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Banco di Desio e della Brianza

LSE:0O5V
Snowflake Description

Adequate balance sheet and fair value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
0O5V
LSE
€258M
Market Cap
  1. Home
  2. GB
  3. Banks
Company description

Banco di Desio e della Brianza S.p.A. provides a range of banking, financial, and insurance solutions for individuals and companies in Italy and internationally. The last earnings update was 26 days ago. More info.


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0O5V Share Price and Events
7 Day Returns
0%
LSE:0O5V
0.6%
GB Banks
0.4%
GB Market
1 Year Returns
-21.9%
LSE:0O5V
-11.5%
GB Banks
0.8%
GB Market
0O5V Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Banco di Desio e della Brianza (0O5V) 0% 0% - -21.9% -26.6% -
GB Banks 0.6% -1.4% 2.4% -11.5% 17.8% -18.8%
GB Market 0.4% 1.5% 8.1% 0.8% 14.7% 1.5%
1 Year Return vs Industry and Market
  • 0O5V underperformed the Banks industry which returned -11.5% over the past year.
  • 0O5V underperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned 0.8% over the past year.
Price Volatility
0O5V
Industry
5yr Volatility vs Market

Value

 Is Banco di Desio e della Brianza undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Banco di Desio e della Brianza to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Banco di Desio e della Brianza.

LSE:0O5V Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= €6.69 * 4.1%
€0.27
Book Value of Equity per Share Median Book Value from the past 5 years. €6.69
Discount Rate (Cost of Equity) See below 19.3%
Perpetual Growth Rate 10-Year GB Government Bond Rate 1.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for LSE:0O5V
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 1.2%
Equity Risk Premium S&P Global 9%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.58
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.581 (1 + (1- 24%) (1189.9%))
4.243
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
2
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.23% + (2 * 9.02%)
19.27%

Discounted Cash Flow Calculation for LSE:0O5V using Excess Returns Model Model

The calculations below outline how an intrinsic value for Banco di Desio e della Brianza is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

LSE:0O5V Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (4.1% – 19.27%) * €6.69)
€-1.02
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= €-1.02 / (19.27% - 1.23%)
€-5.63
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= €6.69 + €-5.63
€1.05
LSE:0O5V Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in LSE:0O5V represents 0.86146x of BIT:BDB
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.86146x
Value per Share
(Listing Adjusted, EUR)
= Value per Share (EUR) x Listing Adjustment Factor
= € 1.05 x 0.86146
€0.91
Value per share (EUR) From above. €0.91
Current discount Discount to share price of €1.71
= -1 x (€1.71 - €0.91) / €0.91
-88.4%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Banco di Desio e della Brianza is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Banco di Desio e della Brianza's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Banco di Desio e della Brianza's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LSE:0O5V PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in EUR €0.27
BIT:BDB Share Price ** BIT (2019-01-02) in EUR €1.99
United Kingdom of Great Britain and Northern Ireland Banks Industry PE Ratio Median Figure of 15 Publicly-Listed Banks Companies 9.08x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 800 Publicly-Listed Companies 15.48x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Banco di Desio e della Brianza.

LSE:0O5V PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= BIT:BDB Share Price ÷ EPS (both in EUR)

= 1.99 ÷ 0.27

7.33x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Banco di Desio e della Brianza is good value based on earnings compared to the GB Banks industry average.
  • Banco di Desio e della Brianza is good value based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does Banco di Desio e della Brianza's expected growth come at a high price?
Raw Data
LSE:0O5V PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 7.33x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
22.4%per year
United Kingdom of Great Britain and Northern Ireland Banks Industry PEG Ratio Median Figure of 14 Publicly-Listed Banks Companies 0.77x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 570 Publicly-Listed Companies 1.4x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Banco di Desio e della Brianza, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Banco di Desio e della Brianza's assets?
Raw Data
LSE:0O5V PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in EUR €6.85
BIT:BDB Share Price * BIT (2019-01-02) in EUR €1.99
United Kingdom of Great Britain and Northern Ireland Banks Industry PB Ratio Median Figure of 16 Publicly-Listed Banks Companies 0.85x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,360 Publicly-Listed Companies 1.46x
LSE:0O5V PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= BIT:BDB Share Price ÷ Book Value per Share (both in EUR)

