Mediobanca Banca di Credito Finanziario S.p.A., together with its subsidiaries, provides various banking products and services in Italy and internationally.
Average dividend payer and fair value.
Share Price & News
How has Mediobanca Banca di Credito Finanziario's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 0HBF has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: 0HBF exceeded the UK Banks industry which returned -6.7% over the past year.
Return vs Market: 0HBF matched the UK Market which returned 6% over the past year.
Price Volatility Vs. Market
How volatile is Mediobanca Banca di Credito Finanziario's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Mediobanca Banca di Credito Finanziario undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: 0HBF (€8.85) is trading below our estimate of fair value (€9.46)
Significantly Below Fair Value: 0HBF is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: 0HBF is poor value based on its PE Ratio (9.1x) compared to the Banks industry average (8.9x).
PE vs Market: 0HBF is good value based on its PE Ratio (9.1x) compared to the UK market (18.6x).
Price to Earnings Growth Ratio
PEG Ratio: 0HBF is poor value based on its PEG Ratio (9.6x)
Price to Book Ratio
PB vs Industry: 0HBF is good value based on its PB Ratio (0.7x) compared to the GB Banks industry average (0.8x).
How is Mediobanca Banca di Credito Finanziario forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 0HBF's forecast earnings growth (1% per year) is above the savings rate (0.5%).
Earnings vs Market: 0HBF's earnings (1% per year) are forecast to grow slower than the UK market (13.1% per year).
High Growth Earnings: 0HBF's earnings are forecast to grow, but not significantly.
Revenue vs Market: 0HBF's revenue (4.2% per year) is forecast to grow faster than the UK market (3.8% per year).
High Growth Revenue: 0HBF's revenue (4.2% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 0HBF's Return on Equity is forecast to be low in 3 years time (8.6%).
How has Mediobanca Banca di Credito Finanziario performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 0HBF has high quality earnings.
Growing Profit Margin: 0HBF's current net profit margins (37.3%) are lower than last year (38.5%).
Past Earnings Growth Analysis
Earnings Trend: 0HBF's earnings have grown by 10.1% per year over the past 5 years.
Accelerating Growth: 0HBF's earnings growth over the past year (0.2%) is below its 5-year average (10.1% per year).
Earnings vs Industry: 0HBF earnings growth over the past year (0.2%) underperformed the Banks industry 26.6%.
Return on Equity
High ROE: 0HBF's Return on Equity (8.1%) is considered low.
Return on Assets
Return on Capital Employed
How is Mediobanca Banca di Credito Finanziario's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: 0HBF has a low level of unsold assets or inventory.
Debt Coverage by Assets: 0HBF's debt is not covered by short term assets (assets are 0.5x debt).
Financial Institutions Analysis
Asset Level: 0HBF's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if 0HBF has a sufficient allowance for bad loans.
Low Risk Liabilities: 0HBF's liabilities are made up of primarily higher risk sources of funding.
Loan Level: 0HBF has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 0HBF has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: 0HBF has a high level of bad loans (4.13%)
What is Mediobanca Banca di Credito Finanziario's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: 0HBF's dividend (5.37%) is higher than the bottom 25% of dividend payers in the UK market (1.8%).
High Dividend: 0HBF's dividend (5.37%) is in the top 25% of dividend payers in the UK market (5.03%)
Stability and Growth of Payments
Stable Dividend: 0HBF has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: 0HBF's dividend payments have increased, but the company has only paid a dividend for 9 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (49%), 0HBF's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 0HBF's dividends in 3 years are forecast to be covered by earnings (56.4% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Alberto Nagel (54yo)
Mr. Alberto Nicola Nagel has been the Chief Executive Officer at Mediobanca Banca di Credito Finanziario S.p.A. since October 2008 and serves as its Co-Head of CIB. Mr. Nagel served as Chief Executive Offi ...
CEO Compensation Analysis
Compensation vs Market: Alberto's total compensation ($USD3.60M) is about average for companies of similar size in the UK market ($USD3.30M).
