Snowflake Score | |
---|---|
Valuation | 2/6 |
Future Growth | 1/6 |
Past Performance | 4/6 |
Financial Health | 3/6 |
Dividends | 5/6 |
MB Stock Overview
Mediobanca Banca di Credito Finanziario S.p.A., together with its subsidiaries, provides various banking products and services in Italy and internationally.
Mediobanca Banca di Credito Finanziario Competitors
Price History & Performance
Historical stock prices | |
---|---|
Current Share Price | €8.26 |
52 Week High | €10.88 |
52 Week Low | €7.17 |
Beta | 1.52 |
1 Month Change | -13.57% |
3 Month Change | -12.06% |
1 Year Change | -16.28% |
3 Year Change | -12.82% |
5 Year Change | -6.69% |
Change since IPO | -2.36% |
Recent News & Updates
If You Like EPS Growth Then Check Out Mediobanca Banca di Credito Finanziario (BIT:MB) Before It's Too Late
Like a puppy chasing its tail, some new investors often chase 'the next big thing', even if that means buying 'story...
Shareholder Returns
MB | IT Banks | IT Market | |
---|---|---|---|
7D | -2.2% | -4.4% | -1.0% |
1Y | -16.3% | -18.9% | -17.4% |
Return vs Industry: MB underperformed the Italian Banks industry which returned -14% over the past year.
Return vs Market: MB underperformed the Italian Market which returned -15% over the past year.
Price Volatility
MB volatility | |
---|---|
MB Average Weekly Movement | 4.2% |
Banks Industry Average Movement | 4.6% |
Market Average Movement | 5.0% |
10% most volatile stocks in IT Market | 7.4% |
10% least volatile stocks in IT Market | 3.4% |
Stable Share Price: MB is not significantly more volatile than the rest of Italian stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: MB's weekly volatility (4%) has been stable over the past year.
About the Company
Founded | Employees | CEO | Website |
---|---|---|---|
1946 | 4,965 | Alberto Nagel | https://www.mediobanca.com |
Mediobanca Banca di Credito Finanziario S.p.A., together with its subsidiaries, provides various banking products and services in Italy and internationally. The company operates through Wealth Management, Consumer Banking, Corporate and Investment Banking, Principal Investing, and Holding Functions segments. The Wealth Management segment offers asset management and other services to private clients, and affluent and premier customers.
Mediobanca Banca di Credito Finanziario Fundamentals Summary
MB fundamental statistics | |
---|---|
Market Cap | €6.99b |
Earnings (TTM) | €919.58m |
Revenue (TTM) | €2.47b |
7.6x
P/E Ratio0.6x
P/B RatioIs MB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
MB income statement (TTM) | |
---|---|
Revenue | €2.47b |
Cost of Revenue | €0 |
Gross Profit | €2.47b |
Other Expenses | €1.55b |
Earnings | €919.58m |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
Jul 29, 2022
Earnings per share (EPS) | 1.09 |
Gross Margin | 100.00% |
Net Profit Margin | 37.28% |
Debt/Equity Ratio | 279.1% |
How did MB perform over the long term?
See historical performance and comparisonDividends
8.0%
Current Dividend Yield61%
Payout RatioValuation
Is MB undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
2/6Valuation Score 2/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio
Key Valuation Metric
Which metric is best to use when looking at relative valuation for MB?
Other financial metrics that can be useful for relative valuation.
What is MB's n/a Ratio? | |
---|---|
n/a Ratio | 0x |
n/a | n/a |
Market Cap | €6.99b |
Key Statistics | |
---|---|
Enterprise Value/Revenue | n/a |
Enterprise Value/EBITDA | n/a |
PEG Ratio | -9.2x |
Price to Earnings Ratio vs Peers
How does MB's PE Ratio compare to its peers?
MB PE Ratio vs Peers |
---|
Company | PE | Estimated Growth | Market Cap |
---|---|---|---|
Peer Average | 12.6x | ||
FBK FinecoBank Banca Fineco | 17x | 12.2% | €7.0b |
BAMI Banco BPM | 6.3x | 16.1% | €4.1b |
UCG UniCredit | 22.1x | 26.5% | €19.1b |
CE Credito Emiliano | 4.9x | -0.4% | €1.8b |
MB Mediobanca Banca di Credito Finanziario | 7.6x | -0.8% | €7.0b |
Price-To-Earnings vs Peers: MB is good value based on its Price-To-Earnings Ratio (7.6x) compared to the peer average (12.6x).
Price to Earnings Ratio vs Industry
How does MB's PE Ratio compare vs other companies in the European Banks Industry?
Price-To-Earnings vs Industry: MB is expensive based on its Price-To-Earnings Ratio (7.6x) compared to the Italian Banks industry average (6.6x)
Price to Earnings Ratio vs Fair Ratio
What is MB'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.
