's ROE falls within an average range (10.55%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (1.21%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (36), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 DER

The company has a high debt to equity ratio (213%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

10 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

11 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

Mediobanca Banca di Credito Finanziario 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.

Mediobanca Banca di Credito Finanziario S.p.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

Mediobanca Banca di Credito Finanziario 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.

Mediobanca Banca di Credito Finanziario S.p.A. Revenue
Year Revenue Growth
2004 1.027.801.000
2005 1.282.608.000 19.87%
2006 1.390.722.000 7.77%
2007 1.449.616.000 4.06%
2008 1.636.908.000 11.44%
2009 1.677.827.000 2.44%
2010 1.717.080.000 2.29%
2011 1.516.005.000 -13.26%
2012 1.528.961.000 0.85%
2013 1.574.085.000 2.87%
2014 1.818.560.000 13.44%
2015 1.837.698.000 1.04%
2016 1.979.025.000 7.14%
2017 2.190.745.000 9.66%
2018 2.272.820.000 3.61%
2019 2.327.355.000 2.34%
2020 2.585.540.000 9.99%
2021 2.513.784.000 -2.85%
2022 2.850.600.000 11.82%
2023 6.122.372.000 53.44%

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.

Mediobanca Banca di Credito Finanziario 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%

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.

Mediobanca Banca di Credito Finanziario S.p.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 148.809.000
2005 173.072.000 14.02%
2006 200.297.000 13.59%
2007 268.778.000 25.48%
2008 388.384.000 30.8%
2009 399.721.000 2.84%
2010 414.418.000 3.55%
2011 390.971.000 -6%
2012 218.741.000 -78.74%
2013 238.133.000 8.14%
2014 265.608.000 10.34%
2015 367.959.000 27.82%
2016 433.144.000 15.05%
2017 410.005.000 -5.64%
2018 447.715.000 8.42%
2019 432.019.000 -3.63%
2020 447.379.000 3.43%
2021 472.877.000 5.39%
2022 684.800.000 30.95%
2023 744.400.000 8.01%

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.

Mediobanca Banca di Credito Finanziario S.p.A. EBITDA
Year EBITDA Growth
2004 1.733.761.000
2005 2.261.490.000 23.34%
2006 2.998.085.000 24.57%
2007 3.075.683.000 2.52%
2008 2.320.044.000 -32.57%
2009 2.385.716.000 2.75%
2010 2.247.128.000 -6.17%
2011 2.199.969.000 -2.14%
2012 1.678.520.000 -31.07%
2013 1.861.869.000 9.85%
2014 1.742.304.000 -6.86%
2015 1.476.695.000 -17.99%
2016 1.605.442.000 8.02%
2017 1.666.680.000 3.67%
2018 1.079.554.000 -54.39%
2019 813.886.000 -32.64%
2020 1.079.357.000 24.6%
2021 1.158.972.000 6.87%
2022 1.421.541.000 18.47%
2023 -252.000.000 664.1%

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.

Mediobanca Banca di Credito Finanziario S.p.A. Gross Profit
Year Gross Profit Growth
2004 1.027.801.000
2005 1.282.608.000 19.87%
2006 1.390.722.000 7.77%
2007 1.449.616.000 4.06%
2008 1.636.908.000 11.44%
2009 1.677.827.000 2.44%
2010 1.717.080.000 2.29%
2011 1.516.005.000 -13.26%
2012 1.528.961.000 0.85%
2013 1.574.085.000 2.87%
2014 1.818.560.000 13.44%
2015 1.837.698.000 1.04%
2016 1.979.025.000 7.14%
2017 2.190.745.000 9.66%
2018 2.272.820.000 3.61%
2019 2.327.355.000 2.34%
2020 2.585.540.000 9.99%
2021 2.513.784.000 -2.85%
2022 2.850.600.000 11.82%
2023 6.120.772.000 53.43%

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.

Mediobanca Banca di Credito Finanziario S.p.A. Net Profit
Year Net Profit Growth
2004 713.953.000
2005 858.403.000 16.83%
2006 953.248.000 9.95%
2007 1.014.832.000 6.07%
2008 2.409.000 -42026.69%
2009 400.855.000 99.4%
2010 368.592.000 -8.75%
2011 80.887.000 -355.69%
2012 -179.825.000 144.98%
2013 464.777.000 138.69%
2014 589.751.000 21.19%
2015 604.550.000 2.45%
2016 750.200.000 19.41%
2017 863.920.000 13.16%
2018 823.025.000 -4.97%
2019 600.382.000 -37.08%
2020 807.576.000 25.66%
2021 906.977.000 10.96%
2022 1.026.796.000 11.67%
2023 2.648.884.000 61.24%

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.

Mediobanca Banca di Credito Finanziario S.p.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 1
2005 1 100%
2006 1 0%
2007 1 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 100%
2022 1 0%
2023 3 66.67%

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.

