Mediobanca Banca di Credito Finanziario S.p.A.

LSE:0HBF Stock Report

Market Cap: €17.1b

Mediobanca Banca di Credito Finanziario Valuation

Is 0HBF undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 0HBF when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
€19.18
Fair Value
9.7% overvalued intrinsic discount
10
Number of Analysts

Below Fair Value: 0HBF (€21.04) is trading above our estimate of fair value (€19.18)

Significantly Below Fair Value: 0HBF is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0HBF?

Key metric: As 0HBF is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 0HBF. This is calculated by dividing 0HBF's market cap by their current earnings.
What is 0HBF's PE Ratio?
PE Ratio13x
Earnings€1.32b
Market Cap€17.11b

Price to Earnings Ratio vs Peers

How does 0HBF's PE Ratio compare to its peers?

The above table shows the PE ratio for 0HBF vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average8.3x
STAN Standard Chartered
9.6x10.60%UK£26.9b
NWG NatWest Group
8.6x3.14%UK£40.2b
LLOY Lloyds Banking Group
11.6x14.93%UK£44.6b
HSBK Halyk Bank of Kazakhstan
3.5x8.59%US$6.3b
0HBF Mediobanca Banca di Credito Finanziario
13x3.57%€17.1b

Price-To-Earnings vs Peers: 0HBF is expensive based on its Price-To-Earnings Ratio (13x) compared to the peer average (8.3x).

Price to Earnings Ratio vs Industry

How does 0HBF's PE Ratio compare vs other companies in the European Banks Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
0HBF 13.0xIndustry Avg. 9.0xNo. of Companies43PE0612182430+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 0HBF is expensive based on its Price-To-Earnings Ratio (13x) compared to the European Banks industry average (9x).

Price to Earnings Ratio vs Fair Ratio

What is 0HBF's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

0HBF PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio13x
Fair PE Ratio7.3x

Price-To-Earnings vs Fair Ratio: 0HBF is expensive based on its Price-To-Earnings Ratio (13x) compared to the estimated Fair Price-To-Earnings Ratio (7.3x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 0HBF forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€21.04
€18.48
-12.14%
9.65%€21.00€15.00n/a10
May ’26€17.89
€17.37
-2.90%
8.62%€21.00€15.00n/a13
Apr ’26€17.62
€17.19
-2.43%
9.50%€21.00€15.00n/a13
Mar ’26€17.15
€17.11
-0.24%
8.57%€20.00€15.00n/a13
Feb ’26€15.86
€16.09
+1.43%
7.76%€18.60€14.60n/a13
Jan ’26€14.11
€15.80
+12.02%
5.95%€17.80€14.60n/a14
Dec ’25€13.80
€15.86
+15.00%
6.00%€17.80€14.60n/a14
Nov ’25€15.30
€15.98
+4.45%
6.30%€18.20€14.30n/a14
Oct ’25€15.16
€15.50
+2.23%
10.49%€18.20€11.10n/a14
Sep ’25€15.25
€15.46
+1.40%
10.62%€18.20€11.10n/a14
Aug ’25€14.36
€15.12
+5.34%
11.22%€18.20€11.10n/a14
Jul ’25€14.07
€14.80
+5.19%
11.13%€18.20€11.10n/a14
Jun ’25€14.52
€14.69
+1.20%
10.32%€16.90€10.90n/a14
May ’25€13.45
€14.00
+4.09%
10.22%€16.40€10.90€17.8914
Apr ’25€13.81
€13.22
-4.33%
11.70%€16.40€9.90€17.6214
Mar ’25€12.63
€12.91
+2.18%
9.60%€14.70€9.90€17.1513
Feb ’25€12.14
€12.79
+5.34%
9.02%€14.70€9.90€15.8613
Jan ’25€11.19
€12.67
+13.21%
8.82%€14.70€9.90€14.1113
Dec ’24€10.80
€12.76
+18.11%
8.94%€14.70€9.90€13.8013
Nov ’24€11.27
€12.80
+13.65%
9.03%€14.70€9.90€15.3013
Oct ’24€12.55
€12.92
+2.94%
7.50%€14.70€11.30€15.1613
Sep ’24€12.16
€12.71
+4.50%
7.59%€14.70€11.30€15.2513
Aug ’24€11.97
€12.42
+3.78%
8.40%€14.70€10.10€14.3613
Jul ’24€10.96
€11.81
+7.73%
9.25%€14.30€10.10€14.0713
Jun ’24€10.49
€11.61
+10.68%
9.45%€14.30€10.10€14.5212
May ’24€9.83
€11.17
+13.71%
8.28%€13.00€9.80€13.4512
AnalystConsensusTarget
Consensus Narrative from 10 Analysts
€18.51
Fair Value
13.6% overvalued intrinsic discount
10
Number of Analysts

Analyst Forecast: Target price is lower than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/05/16 19:10
End of Day Share Price 2025/05/16 00:00
Earnings2025/03/31
Annual Earnings2024/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Mediobanca Banca di Credito Finanziario S.p.A. is covered by 25 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Luigi TramontanaBanca Akros S.p.A. (ESN)
Paola SabbioneBarclays
Domenico SantoroBNP Paribas Exane