(MB) Mediobanca Banca di Credito - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: MI (Italy) | Market Cap: 16.655m EUR | Total Return: 9.2% in 12m
Avg Turnover: 17.8M
Warnings
Fakeout
Tailwinds
Supp Ema8, Supp Ema20
Mediobanca Banca di Credito Finanziario S.p.A. is a Milan-based financial institution providing a diversified range of banking services across Europe, the United States, and Asia. The company operates through specialized divisions including Wealth Management, Consumer Finance, Corporate and Investment Banking, and Insurance-Principal Investing. Its business model integrates traditional lending and advisory services with a significant focus on equity investments and asset management for private and premier clients.
The Italian banking sector is characterized by high consolidation and a strong emphasis on consumer credit, where Mediobanca maintains a presence through products like salary-backed loans and buy-now-pay-later solutions. Unlike many pure-play retail banks, Mediobanca’s Principal Investing segment allows it to hold strategic equity stakes, creating a unique revenue stream tied to the performance of its investment portfolio. Investors may find it useful to examine ValueRay for deeper insights into the companys valuation metrics.
Founded in 1946, the firm also handles treasury and liquidity management through its Holding Functions segment. This multifaceted structure enables the bank to capture value across the entire credit cycle, from consumer lending to complex corporate capital market transactions.
- Generali stake dividends and valuation drive significant insurance segment earnings
- Wealth management fee growth offsets cyclical investment banking revenue volatility
- Higher interest rates boost net interest income within consumer finance lending
- Strategic shift toward capital-light advisory services improves overall return on equity
- Italian sovereign bond exposure creates sensitivity to national credit risk spreads
| Net Income: 1.17b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.51 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.01 > 3% & CFO 1.33b > Net Income 1.17b |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last fiscal year (NaN) vs prev NaN% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 3.06% > 50% (prev 2.95%; Δ 0.11% > 0%) |
| Interest Coverage Ratio: 2.80 > 6 (EBITDA TTM 1.75b / Interest Expense TTM 586.4m) |
As of May 24, 2026, the stock is trading at EUR 20.65 with a total of 965,729 shares traded.
Over the past week, the price has changed by +2.59%,
over one month by +6.52%,
over three months by +13.26% and
over the past year by +9.20%.
Mediobanca Banca di Credito has no consensus analysts rating.
P/E Trailing = 14.0476
P/E Forward = 8.3126
P/S = 6.4179
P/B = 1.4218
P/EG = 1.0162
Revenue TTM = 3.04b EUR
EBIT TTM = 1.64b EUR
EBITDA TTM = 1.75b EUR
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 15.0b EUR (16.7b + (null Debt) - CCE 1.66b)
Interest Coverage Ratio = 2.80 (Ebit TTM 1.64b / Interest Expense TTM 586.4m)
EV/FCF = 11.27x (Enterprise Value 15.0b / FCF TTM 1.33b)
FCF Yield = 8.87% (FCF TTM 1.33b / Enterprise Value 15.0b)
FCF Margin = 43.71% (FCF TTM 1.33b / Revenue TTM 3.04b)
Net Margin = 38.61% (Net Income TTM 1.17b / Revenue TTM 3.04b)
Gross Margin = unknown ((Revenue TTM 3.04b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.14 (Enterprise Value 15.0b / Total Assets 104b)
Interest Expense / Debt = unknown (Interest Expense 586.4m / Debt none)
Taxrate = 24.01% (105.3m / 438.6m)
NOPAT = 1.25b (EBIT 1.64b * (1 - 24.01%))
Current Ratio = unknown (Total Current Assets 1.66b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 1.75b)
Debt / FCF = unknown (Net Debt none / FCF TTM 1.33b)
Total Stockholder Equity = 11.2b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.18% (Net Income 1.17b / Total Assets 104b)
RoE = 10.51% (Net Income TTM 1.17b / Total Stockholder Equity 11.2b)
RoCE = unknown (EBIT 1.64b / Capital Employed )
RoIC = unknown (NOPAT 1.25b, Invested Capital 0.0, EBIT 1.64b)
WACC = 8.26% (E(16.7b)/V(16.7b) * Re(8.26%) + (debt-free company))
Discount Rate = 8.26% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -55.56 | Cagr: -2.38%
[DCF] Terminal Value 73.10% ; FCFF base≈1.47b ; Y1≈1.29b ; Y5≈1.04b
[DCF] Fair Price = 20.75 (EV 16.7b - Net Debt 0.0 = Equity 16.7b / Shares 806.5m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 95.88 | EPS CAGR: 21.44% | SUE: -1.47 | # QB: -1
Revenue Correlation: 99.99 | Revenue CAGR: 13.70% | SUE: N/A | # QB: 0
EPS current Year (2026-06-30): EPS=1.79 | Chg30d=+2.51% | Revisions=-43% | GrowthEPS=+9.4% | GrowthRev=+6.6%
EPS next Year (2027-06-30): EPS=1.87 | Chg30d=+3.27% | Revisions=-43% | GrowthEPS=+4.4% | GrowthRev=+4.4%
[Analyst] Revisions Ratio: -43%