= 1.99 ÷ 6.85

0.29x

* Primary Listing of Banco di Desio e della Brianza.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Banco di Desio e della Brianza is good value based on assets compared to the GB Banks industry average.
X
Value checks
We assess Banco di Desio e della Brianza's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Banco di Desio e della Brianza has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Banco di Desio e della Brianza expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover Banco di Desio e della Brianza, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
22.4%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Banco di Desio e della Brianza expected to grow at an attractive rate?
  • Banco di Desio e della Brianza's earnings growth is expected to exceed the low risk savings rate of 1.2%.
Growth vs Market Checks
  • Banco di Desio e della Brianza's earnings growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
  • Unable to compare Banco di Desio e della Brianza's revenue growth to the United Kingdom of Great Britain and Northern Ireland market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
LSE:0O5V Future Growth Rates Data Sources
Data Point Source Value (per year)
LSE:0O5V Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 22.4%
United Kingdom of Great Britain and Northern Ireland Banks Industry Earnings Growth Rate Market Cap Weighted Average 12.5%
United Kingdom of Great Britain and Northern Ireland Banks Industry Revenue Growth Rate Market Cap Weighted Average 4.5%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 11.1%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.9%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
LSE:0O5V Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:0O5V Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2018-12-31 308 28 35
2018-09-30 321 228 40
2018-06-30 324 229 39
2018-03-31 337 45
2017-12-31 331 27 44
2017-09-30 255 16
2017-06-30 320 -285 21
2017-03-31 322 21
2016-12-31 320 -501 26
2016-09-30 277 49
2016-06-30 315 -855 42
2016-03-31 308 -893 37

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Banco di Desio e della Brianza's earnings are expected to grow significantly at over 20% yearly.
  • Unable to determine if Banco di Desio e della Brianza is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LSE:0O5V Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Banco di Desio e della Brianza Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0O5V Past Financials Data
Date (Data in EUR Millions) EPS *
2018-12-31 0.27
2018-09-30 0.31
2018-06-30 0.30
2018-03-31 0.34
2017-12-31 0.34
2017-09-30 0.12
2017-06-30 0.16
2017-03-31 0.17
2016-12-31 0.20
2016-09-30 0.39
2016-06-30 0.32
2016-03-31 0.28

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Banco di Desio e della Brianza will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Banco di Desio e della Brianza's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Banco di Desio e della Brianza has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Banco di Desio e della Brianza performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Banco di Desio e della Brianza's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Banco di Desio e della Brianza's year on year earnings growth rate has been positive over the past 5 years.
  • Banco di Desio e della Brianza's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • Banco di Desio e della Brianza's 1-year earnings growth is negative, it can't be compared to the GB Banks industry average.
Earnings and Revenue History
Banco di Desio e della Brianza's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Banco di Desio e della Brianza Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0O5V Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 308.42 35.26 272.92
2018-09-30 320.74 40.11 275.09
2018-06-30 324.13 39.14 277.50
2018-03-31 336.73 44.54 277.77
2017-12-31 331.31 43.70 278.60
2017-09-30 254.58 16.00 251.69
2017-06-30 319.88 21.42 271.98
2017-03-31 321.77 21.50 274.37
2016-12-31 319.90 25.55 276.53
2016-09-30 277.39 49.04 276.19
2016-06-30 314.99 41.75 281.13
2016-03-31 307.59 37.04 283.64
2015-12-31 309.46 38.17 277.44
2015-09-30 299.33 20.59 271.06
2015-06-30 287.35 28.21 260.17
2015-03-31 274.94 32.44 270.93
2014-12-31 277.73 40.60 237.69
2014-09-30 270.16 45.61 219.57
2014-06-30 252.58 30.69 204.85
2014-03-31 236.90 14.15 202.31
2013-12-31 210.30 -4.84 218.32
2013-09-30 198.60 -0.69 219.89
2013-06-30 213.47 6.14 231.66
2013-03-31 233.25 0.89 221.91
2012-12-31 244.77 15.67 213.00
2012-09-30 268.29 8.37 226.02
2012-06-30 278.81 14.83 224.59

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Banco di Desio e della Brianza has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Banco di Desio e della Brianza used its assets less efficiently than the GB Banks industry average last year based on Return on Assets.
  • Unable to establish if Banco di Desio e della Brianza improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Banco di Desio e della Brianza's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Banco di Desio e della Brianza has a total score of 1/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Banco di Desio e della Brianza's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Banco di Desio e della Brianza's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Banco di Desio e della Brianza Company Filings, last reported 3 months ago.

