MB Stock Analysis: Mediobanca Banca di Credito | MI
Banks - Regional | MI, Italy | Market Cap: 22.107m EUR | 12M Return: 65.1% | IT0000062957 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 8.76M
EPS Trend: 95.9%
Qual. Beats: -1
Rev. Trend: -11.7%
Qual. Beats: -1
Warnings
No concerns identified
Tailwinds
Seasonality 11.7 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 Banca di Credito Finanziario S.p.A. is a diversified Italian financial group headquartered in Milan, founded in 1946 and operating as a subsidiary of Banca Monte dei Paschi di Siena S.p.A. The bank conducts business across Italy, other European countries, the United States, and Asia through five reporting 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 management, asset management, and related services. The Consumer Finance segment offers personal and special-purpose loans, salary- or pension-backed finance, credit cards, and Pagolight, a buy-now-pay-later product. As an established trend in European consumer finance, BNPL offerings like Pagolight allow merchants to provide point-of-sale installment credit to retail customers.
The Corporate and Investment Banking segment provides lending, capital markets, advisory, and trading services, alongside specialty finance such as factoring and credit management. The Insurance – Principal Investing segment holds equity investments, while the Holding Functions segment manages treasury and asset/liability management. As a regional bank under the GICS classification, Mediobanca combines traditional retail-facing and corporate banking activities with investment-style principal investing, a hybrid model less common among pure commercial banks.
- Wealth Management AUM growth lifts recurring fee income
- Pagolight BNPL and consumer credit expansion boost loan book
- CIB advisory revenue rises on Italian M&A recovery
| Net Income: 1.27b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 2.25 > 1.0 |
| NWC/Revenue: 4.03% < 20% (prev -215.3%; Δ 219.4% < -1%) |
| CFO/TA 0.02 > 3% & CFO 2.49b > Net Income 1.27b |
| Net Debt (36.8b) to EBITDA (1.88b): 19.60 < 3 |
| Current Ratio: 1.04 > 1.5 & < 3 |
| Outstanding Shares: last quarter (806.5m) vs 12m ago -3.41% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 3.38% > 50% (prev 3.27%; Δ 0.11% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBIT TTM and Interest Expense TTM) |
| A: 0.00 (Total Current Assets 3.69b - Total Current Liabilities 3.55b) / Total Assets 110b |
| B: 0.01 (Retained Earnings 711.2m / Total Assets 110b) |
| C: 0.02 (EBIT TTM 1.76b / Avg Total Assets 107b) |
| D: 0.12 (Book Value of Equity 11.6b / Total Liabilities 98.1b) |
| Altman-Z'' = 0.26 = B |
As of October 06, 2026, the stock is trading at EUR 26.00 with a total of 4,387,117 shares traded. Over the past week, the price has changed by -10.28%, over one month by -7.41%, over three months by -2.99% and over the past year by +65.07%.
Current recommended Stop Loss: 25.20 (which is 3.1% or 1.4 ATR below the current price).
Mediobanca Banca di Credito has no consensus analysts rating.
P/E Trailing = 18.6463
P/E Forward = 8.3126
P/S = 8.1146
P/B = 2.0041
P/EG = 1.0162
Revenue TTM = 3.62b EUR
EBIT TTM = 1.76b EUR
EBITDA TTM = 1.88b EUR
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = 38.7b EUR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 36.8b EUR (calculated: Debt 38.7b - CCE 1.83b)
Enterprise Value = 58.9b EUR (22.1b + Debt 38.7b - CCE 1.83b)
Interest Coverage Ratio = unknown (Ebit TTM 1.76b / Interest Expense TTM 0.0)
EV/FCF = 23.92x (Enterprise Value 58.9b / FCF TTM 2.46b)
FCF Yield = 4.18% (FCF TTM 2.46b / Enterprise Value 58.9b)
FCF Margin = 68.17% (FCF TTM 2.46b / Revenue TTM 3.62b)
Net Margin = 35.11% (Net Income TTM 1.27b / Revenue TTM 3.62b)
Gross Margin = unknown ((Revenue TTM 3.62b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.54 (Enterprise Value 58.9b / Total Assets 110b)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 38.7b)
Taxrate = 27.65% (150.3m / 543.6m)
NOPAT = 1.28b (EBIT 1.76b * (1 - 27.65%))
Current Ratio = 1.04 (Total Current Assets 3.69b / Total Current Liabilities 3.55b)
Debt / Equity = 3.34 (Debt 38.7b / totalStockholderEquity, last quarter 11.6b)
Debt / EBITDA = 19.60 (Net Debt 36.8b / EBITDA 1.88b)
Debt / FCF = 14.95 (Net Debt 36.8b / FCF TTM 2.46b)
Total Stockholder Equity = 11.4b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.19% (Net Income 1.27b / Total Assets 110b)
RoE = 11.14% (Net Income TTM 1.27b / Total Stockholder Equity 11.4b)
RoCE = 1.66% (EBIT 1.76b / Capital Employed (Total Assets 110b - Current Liab 3.55b))
RoIC = 1.69% (EBIT 1.76b / (Assets 110b - Curr.Liab 3.55b - Cash 1.83b))
WACC = 2.73% (E(22.1b)/V(60.8b) * Re(7.50%) + D(38.7b)/V(60.8b) * Rd(0.0%) * (1-Tc(0.28)))
Discount Rate = 7.50% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -89.97 | Cagr: -1.82%
[DCF] Terminal Value 75.44% ; FCFF base≈2.46b ; Y1≈2.47b ; Y5≈2.62b
[DCF] Fair Price = 4.88 (EV 40.8b - Net Debt 36.8b = Equity 3.94b / Shares 806.5m; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 95.88 | EPS CAGR: 21.44% | SUE: -1.47 | # QB: -1
Revenue Correlation: -11.74 | Revenue CAGR: -1.27% | SUE: -2.05 | # QB: -1
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=1.72 | Chg30d=+3.13% | Revisions=+40% | GrowthEPS=+0.0% | GrowthRev=+5.7%
[Analyst] Revisions Ratio: -12% (up=2, down=3)