Mediobanca Banca di Credito Finanziario S.p.A. Free Cashflow
Year Free Cashflow Growth
2004 74.499.000
2005 501.868.000 85.16%
2006 556.200.000 9.77%
2007 889.495.000 37.47%
2008 515.097.000 -72.68%
2009 80.485.000 -539.99%
2010 451.007.000 82.15%
2011 164.577.000 -174.04%
2012 28.988.000 -467.74%
2013 113.718.000 74.51%
2014 -366.564.000 131.02%
2015 774.689.000 147.32%
2016 965.828.000 19.79%
2017 351.805.000 -174.54%
2018 -12.883.000 2830.77%
2019 2.892.557.000 100.45%
2020 -1.454.269.000 298.9%
2021 5.804.292.000 125.06%
2022 -3.237.158.000 279.3%
2023 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.

Mediobanca Banca di Credito Finanziario S.p.A. Operating Cashflow
Year Operating Cashflow Growth
2004 80.160.000
2005 507.296.000 84.2%
2006 567.081.000 10.54%
2007 906.490.000 37.44%
2008 532.434.000 -70.25%
2009 120.002.000 -343.69%
2010 487.705.000 75.39%
2011 235.377.000 -107.2%
2012 54.136.000 -334.79%
2013 162.723.000 66.73%
2014 -319.596.000 150.92%
2015 854.473.000 137.4%
2016 1.113.408.000 23.26%
2017 381.323.000 -191.99%
2018 12.864.000 -2864.26%
2019 2.941.331.000 99.56%
2020 -1.399.394.000 310.19%
2021 5.862.912.000 123.87%
2022 -3.160.960.000 285.48%
2023 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.

Mediobanca Banca di Credito Finanziario S.p.A. Capital Expenditure
Year Capital Expenditure Growth
2004 5.661.000
2005 5.428.000 -4.29%
2006 10.881.000 50.11%
2007 16.995.000 35.98%
2008 17.337.000 1.97%
2009 39.517.000 56.13%
2010 36.698.000 -7.68%
2011 70.800.000 48.17%
2012 25.148.000 -181.53%
2013 49.005.000 48.68%
2014 46.968.000 -4.34%
2015 79.784.000 41.13%
2016 147.580.000 45.94%
2017 29.518.000 -399.97%
2018 25.747.000 -14.65%
2019 48.774.000 47.21%
2020 54.875.000 11.12%
2021 58.620.000 6.39%
2022 76.198.000 23.07%
2023 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.

Mediobanca Banca di Credito Finanziario S.p.A. Equity
Year Equity Growth
2004 5.847.428.000
2005 6.834.410.000 14.44%
2006 7.891.148.000 13.39%
2007 6.863.870.000 -14.97%
2008 5.809.303.000 -18.15%
2009 6.834.499.000 15%
2010 7.027.820.000 2.75%
2011 6.608.925.000 -6.34%
2012 6.948.132.000 4.88%
2013 7.942.669.000 12.52%
2014 8.867.098.000 10.43%
2015 8.921.846.000 0.61%
2016 9.191.662.000 2.94%
2017 9.732.205.000 5.55%
2018 9.898.885.000 1.68%
2019 9.740.073.000 -1.63%
2020 11.101.130.000 12.26%
2021 10.748.842.000 -3.28%
2022 11.429.200.000 5.95%
2023 10.884.800.000 -5%

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.

Mediobanca Banca di Credito Finanziario S.p.A. Assets
Year Assets Growth
2004 38.225.198.000
2005 46.116.553.000 17.11%
2006 57.839.702.000 20.27%
2007 64.468.085.000 10.28%
2008 73.890.480.000 12.75%
2009 76.501.178.000 3.41%
2010 75.391.501.000 -1.47%
2011 78.679.128.000 4.18%
2012 72.841.306.000 -8.01%
2013 70.463.988.000 -3.37%
2014 70.710.618.000 0.35%
2015 69.818.605.000 -1.28%
2016 70.445.564.000 0.89%
2017 72.300.522.000 2.57%
2018 78.244.729.000 7.6%
2019 78.949.665.000 0.89%
2020 82.598.700.000 4.42%
2021 90.568.420.000 8.8%
2022 91.639.000.000 1.17%
2023 99.226.300.000 7.65%

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.