LSE:0O5V Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 936.32 3,069.80 122.12
2018-09-30 888.22 3,223.22 282.62
2018-06-30 887.55 3,277.13 317.94
2018-03-31 915.01 3,387.64 73.38
2017-12-31 979.84 3,421.32 116.71
2017-09-30 940.06 3,369.11 77.33
2017-06-30 924.97 2,909.89 88.30
2017-03-31 918.09 3,015.77 62.45
2016-12-31 918.50 2,371.46 294.32
2016-09-30 938.10 2,482.43 73.06
2016-06-30 923.67 2,660.52 118.28
2016-03-31 928.67 2,485.93 224.42
2015-12-31 922.06 2,859.58 152.76
2015-09-30 917.01 2,924.71 334.79
2015-06-30 901.83 3,081.77 229.25
2015-03-31 929.81 3,244.55 258.37
2014-12-31 900.05 3,960.75 347.10
2014-09-30 924.87 3,846.32 87.02
2014-06-30 852.59 2,585.46 618.72
2014-03-31 846.68 2,600.22 35.09
2013-12-31 818.94 3,020.21 200.39
2013-09-30 800.48 2,692.16 37.21
2013-06-30 799.40 2,694.03 258.58
2013-03-31 821.23 2,745.35 40.96
2012-12-31 828.19 2,812.35 528.44
2012-09-30 806.47 2,623.80 83.25
2012-06-30 774.91 2,760.23 201.40
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Banco di Desio e della Brianza has an acceptable proportion of non-loan assets held.
  • Banco di Desio e della Brianza's liabilities are made up of primarily low risk sources of funding.
  • Banco di Desio e della Brianza has advanced significantly more loans than the customer deposits it holds (i.e. bank has borrowed additional funds to lend).
  • Banco di Desio e della Brianza's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
  • Banco di Desio e della Brianza has a sufficient allowance for bad loans.
  • Banco di Desio e della Brianza has a high level of bad loans (greater than 2%).
X
Financial health checks
We assess Banco di Desio e della Brianza's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Banco di Desio e della Brianza has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Banco di Desio e della Brianza's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
4.23%
Current annual income from Banco di Desio e della Brianza dividends.
If you bought €2,000 of Banco di Desio e della Brianza shares you are expected to receive €85 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Banco di Desio e della Brianza's pays a higher dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.08%).
  • Banco di Desio e della Brianza's dividend is below the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.31%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
LSE:0O5V Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Banks Industry Average Dividend Yield Market Cap Weighted Average of 14 Stocks 5.3%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 701 Stocks 4.3%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1.1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2.1%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.3%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

LSE:0O5V Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2019-03-06 0.084 4.264
2018-02-09 0.100 4.967
2017-03-06 0.085 3.524
2017-02-09 0.085 3.726
2016-05-12 0.085 4.650
2016-02-11 0.085 3.492
2015-04-28 0.075 2.489
2014-04-04 0.021 0.799
2014-03-13 0.021 0.759
2013-04-08 0.036 1.705
2012-04-04 0.105 5.233
2012-03-21 0.105 3.553
2011-04-06 0.105 3.201
2011-03-22 0.105 2.725
2010-04-13 0.105 2.700
2010-04-12 0.105 2.512
2010-03-25 0.105 2.480
2009-04-02 0.105 2.395

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been volatile in the past 10 years (annual drop of over 20%).
  • Dividends per share have fallen over the past 10 years.
Current Payout to shareholders
What portion of Banco di Desio e della Brianza's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (3.2x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Banco di Desio e della Brianza's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Banco di Desio e della Brianza afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Banco di Desio e della Brianza has a total score of 2/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Banco di Desio e della Brianza's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Angelo Antoniazzi
AGE 56
TENURE AS CEO 1.8 years
CEO Bio

Mr. Angelo Antoniazzi serves as General Manager at Banco di Desio e della Brianza SpA. He served as General Manager of Banca Popolare di Spoleto S.p.A. and has been its Director since February 2019.

