BMED Stock Overview
Banca Mediolanum S.p.A. provides various banking products and services in Italy.
Banca Mediolanum Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||€7.07|
|52 Week High||€9.89|
|52 Week Low||€5.87|
|1 Month Change||-7.41%|
|3 Month Change||-14.98%|
|1 Year Change||-8.72%|
|3 Year Change||15.12%|
|5 Year Change||-6.43%|
|Change since IPO||-3.23%|
Recent News & Updates
I Ran A Stock Scan For Earnings Growth And Banca Mediolanum (BIT:BMED) Passed With Ease
Like a puppy chasing its tail, some new investors often chase 'the next big thing', even if that means buying 'story...
|BMED||IT Diversified Financial||IT Market|
Return vs Industry: BMED underperformed the Italian Diversified Financial industry which returned -4.5% over the past year.
Return vs Market: BMED underperformed the Italian Market which returned -4.7% over the past year.
|BMED Average Weekly Movement||6.5%|
|Diversified Financial Industry Average Movement||6.5%|
|Market Average Movement||6.3%|
|10% most volatile stocks in IT Market||8.7%|
|10% least volatile stocks in IT Market||4.1%|
Stable Share Price: BMED is not significantly more volatile than the rest of Italian stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: BMED's weekly volatility (6%) has been stable over the past year.
About the Company
Banca Mediolanum S.p.A. provides various banking products and services in Italy. The company offers current accounts and mortgages and loans. It also provides debit, credit, and prepaid cards; savings and investment products, such as equities and bonds, as well as trading services; and insurance and pension products and services.
Banca Mediolanum Fundamentals Summary
|BMED fundamental statistics|
Is BMED overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BMED income statement (TTM)|
|Cost of Revenue||€4.47m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||0.94|
|Net Profit Margin||43.79%|
How did BMED perform over the long term?See historical performance and comparison
6.5%Current Dividend Yield
Is Banca Mediolanum undervalued compared to its fair value and its price relative to the market?
Valuation Score 5/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: BMED (€7.07) is trading below our estimate of fair value (€9.79)
Significantly Below Fair Value: BMED is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: BMED is good value based on its PE Ratio (7.5x) compared to the Italian Diversified Financial industry average (11.7x).
PE vs Market: BMED is good value based on its PE Ratio (7.5x) compared to the Italian market (17.7x).
Price to Earnings Growth Ratio
PEG Ratio: BMED is poor value based on its PEG Ratio (1.2x)
Price to Book Ratio
PB vs Industry: BMED is good value based on its PB Ratio (0.2x) compared to the IT Diversified Financial industry average (1.1x).
How is Banca Mediolanum forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
Future Growth Score2/6
Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BMED's forecast earnings growth (6.4% per year) is above the savings rate (1.7%).
Earnings vs Market: BMED's earnings (6.4% per year) are forecast to grow slower than the Italian market (10% per year).
High Growth Earnings: BMED's earnings are forecast to grow, but not significantly.
Revenue vs Market: BMED's revenue (10.5% per year) is forecast to grow faster than the Italian market (0.1% per year).
High Growth Revenue: BMED's revenue (10.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BMED's Return on Equity is forecast to be low in 3 years time (18.1%).
How has Banca Mediolanum performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BMED has high quality earnings.
Growing Profit Margin: BMED's current net profit margins (43.8%) are higher than last year (37.8%).
Past Earnings Growth Analysis
Earnings Trend: BMED's earnings have grown by 13.9% per year over the past 5 years.
Accelerating Growth: BMED's earnings growth over the past year (40%) exceeds its 5-year average (13.9% per year).
Earnings vs Industry: BMED earnings growth over the past year (40%) exceeded the Diversified Financial industry 22.4%.
Return on Equity
High ROE: BMED's Return on Equity (2.9%) is considered low.
How is Banca Mediolanum's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score4/6
Financial Health Score 4/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BMED's Assets to Equity ratio (3x) is low.
Allowance for Bad Loans: Insufficient data to determine if BMED has a sufficient allowance for bad loans.
Low Risk Liabilities: 94% of BMED's liabilities are made up of primarily low risk sources of funding.
Loan Level: BMED has an appropriate level of Loans to Assets ratio (46%).
Low Risk Deposits: BMED's Loans to Deposits ratio (73%) is appropriate.
Level of Bad Loans: Insufficient data to determine if BMED has an appropriate level of bad loans.
What is Banca Mediolanum current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BMED's dividend (6.5%) is higher than the bottom 25% of dividend payers in the Italian market (1.59%).
High Dividend: BMED's dividend (6.5%) is in the top 25% of dividend payers in the Italian market (4.78%)
Stability and Growth of Payments
Stable Dividend: BMED has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: BMED's dividend payments have increased, but the company has only paid a dividend for 6 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (47.5%), BMED's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BMED's dividends in 3 years are forecast to be covered by earnings (72.1% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Massimo Doris (54 yo)
Mr. Massimo Antonio Doris serves as Managing Director and Director of Banca Mediolanum S.p.A. Mr. Doris started his career at Banca Mediolanum in 1999 as Financial Advisor. Previously he was based in Londo...
CEO Compensation Analysis
Compensation vs Market: Insufficient data to establish whether Massimo's total compensation is reasonable compared to companies of similar size in the Italian market.
Compensation vs Earnings: Massimo's compensation has increased by more than 20% in the past year.
Experienced Management: BMED's management team is seasoned and experienced (8.3 years average tenure).
Experienced Board: BMED's board of directors are considered experienced (4.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: BMED 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.
Banca Mediolanum S.p.A.'s employee growth, exchange listings and data sources
- Name: Banca Mediolanum S.p.A.
- Ticker: BMED
- Exchange: BIT
- Founded: 1982
- Industry: Other Diversified Financial Services
- Sector: Diversified Financials
- Implied Market Cap: €5.210b
- Shares outstanding: 736.46m
- Website: https://www.bancamediolanum.it
Number of Employees
- Banca Mediolanum S.p.A.
- Palazzo Meucci
- Francesco Sforza street
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/18 00:00|
|End of Day Share Price||2022/05/18 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.