Mediobanca Banca di Credito Finanziario S.p.A., together with its subsidiaries, provides various banking products and services in Italy and internationally.
Slightly overvalued with questionable track record.
Share Price & News
How has Mediobanca Banca di Credito Finanziario's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: MDIB.Y's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: MDIB.Y exceeded the US Banks industry which returned -17.7% over the past year.
Return vs Market: MDIB.Y underperformed the US Market which returned 16.8% over the past year.
Price Volatility Vs. Market
How volatile is Mediobanca Banca di Credito Finanziario's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Mediobanca Banca di Credito Finanziario undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: MDIB.Y ($8.35) is trading above our estimate of fair value ($4.68)
Significantly Below Fair Value: MDIB.Y is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: MDIB.Y is poor value based on its PE Ratio (10.6x) compared to the US Banks industry average (10x).
PE vs Market: MDIB.Y is good value based on its PE Ratio (10.6x) compared to the US market (19.2x).
Price to Earnings Growth Ratio
PEG Ratio: MDIB.Y is poor value based on its PEG Ratio (1.2x)
Price to Book Ratio
PB vs Industry: MDIB.Y is good value based on its PB Ratio (0.6x) compared to the US Banks industry average (0.8x).
How is Mediobanca Banca di Credito Finanziario forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: MDIB.Y's forecast earnings growth (9.1% per year) is above the savings rate (2.2%).
Earnings vs Market: MDIB.Y's earnings (9.1% per year) are forecast to grow slower than the US market (24% per year).
High Growth Earnings: MDIB.Y's earnings are forecast to grow, but not significantly.
Revenue vs Market: MDIB.Y's revenue (6.9% per year) is forecast to grow slower than the US market (9.4% per year).
High Growth Revenue: MDIB.Y's revenue (6.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: MDIB.Y's Return on Equity is forecast to be low in 3 years time (7.4%).
How has Mediobanca Banca di Credito Finanziario performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: MDIB.Y has high quality earnings.
Growing Profit Margin: MDIB.Y's current net profit margins (28.4%) are lower than last year (37.6%).
Past Earnings Growth Analysis
Earnings Trend: MDIB.Y's earnings have grown by 5.2% per year over the past 5 years.
Accelerating Growth: MDIB.Y's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: MDIB.Y had negative earnings growth (-27.1%) over the past year, making it difficult to compare to the Banks industry average (-3%).
Return on Equity
High ROE: MDIB.Y's Return on Equity (6.2%) is considered low.
How is Mediobanca Banca di Credito Finanziario's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: MDIB.Y's Assets to Equity ratio (8.1x) is low.
Allowance for Bad Loans: Insufficient data to determine if MDIB.Y has a sufficient allowance for bad loans.
Low Risk Liabilities: 66% of MDIB.Y's liabilities are made up of primarily higher risk sources of funding.
Loan Level: MDIB.Y has an appropriate level of Loans to Assets ratio (59%).
Low Risk Deposits: MDIB.Y's Loans to Deposits ratio (196%) is high.
Level of Bad Loans: MDIB.Y has a high level of bad loans (5%).
What is Mediobanca Banca di Credito Finanziario current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate MDIB.Y's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate MDIB.Y'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 MDIB.Y's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if MDIB.Y's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: MDIB.Y is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of MDIB.Y's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Alberto Nagel (55 yo)
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: Alberto's total compensation ($USD3.90M) is below average for companies of similar size in the US market ($USD7.31M).
Compensation vs Earnings: Alberto's compensation has been consistent with company performance over the past year.
|CEO & Director||11.83yrs||€3.31m||0.33% |
|GM & Director||11.83yrs||€3.38m||0.13% |
|Head of Company Financial Reporting||no data||no data||no data|
|Head of the Principal Investing Division and Central Manager||10.25yrs||no data||no data|
|Executive Chairman of Corporate & Investment Banking and Co-Head of CIB||2.25yrs||no data||no data|
|Head of Group Investor Relations & Strategic Corporate Development||no data||no data||no data|
|Head of CIB Rome & Public Institutions and Head of European Equity Research||no data||no data||no data|
|Head of Germany Unit||7.5yrs||no data||no data|
|Head of Equity Capital Markets Syndicate||no data||no data||no data|
|Vice Chairman of Strategic Development for Europe||7.5yrs||no data||no data|
|Head of France & Benelux||5.67yrs||no data||no data|
|Managing Director and Head of Lending & Structured Finance||4.92yrs||no data||no data|
Experienced Management: MDIB.Y's management team is seasoned and experienced (7.5 years average tenure).
|CEO & Director||11.83yrs||€3.31m||0.33% |
|GM & Director||11.83yrs||€3.38m||0.13% |
|Independent Deputy Chairman of the Board||5.83yrs||€225.00k||no data|
|Independent Director||8.83yrs||€220.00k||no data|
|Deputy Chairman of the Board||2.83yrs||€165.00k||0.54% |
|Independent Director||5.83yrs||€125.00k||no data|
|Independent Director||5.83yrs||€220.00k||0.27% |
|Independent Director||2.83yrs||€190.00k||no data|
|Independent Director||5.83yrs||€120.00k||no data|
|Chairman of Statutory Audit Committee||8.83yrs||€133.43k||no data|
|Independent Director||2.83yrs||€180.00k||no data|
Experienced Board: MDIB.Y's board of directors are considered experienced (5.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Mediobanca Banca di Credito Finanziario S.p.A.'s company bio, employee growth, exchange listings and data sources
- Name: Mediobanca Banca di Credito Finanziario S.p.A.
- Ticker: MDIB.Y
- Exchange: OTCPK
- Founded: 1946
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: €6.222b
- Listing Market Cap: €7.324b
- Shares outstanding: 860.60m
- Website: https://www.mediobanca.com
Number of Employees
- Mediobanca Banca di Credito Finanziario S.p.A.
- Piazzetta Enrico Cuccia, 1
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|MB||BIT (Borsa Italiana)||Yes||Ordinary Registered Shares||IT||EUR||Jan 1992|
|ME9||DB (Deutsche Boerse AG)||Yes||Ordinary Registered Shares||DE||EUR||Jan 1992|
|0HBF||LSE (London Stock Exchange)||Yes||Ordinary Registered Shares||GB||EUR||Jan 1992|
|MDIB.F||OTCPK (Pink Sheets LLC)||Yes||Ordinary Registered Shares||US||USD||Jan 1992|
|MBM||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Ordinary Registered Shares||GB||EUR||Jan 1992|
|MB||WBAG (Wiener Boerse AG)||Yes||Ordinary Registered Shares||AT||EUR||Jan 1992|
|MDIB.Y||OTCPK (Pink Sheets LLC)||UNSPONSORED ADR||US||USD||Oct 2008|
Mediobanca Banca di Credito Finanziario S.p.A., together with its subsidiaries, provides various banking products and services in Italy and internationally. It operates through five segments: Corporate & I ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/11 23:47|
|End of Day Share Price||2020/08/11 00:00|