CEO Compensation
  • Insufficient data for Angelo to compare compensation growth.
  • Insufficient data for Angelo to establish whether their remuneration is reasonable compared to companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team

Angelo Antoniazzi

TITLE
General Manager
AGE
56
TENURE
1.8 yrs

Mauro Colombo

TITLE
Chief Financial Officer
TENURE
2.3 yrs

Giorgio Rossin

TITLE
Investor Relations

Maurizio Ballabio

TITLE
Chief Commercial Officer
Board of Directors Tenure

Average tenure and age of the Banco di Desio e della Brianza board of directors in years:

2
Average Tenure
58
Average Age
  • The average tenure for the Banco di Desio e della Brianza board of directors is less than 3 years, this suggests a new board.
Board of Directors

Stefano Lado

TITLE
Chairman of the Board
COMPENSATION
€255K
AGE
58
TENURE
2 yrs

Tommaso Cartone

TITLE
Vice Chairman of the Board
COMPENSATION
€1M
AGE
76
TENURE
2 yrs

Gerolamo Pellicanò

TITLE
Director
COMPENSATION
€95K
AGE
69
TENURE
17 yrs

Cristina Mahne

TITLE
Director
COMPENSATION
€94K
AGE
53
TENURE
5.9 yrs

Giulia Pusterla

TITLE
President of Board of Statutory Auditors
COMPENSATION
€72K
AGE
58
TENURE
2 yrs

Nicolò Dubini

TITLE
Director
TENURE
2 yrs

Paolo Gavazzi

TITLE
Director
COMPENSATION
€105K

Agostino Gavazzi

TITLE
Director
COMPENSATION
€665K
AGE
73
TENURE
17.3 yrs

Egidio Gavazzi

TITLE
Director
COMPENSATION
€105K

Marina Brogi

TITLE
Independent Director
COMPENSATION
€29K
AGE
51
TENURE
2 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
31. May 18 Buy Stefano Lado Individual 29. May 18 29. May 18 10,000 €1.97 €19,700
25. May 18 Buy Stefano Lado Individual 23. May 18 23. May 18 5,000 €2.23 €11,150
24. May 18 Buy Stefano Lado Individual 22. May 18 22. May 18 10,000 €2.24 €22,394
23. May 18 Buy Stefano Lado Individual 21. May 18 21. May 18 10,000 €2.25 €22,500
07. May 18 Buy Stefano Lado Individual 02. May 18 02. May 18 13,742 €2.35 €32,288
07. May 18 Buy Stefano Lado Individual 04. May 18 04. May 18 11,258 €2.35 €26,456
X
Management checks
We assess Banco di Desio e della Brianza's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Banco di Desio e della Brianza has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Banco di Desio e della Brianza S.p.A. provides a range of banking, financial, and insurance solutions for individuals and companies in Italy and internationally. It offers current accounts, deposits, personal loans, payment systems and services, documentary credit, factoring, leasing, consumer credit products, other loans, insurance, asset management services, and debit and credit cards, as well as life and non-life banc assurance products. The company was founded in 1909 and is headquartered in Desio, Italy. Banco di Desio e della Brianza S.p.A. is a subsidiary of Brianza Unione di Luigi Gavazzi & C. S.A.p.A.

Details
Name: Banco di Desio e della Brianza S.p.A.
0O5V
Exchange: LSE
Founded: 1909
€257,988,900
130,202,000
Website: http://www.bancodesio.it
Address: Banco di Desio e della Brianza S.p.A.
via E. Rovagnati 1,
Desio,
20832,
Italy
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
BIT BDB Ordinary Shares Borsa Italiana IT EUR 08. May 1995
BST BJ7 Ordinary Shares Boerse-Stuttgart DE EUR 08. May 1995
LSE 0O5V Ordinary Shares London Stock Exchange GB EUR 08. May 1995
BATS-CHIXE BDBM Ordinary Shares BATS 'Chi-X Europe' GB EUR 08. May 1995
BIT BDBR Saving Shares Borsa Italiana IT EUR 02. Feb 1999
LSE 0O5W Saving Shares London Stock Exchange GB EUR 02. Feb 1999
BATS-CHIXE BDBRM Saving Shares BATS 'Chi-X Europe' GB EUR 02. Feb 1999
Number of employees
Current staff
Staff numbers
2,290
Banco di Desio e della Brianza employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/01 21:10
End of day share price update: 2019/01/02 00:00
Last earnings filing: 2019/03/06
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.