Mediobanca Banca di Credito Finanziario S.p.A. Liabilities
Year Liabilities Growth
2004 32.377.770.000
2005 39.282.143.000 17.58%
2006 49.948.554.000 21.35%
2007 57.604.215.000 13.29%
2008 68.081.177.000 15.39%
2009 69.666.679.000 2.28%
2010 68.363.681.000 -1.91%
2011 72.070.203.000 5.14%
2012 65.893.174.000 -9.37%
2013 62.521.319.000 -5.39%
2014 61.843.520.000 -1.1%
2015 60.896.759.000 -1.55%
2016 61.253.902.000 0.58%
2017 62.568.317.000 2.1%
2018 68.345.844.000 8.45%
2019 69.209.592.000 1.25%
2020 71.497.570.000 3.2%
2021 79.819.578.000 10.43%
2022 31.963.297.000 -149.72%
2023 87.983.100.000 63.67%

Mediobanca Banca di Credito Finanziario S.p.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
4.67
Net Income per Share
1.93
Price to Earning Ratio
7.85x
Price To Sales Ratio
3.22x
POCF Ratio
14.49
PFCF Ratio
15.05
Price to Book Ratio
1.17
EV to Sales
6.74
EV Over EBITDA
34.52
EV to Operating CashFlow
30.08
EV to FreeCashFlow
31.5
Earnings Yield
0.13
FreeCashFlow Yield
0.07
Market Cap
12,52 Bil.
Enterprise Value
26,20 Bil.
Graham Number
23.73
Graham NetNet
-113.84

Income Statement Metrics

Net Income per Share
1.93
Income Quality
0.68
ROE
0.15
Return On Assets
0.02
Return On Capital Employed
0.02
Net Income per EBT
0.84
EBT Per Ebit
1.07
Ebit per Revenue
0.46
Effective Tax Rate
0.29

Margins

Sales, General, & Administrative to Revenue
0.19
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.46
Pretax Profit Margin
0.49
Net Profit Margin
0.41

Dividends

Dividend Yield
0.09
Dividend Yield %
8.98
Payout Ratio
0.45
Dividend Per Share
1.36

Operating Metrics

Operating Cashflow per Share
1.05
Free CashFlow per Share
1
Capex to Operating CashFlow
0.04
Capex to Revenue
0.01
Capex to Depreciation
0.42
Return on Invested Capital
0.07
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.05

Balance Sheet

Cash per Share
-8,21
Book Value per Share
13,50
Tangible Book Value per Share
13.5
Shareholders Equity per Share
12.96
Interest Debt per Share
8.6
Debt to Equity
0.63
Debt to Assets
0.07
Net Debt to EBITDA
18.02
Current Ratio
1.62
Tangible Asset Value
11,24 Bil.
Net Current Asset Value
-72,57 Bil.
Invested Capital
7499800000
Working Capital
5,90 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.55

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.

Mediobanca Banca di Credito Finanziario S.p.A. Dividends
Year Dividends Growth
1987 2.000
1988 190 -952.63%
1989 190 0%
1990 190 0%
1991 190 0%
1992 190 0%
1993 190 0%
1994 190 0%
1995 190 0%
1996 190 0%
1997 190 0%
1998 214 11.21%
1999 214 0%
2000 238 10.08%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 1 0%
2007 1 0%
2008 1 0%
2010 0 0%
2011 0 0%
2012 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 100%

Mediobanca Banca di Credito Finanziario S.p.A. Profile

About Mediobanca Banca di Credito Finanziario S.p.A.

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 Banking, Principal Investing, and Holding Functions segments. The Wealth Management segment offers asset management and other services to private clients, and affluent and premier customers. The Consumer Banking segment provides a range of consumer credit products comprising personal loans and salary-backed finances; personal loan services for cars and motorcycles, consumer electronics, furniture, and travel; payment services that include credit cards and salary-backed loans; insurance products; and instalment payment solutions for online purchases. The Corporate and Investment Banking segment offers wholesale banking products and services, including lending, advisory, capital market, and proprietary trading services; and specialty finance services, such as factoring and credit management, as well as non-performing loans portfolio acquisitions and management. The Principal Investing segment engages in the equity investment and holding activities. The Holding Functions segment engages in treasury, and asset and liability management operations. The company was founded in 1946 and is headquartered in Milan, Italy.

CEO
Mr. Alberto Nicola Nagel
Employee
5.443
Address
Piazzetta Enrico Cuccia, 1
Milan, 20121

Mediobanca Banca di Credito Finanziario S.p.A. Executives & BODs

Mediobanca Banca di Credito Finanziario S.p.A. Executives & BODs
# Name Age
1 Mr. Clemente Rebecchini
Head of the Principal Investing Division and Central Manager
70
2 Mr. Francisco Bachiller
Executive Chairman of Corporate & Investment Banking and Co-Head of CIB
70
3 Ms. Jessica Spina
Head of Group Investor Relations & Strategic Corporate Development
70
4 Mr. Francesco Saverio Vinci
GM & Director
70
5 Mr. Antonio Guglielmi
Head of CIB Rome & Public Institutions and Head of European Equity Research
70
6 Philippe Deneux
Head of France & Benelux
70
7 Emanuele Flappini
Head of Company Financial Reporting
70
8 Mr. Jean-Marie Messier
Co-Head of Global Coverage
70
9 Mr. Stefano Rangone
Co-Head of Global Coverage & Head of Equity Capital Markets
70
10 Mr. Alberto Nicola Nagel
Chief Executive Officer & Director
70

Mediobanca Banca di Credito Finanziario S.p.A. Competitors