Compensation vs Earnings: Alberto's compensation has been consistent with company performance over the past year.
|CEO & Director||11.3yrs||€3.31m||0.32% €24.7m|
|GM & Director||11.3yrs||€3.38m||0.12% €9.5m|
|Head of Company Financial Reporting||0yrs||no data||no data|
|Head of the Principal Investing Division and Central Manager||9.8yrs||no data||no data|
|Executive Chairman of Corporate & Investment Banking and Co-Head of CIB||1.8yrs||no data||no data|
|Head of Group Investor Relations & Strategic Corporate Development||0yrs||no data||no data|
|Head of CIB Rome & Public Institutions and Head of European Equity Research||0yrs||no data||no data|
|Head of Germany Unit||7yrs||no data||no data|
|Head of Equity Capital Markets Syndicate||0yrs||no data||no data|
|Vice Chairman of Strategic Development for Europe||7yrs||no data||no data|
Experienced Management: 0HBF's management team is seasoned and experienced (7 years average tenure).
|CEO & Director||11.3yrs||€3.31m||0.32% €24.7m|
|GM & Director||11.3yrs||€3.38m||0.12% €9.5m|
|Deputy Chairman of the Board||5.3yrs||€225.00k||no data|
|Independent Director||8.3yrs||€220.00k||no data|
|Deputy Chairman of the Board||2.3yrs||€165.00k||0.54% €41.2m|
|Independent Director||5.3yrs||€220.00k||0.27% €20.7m|
|Independent Director||2.3yrs||€190.00k||no data|
|Independent Director||5.3yrs||€120.00k||no data|
|Chairman of Statutory Audit Committee||8.3yrs||€133.43k||no data|
Experienced Board: 0HBF's board of directors are considered experienced (6.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: 0HBF insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Mediobanca Banca di Credito Finanziario S.p.A.'s company bio, employee growth, exchange listings and data sources
- Name: Mediobanca Banca di Credito Finanziario S.p.A.
- Ticker: 0HBF
- Exchange: LSE
- Founded: 1946
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: €7.646b
- Shares outstanding: 868.32m
- Website: https://www.mediobanca.com
Number of Employees
- Mediobanca Banca di Credito Finanziario S.p.A.
- Piazzetta Enrico Cuccia, 1
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|MB||BIT (Borsa Italiana)||Yes||Ordinary Registered Shares||IT||EUR||Jan 1992|
|ME9||DB (Deutsche Boerse AG)||Yes||Ordinary Registered Shares||DE||EUR||Jan 1992|
|0HBF||LSE (London Stock Exchange)||Yes||Ordinary Registered Shares||GB||EUR||Jan 1992|
|MDIB.F||OTCPK (Pink Sheets LLC)||Yes||Ordinary Registered Shares||US||USD||Jan 1992|
|MBM||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Ordinary Registered Shares||GB||EUR||Jan 1992|
|MB||WBAG (Wiener Boerse AG)||Yes||Ordinary Registered Shares||AT||EUR||Jan 1992|
|MDIB.Y||OTCPK (Pink Sheets LLC)||UNSPONSORED ADR||US||USD||Oct 2008|
Mediobanca Banca di Credito Finanziario S.p.A., together with its subsidiaries, provides various banking products and services in Italy and internationally. It operates through five segments: Corporate & Investment Banking, Consumer Banking, Wealth Management, Principal Investing, and Holding Functions. The Corporate & Investment Banking segment offers wholesale banking 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 Consumer Banking segment provides a range of consumer credit products comprising personal loans and salary-backed finances; asset finance services for cars and motorcycles, consumer electronics, furniture, and travel; payment services that include credit cards; and home insurance products to retail clients. The Wealth Management segment offers asset management and other services to private clients and high net worth individuals, and affluent and premier customers. The Principal Investing segment engages in the equity investment and holding activities. The Holding Functions segment operates treasury and ALM operations. The company was founded in 1946 and is headquartered in Milan, Italy.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/25 21:01|
|End of Day Share Price||2020/02/25 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.