MB Stock Analysis: Mediobanca Banca di Credito | MI
Banks - Regional | MI, Italy | Market Cap: 21.534m EUR | 12M Return: 52.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 17.7M
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Mediobanca is an Italian diversified financial group headquartered in Milan, founded in 1946 and operating across Europe, the United States, and Asia. It is listed on the Milan Stock Exchange (ticker: MB) and, according to public filings, operates as a subsidiary of Banca Monte dei Paschi di Siena, one of the worlds oldest banking institutions. The group reports through five segments: Wealth Management, Consumer Finance, Corporate and Investment Banking, Insurance – Principal Investing, and Holding Functions.
The Wealth Management segment serves private banking and premier clients with portfolio and asset management services, placing Mediobanca within Italys sizable private banking industry. The Consumer Finance segment offers personal loans, special-purpose loans, salary- and pension-backed lending, credit cards, and the Pagolight buy-now-pay-later platform, reflecting the banks positioning in both traditional consumer credit and the growth of digital point-of-sale financing. The Corporate and Investment Banking segment provides lending, capital markets, advisory, and trading services alongside specialty finance such as factoring and credit management.
Mediobancas mix of investment banking, private wealth, consumer credit, and insurance principal investing reflects the universal banking model common among larger Italian financial institutions. The Insurance – Principal Investing segment holds equity investments on its own balance sheet, while the Holding Functions segment manages treasury and asset/liability management.
- MPS takeover bid completes ownership transfer of Mediobanca
- Generali stake performance drives Insurance Principal Investing segment
- Wealth Management AUM growth supports fee income expansion
| Net Income: 1.17b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.0 > 0.02 and ΔFCF/TA -0.35 > 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: 2.99% > 50% (prev 2.81%; Δ 0.18% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBIT TTM and Interest Expense TTM) |
As of July 08, 2026, the stock is trading at EUR 26.59 with a total of 531,725 shares traded. Over the past week, the price has changed by +1.96%, over one month by +9.83%, over three months by +66.17% and over the past year by +52.13%.
Current recommended Stop Loss: 25.90 (which is 2.6% or 1.3 ATR below the current price).
Mediobanca Banca di Credito has no consensus analysts rating.
P/E Trailing = 18.1633
P/E Forward = 8.3126
P/S = 8.2982
P/B = 1.797
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 = 19.9b EUR (21.5b + (null Debt) - CCE 1.66b)
Interest Coverage Ratio = unknown (Ebit TTM 1.64b / Interest Expense TTM 0.0)
EV/FCF = unknown (FCF TTM 0.0)
FCF Yield = 0.0% (FCF TTM 0.0 / Enterprise Value 19.9b)
FCF Margin = 0.0% (FCF TTM 0.0 / 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 = 0.19 (Enterprise Value 19.9b / Total Assets 104b)
Interest Expense / Debt = unknown (Interest Expense 0.0 / Debt none)
Taxrate = 27.38% (450.3m / 1.64b)
NOPAT = 1.19b (EBIT 1.64b * (1 - 27.38%))
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 0.0)
Total Stockholder Equity = 11.2b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.16% (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 1.19b, Invested Capital 0.0, EBIT 1.64b)
WACC = 7.76% (E(21.5b)/V(21.5b) * Re(7.76%) + (debt-free company))
Discount Rate = 7.76% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -55.56 | Cagr: -2.38%
[DCF] Fair Price = unknown (Cash Flow 0.0)
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 Quarter (2025-09-30): EPS=0.41 | Chg30d=N/A | Revisions=+0% | Analysts=1
EPS next Quarter (2025-12-31): EPS=0.00 | Chg30d=N/A | Revisions=N/A | Analysts=0
EPS current Year (2026-06-30): EPS=1.79 | Chg30d=+2.51% | Revisions=-50% | GrowthEPS=+9.4% | GrowthRev=+6.6%
EPS next Year (2026-12-31): EPS=1.65 | Chg30d=+1.50% | Revisions=+57% | GrowthEPS=+0.0% | GrowthRev=+3.8%
[Analyst] Revisions Ratio: +10% (up=4, down=3)