Mediobanca Banca di Credito Finanziario S.p.A. (MB) AI Stock Analysis

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Mediobanca Banca di Credito Finanziario S.p.A.

(Milan:MB)

Select Model

Rating:61Neutral

Price Target:EUR 31.00▲(13.26% Upside)

Action:downgraded

Date:07/01/26

The score is held back primarily by uneven financial performance—negative recent revenue growth, leverage swings, and volatile cash generation—despite solid profitability. Technicals are supportive with the stock trading above key moving averages, and valuation is mixed: a strong dividend yield offsets a moderately high P/E.

Positive Factors

Diversified, fee-oriented business modelExposure to wealth management, advisory and consumer finance diversifies earnings beyond traditional lending. Recurring fees and commissions can support revenue resilience and deepen client relationships over the medium term.

Negative Factors

Recent revenue contractionA contracting top line can weaken operating leverage and make earnings more dependent on cost control or non-recurring items. Persistent revenue volatility would challenge the sustainability of current margins and capital generation.

Mediobanca Banca di Credito Finanziario S.p.A. (MB) vs. iShares MSCI Italy ETF (EWI)

Market Cap: EUR 22.07B
Dividend Yield: 4.46%
Average Volume (3M): 600.30K
Price to Earnings (P/E): 16.9
Beta (1Y): 1.59
Revenue Growth: 4.12%
EPS Growth: 50.03%
Country: Italy
Employees: 5,447
Sector: General
Sector Strength: 55
Industry: Banks - Regional

Mediobanca Banca di Credito Finanziario S.p.A. Business Overview & Revenue Model

Company Description

Mediobanca Banca di Credito Finanziario S.p.A. is an Italian financial institution that delivers a broad spectrum of banking products and services, serving clients both domestically and internationally. Its operations are structured into several key...

How the Company Makes Money

Mediobanca generates revenue mainly through a mix of interest income, fee and commission income, and trading/financial income across its business lines. (1) Wealth Management: The group earns recurring fees and commissions from managing client assets...

Mediobanca Banca di Credito Finanziario S.p.A. Financial Statement Overview

Summary

Solid profitability and generally healthy net margins, but the quality is uneven: recent periods show negative revenue growth, leverage appears volatile across years, and operating/free cash flow is inconsistent with some large negative years and limited visibility in the latest interim fields.

Income Statement

62Positive

Balance Sheet

55Neutral

Cash Flow

49Neutral

Financial statement breakdown
Breakdown	TTM	Jun 2026	Jun 2025	Jun 2024	Jun 2023	Jun 2022
Income Statement
Total Revenue	3.61B	5.63B	3.51B	5.28B	3.93B	2.87B
Gross Profit	3.61B	3.29B	3.51B	3.25B	2.91B	2.51B
EBITDA	572.00M	826.57M	1.40B	1.82B	1.52B	1.25B
Net Income	1.31B	1.03B	1.33B	1.27B	1.03B	906.98M
Balance Sheet
Total Assets	113.13B	106.01B	103.95B	99.23B	91.64B	90.57B
Cash, Cash Equivalents and Short-Term Investments	0	17.51B	1.66B	3.36B	4.24B	7.86B
Total Debt	51.99B	48.21B	8.58B	33.73B	35.45B	22.75B
Total Liabilities	101.19B	94.56B	92.75B	87.98B	80.19B	79.82B
Stockholders Equity	11.93B	11.43B	11.20B	11.16B	11.33B	10.65B
Cash Flow
Free Cash Flow	0	-1.22B	0	550.37M	-3.24B	5.80B
Operating Cash Flow	0	-1.21B	0	601.53M	-3.16B	5.15B
Investing Cash Flow	0	-47.68M	0	-3.48B	170.29M	263.54M
Financing Cash Flow	0	-1.16B	0	2.00B	-633.95M	-821.05M

Mediobanca Banca di Credito Finanziario S.p.A. Technical Analysis

Technical Analysis SentimentPositive

Last Price27.37

Price Trends

50DMA26.89Positive

100DMA27.28Positive

200DMA23.41Positive

Market Momentum

MACD0.18Negative

RSI61.49Neutral

STOCH71.41Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:MB, the sentiment is Positive. The current price of 27.37 is above the 20-day moving average (MA) of 26.00, above the 50-day MA of 26.89, and above the 200-day MA of 23.41, indicating a bullish trend. The MACD of 0.18 indicates Negative momentum. The RSI at 61.49 is Neutral, neither overbought nor oversold. The STOCH value of 71.41 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IT:MB.

Mediobanca Banca di Credito Finanziario S.p.A. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IT:MB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IT:UCG	85Outperform	EUR 126.19B	11.16	16.77%	3.76%	5.19%	12.77%
IT:BGN	73Outperform	EUR 6.89B	3.73	122.37%	4.71%	18.70%	26.64%
IT:BMED	72Outperform	EUR 17.27B	12.86	28.96%	5.34%	1.66%	15.30%
IT:FBK	71Outperform	EUR 14.13B	13.75	40.00%	3.42%	5.03%	2.95%
IT:ISP	62Neutral	EUR 108.39B	10.80	16.23%	6.01%	-2.51%	10.84%
IT:MB	61Neutral	EUR 22.07B	16.89	11.33%	4.46%	4.12%	50.03%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

IT:MB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IT:MB	Mediobanca Banca di Credito Finanziario S.p.A.	27.37	10.89	66.07%
IT:UCG	UniCredit S.p.A	83.68	22.62	37.05%
IT:BGN	Banca Generali SpA	60.45	10.59	21.23%
IT:FBK	Finecobank S.P.A	23.10	2.83	13.96%
IT:ISP	Intesa Sanpaolo SpA	6.26	0.91	17.00%
IT:BMED	Banca Mediolanum SpA	23.41	5.83	33.19%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Jul 01, 2026

Mediobanca Banca di Credito Finanziario S.p.A. AI Stock Analysis