Fair Ratio | |
---|---|
Current PE Ratio | 7.6x |
Fair PE Ratio | 9.1x |
Price-To-Earnings vs Fair Ratio: MB is good value based on its Price-To-Earnings Ratio (7.6x) compared to the estimated Fair Price-To-Earnings Ratio (9.1x).
Share Price vs Fair Value
What is the Fair Price of MB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: MB (€8.26) is trading above our estimate of fair value (€6.52)
Significantly Below Fair Value: MB is trading above our estimate of fair value.
Price to Earnings Growth Ratio
PEG Ratio: MB's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
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Future Growth
How is Mediobanca Banca di Credito Finanziario forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
Future Growth Score
1/6Future Growth Score 1/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
-0.8%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: MB's earnings are forecast to decline over the next 3 years (-0.8% per year).
Earnings vs Market: MB's earnings are forecast to decline over the next 3 years (-0.8% per year).
High Growth Earnings: MB's earnings are forecast to decline over the next 3 years.
Revenue vs Market: MB's revenue (3.1% per year) is forecast to grow faster than the Italian market (0.4% per year).
High Growth Revenue: MB's revenue (3.1% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: MB's Return on Equity is forecast to be low in 3 years time (7.9%).
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Past Performance
How has Mediobanca Banca di Credito Finanziario performed over the past 5 years?
Past Performance Score
4/6Past Performance Score 4/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
-0.6%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: MB has high quality earnings.
Growing Profit Margin: MB's current net profit margins (37.3%) are higher than last year (30%).
Past Earnings Growth Analysis
Earnings Trend: MB's earnings have declined by 0.6% per year over the past 5 years.
Accelerating Growth: MB's earnings growth over the past year (41%) exceeds its 5-year average (-0.6% per year).
Earnings vs Industry: MB earnings growth over the past year (41%) exceeded the Banks industry 35.8%.
Return on Equity
High ROE: MB's Return on Equity (8.3%) is considered low.
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Financial Health
How is Mediobanca Banca di Credito Finanziario's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
3/6Financial Health Score 3/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: MB's Assets to Equity ratio (7.9x) is low.
Allowance for Bad Loans: Insufficient data to determine if MB has a sufficient allowance for bad loans.
Low Risk Liabilities: 64% of MB's liabilities are made up of primarily higher risk sources of funding.
Loan Level: MB has an appropriate level of Loans to Assets ratio (58%).
Low Risk Deposits: MB's Loans to Deposits ratio (181%) is high.
Level of Bad Loans: MB has an appropriate level of bad loans (0.9%).
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Dividend
What is Mediobanca Banca di Credito Finanziario current dividend yield, its reliability and sustainability?
Dividend Score
5/6Dividend Score 5/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
7.99%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: MB's dividend (7.99%) is higher than the bottom 25% of dividend payers in the Italian market (1.71%).
High Dividend: MB's dividend (7.99%) is in the top 25% of dividend payers in the Italian market (5.19%)
Stability and Growth of Payments
Stable Dividend: MB's dividend payments have been volatile in the past 10 years.
Growing Dividend: MB's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonable payout ratio (60.7%), MB's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: MB's dividends in 3 years are forecast to be covered by earnings (72.1% payout ratio).
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Management
How experienced are the management team and are they aligned to shareholders interests?
9.3yrs
Average management tenure
CEO
Alberto Nagel (56 yo)
13.67yrs
Tenure
€4,007,394
Compensation
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: Insufficient data to establish whether Alberto's total compensation is reasonable compared to companies of similar size in the Italian market.
Compensation vs Earnings: Alberto's compensation has increased by more than 20% in the past year.
Leadership Team
Experienced Management: MB's management team is seasoned and experienced (9.3 years average tenure).
Board Members
Experienced Board: MB's board of directors are considered experienced (7.7 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Mediobanca Banca di Credito Finanziario S.p.A.'s employee growth, exchange listings and data sources
Key Information
- Name: Mediobanca Banca di Credito Finanziario S.p.A.
- Ticker: MB
- Exchange: BIT
- Founded: 1946
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: €6.988b
- Shares outstanding: 846.25m
- Website: https://www.mediobanca.com
Number of Employees
Location
- Mediobanca Banca di Credito Finanziario S.p.A.
- Piazzetta Enrico Cuccia, 1
- Milan
- Milan
- 20121
- Italy
Listings
Company Analysis and Financial Data Status
Data | Last Updated (UTC time) |
---|---|
Company Analysis | 2022/06/30 00:00 |
End of Day Share Price | 2022/06/30 00:00 |
Earnings | 2022/03/31 |
Annual Earnings | 2021/06/30 |
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.