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Med Life BVB:M Stock Report

Last Price


Market Cap







06 Aug, 2022


Company Financials +
M fundamental analysis
Snowflake Score
Future Growth2/6
Past Performance2/6
Financial Health3/6

M Stock Overview

Med Life S.A. operates as a private healthcare provider in Romania.

Med Life Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Med Life
Historical stock prices
Current Share PriceRON19.56
52 Week HighRON26.00
52 Week LowRON15.70
1 Month Change0.83%
3 Month Change8.67%
1 Year Change17.83%
3 Year Change264.47%
5 Year Change220.66%
Change since IPO351.39%

Recent News & Updates

May 05
Returns Are Gaining Momentum At Med Life (BVB:M)

Returns Are Gaining Momentum At Med Life (BVB:M)

Did you know there are some financial metrics that can provide clues of a potential multi-bagger? Amongst other things...

Shareholder Returns

MRO HealthcareRO Market

Return vs Industry: M exceeded the RO Healthcare industry which returned -31.1% over the past year.

Return vs Market: M exceeded the RO Market which returned 9.5% over the past year.

Price Volatility

Is M's price volatile compared to industry and market?
M volatility
M Average Weekly Movement3.6%
Healthcare Industry Average Movement4.7%
Market Average Movement3.8%
10% most volatile stocks in RO Market6.6%
10% least volatile stocks in RO Market2.7%

Stable Share Price: M is not significantly more volatile than the rest of RO stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: M's weekly volatility (4%) has been stable over the past year.

About the Company

19965,093Mihail Marcu

Med Life S.A. operates as a private healthcare provider in Romania. Its Corporate business line offers health prevention packages to corporate clients, which cover regular check-ups and access to diagnostic services. The company's Clinics business line provides services through hyper clinics for clinical examinations and imaging services, as well as clinics that offer a range of treatments from general practitioner services to specialists.

Med Life Fundamentals Summary

How do Med Life's earnings and revenue compare to its market cap?
M fundamental statistics
Market CapRON2.57b
Earnings (TTM)RON97.92m
Revenue (TTM)RON1.52b


P/E Ratio


P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
M income statement (TTM)
Cost of RevenueRON736.40m
Gross ProfitRON783.29m
Other ExpensesRON685.36m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

Aug 26, 2022

Earnings per share (EPS)0.74
Gross Margin51.54%
Net Profit Margin6.44%
Debt/Equity Ratio148.0%

How did M perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.


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

Valuation Score


Valuation Score 3/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

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

Other financial metrics that can be useful for relative valuation.

M key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue2.2x
Enterprise Value/EBITDA14.1x
PEG Ration/a

Price to Earnings Ratio vs Peers

How does M's PE Ratio compare to its peers?

M PE Ratio vs Peers
The above table shows the PE ratio for M vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average23.2x
IDX Integral Diagnostics
6099 Elan
PARD3 Instituto Hermes Pardini
VIJAYA Vijaya Diagnostic Centre
M Med Life

Price-To-Earnings vs Peers: M is expensive based on its Price-To-Earnings Ratio (26.3x) compared to the peer average (23.2x).

Price to Earnings Ratio vs Industry

How does M's PE Ratio compare vs other companies in the European Healthcare Industry?

Price-To-Earnings vs Industry: M is expensive based on its Price-To-Earnings Ratio (26.3x) compared to the European Healthcare industry average (15.8x)

Price to Earnings Ratio vs Fair Ratio

What is M'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.

M PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio26.3x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate M's Price-To-Earnings Fair Ratio for valuation analysis.

Share Price vs Fair Value

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

Below Fair Value: M (RON19.56) is trading below our estimate of fair value (RON54.53)

Significantly Below Fair Value: M is trading below fair value by more than 20%.

Analyst Price Targets

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

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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Future Growth

How is Med Life forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?

Future Growth Score


Future Growth Score 2/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


Forecasted annual revenue growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: Insufficient data to determine if M's forecast earnings growth is above the savings rate (1.1%).

Earnings vs Market: Insufficient data to determine if M's earnings are forecast to grow faster than the RO market

High Growth Earnings: Insufficient data to determine if M's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: M's revenue (6.3% per year) is forecast to grow faster than the RO market (4.2% per year).

High Growth Revenue: M's revenue (6.3% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: M's Return on Equity is forecast to be high in 3 years time (29%)

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Past Performance

How has Med Life performed over the past 5 years?

Past Performance Score


Past Performance Score 2/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: M has high quality earnings.

Growing Profit Margin: M's current net profit margins (6.4%) are lower than last year (7.2%).

Past Earnings Growth Analysis

Earnings Trend: M has become profitable over the past 5 years, growing earnings by 65.5% per year.

Accelerating Growth: M's earnings growth over the past year (17.6%) is below its 5-year average (65.5% per year).

Earnings vs Industry: M earnings growth over the past year (17.6%) underperformed the Healthcare industry 26.6%.

Return on Equity

High ROE: Whilst M's Return on Equity (25.48%) is high, this metric is skewed due to their high level of debt.

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Financial Health

How is Med Life's financial position?

Financial Health Score


Financial Health Score 3/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: M's short term assets (RON436.7M) do not cover its short term liabilities (RON478.2M).

Long Term Liabilities: M's short term assets (RON436.7M) do not cover its long term liabilities (RON711.6M).

Debt to Equity History and Analysis

Debt Level: M's net debt to equity ratio (113.1%) is considered high.

Reducing Debt: M's debt to equity ratio has reduced from 238.3% to 148% over the past 5 years.

Debt Coverage: M's debt is well covered by operating cash flow (33.8%).

Interest Coverage: M's interest payments on its debt are well covered by EBIT (5.7x coverage).

Balance Sheet

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What is Med Life current dividend yield, its reliability and sustainability?

Dividend Score


Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Cash Flow Coverage

Dividend Yield vs Market

Notable Dividend: Unable to evaluate M's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate M's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.

Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if M's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if M's dividend payments have been increasing.

Earnings Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.

Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as M has not reported any payouts.

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How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Mihail Marcu (52 yo)



Mr. Mihail Marcu serves as Chief Executive Officer at S.C. Med Life S.A. since December 2016. Mr. Marcu served as the Chief Executive Officer of MedLife between January 2004 until August 2006 and vice pres...

Leadership Team

Experienced Management: M's management team is seasoned and experienced (5.7 years average tenure).

Board Members

Experienced Board: M's board of directors are seasoned and experienced ( 14.6 years average tenure).


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

Med Life S.A.'s employee growth, exchange listings and data sources

Key Information

  • Name: Med Life S.A.
  • Ticker: M
  • Exchange: BVB
  • Founded: 1996
  • Industry: Health Care Services
  • Sector: Healthcare
  • Implied Market Cap: RON2.573b
  • Shares outstanding: 131.53m
  • Website:

Number of Employees


  • Med Life S.A.
  • Calea Grivitei, No. 365
  • District 1
  • Bucharest
  • Romania


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/08/06 00:00
End of Day Share Price2022/08/05 00:00
Annual Earnings2021/12/31

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.