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Mediobanca (MDIBY)
OTHER OTC:MDIBY
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Mediobanca
(OTC:MDIBY)
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Rating:77Outperform
Price Target:―
Mediobanca achieves a strong stock score due to robust financial performance, technical strength, and positive earnings call guidance. However, potential risks from non-cash expenses, financial leverage, and overbought technical indicators should be monitored.
Mediobanca (MDIBY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$16.16B
Dividend Yield3.74%
Average Volume (3M)344.00
Price to Earnings (P/E)11.4
Beta (1Y)1.01
Revenue Growth-19.44%
EPS Growth7.68%
CountryUS
Employees5,443
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.92
Shares Outstanding813,279,660
10 Day Avg. Volume0
30 Day Avg. Volume344
Financial Highlights & Ratios
PEG Ratio1.80
Price to Book (P/B)1.39
Price to Sales (P/S)4.44
P/FCF Ratio0.00
Enterprise Value/Market Cap1.79
Enterprise Value/Revenue8.50
Enterprise Value/Gross Profit8.50
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
Mediobanca Business Overview & Revenue Model
Company DescriptionMediobanca is a prominent Italian financial services group that operates primarily in the sectors of corporate and investment banking, consumer banking, and wealth management. Established in 1946 and headquartered in Milan, Italy, the company provides a wide range of services including lending, asset management, and advisory services. Mediobanca serves a diverse client base comprising corporations, institutions, and individuals, with a focus on delivering tailored financial solutions and strategic advice.
How the Company Makes MoneyMediobanca generates revenue through multiple channels. In corporate and investment banking, the company earns money by providing services such as mergers and acquisitions advisory, equity and debt underwriting, and corporate lending. In consumer banking, Mediobanca offers personal loans, credit cards, and other financial products, earning interest and fees. Wealth management provides another revenue stream through asset management services, where the company charges fees based on assets under management. The company also benefits from strategic partnerships and investments that enhance its service offerings and expand its market reach.
Mediobanca Earnings Call Summary
Earnings Call Date:Jul 31, 2025
(Q4-2025)
| % Change Since: |
Next Earnings Date:Nov 10, 2025
Earnings Call Sentiment Positive
The earnings call presented a strong performance with record-breaking net new money and significant growth in several business segments. Despite some challenges such as higher costs and a decrease in NII in specific areas, the overall outlook remains optimistic with plans for further growth and improvements in capital structure and ESG initiatives.Q4-2025 Updates
Positive Updates
Record Net New Money
Achieved EUR 11 billion of net new money, representing a 30% increase year-on-year.
Loan Growth in Consumer Finance
Increased consumer finance loan production to EUR 9 billion, up 9% year-on-year.
EPS and Dividend Growth
Net profit increased by 4%, EPS up 7%, and total dividend per share increased to EUR 1.15, up 7% year-on-year.
Wealth Management and CIB Performance
Wealth Management fees increased by 13%, with a record net new money of EUR 11 billion. CIB revenue reached EUR 900 million, up 16% year-on-year.
Cost of Risk Improvement
Cost of risk was lower than expected at 44 basis points, compared to a forecasted 50-55 basis points.
ESG and Social Initiatives
Significant ESG improvements, including an 18% reduction in financed emissions and enhanced social initiatives.
Negative Updates
Decrease in Net Interest Income
Wealth Management experienced a 5% decrease in NII due to non-recurrent items related to capital distribution.
Cost Increases
Increased costs driven by business-related growth, technology investments, and inflation, totaling EUR 68 million.
Higher Cost of Funding
Higher than expected cost of funding in private banking and Premier Banking due to market uncertainties.
Company Guidance
During the call, Alberto Nicola Nagel presented a robust set of metrics reflecting the company's strong performance and future guidance. The firm achieved EUR 11 billion in net new money, marking a 30% year-on-year increase. Average loans in the corporate and investment banking (CIB) sector grew by 8%, reaching EUR 1 billion, and consumer finance loans increased by 9% to EUR 9 billion annually. Revenue rose to EUR 3.7 billion, with a growth rate of 6% over the past two years, while gross operating profit climbed 8%. The return on risk-weighted assets improved to 2.9%, up from 2.4% at the plan's inception. The company also increased its dividend to EUR 1.15 per share, up 7% year-on-year. Looking ahead, the firm aims for EUR 4.4 billion in revenue over the next three years, with a 6% growth rate. It plans to shift its distribution policy to a full cash dividend model starting next year, targeting a 9% growth in recurring EPS and a 17% ordinary return on equity. The continued focus on expanding wealth management and consumer finance, along with strategic capital optimization, underscores the company's ambitious growth trajectory.Mediobanca Financial Statement Overview
Summary
Mediobanca shows strong revenue growth and profitability with efficient cost management. However, concerns over negative EBITDA margin and low equity ratio pose risks. Cash flow is improving but needs better income conversion.Income Statement
Mediobanca has shown solid revenue growth, with a significant increase in total revenue from the previous year. The gross profit margin is high, indicating efficient cost management. However, the negative EBITDA margin is a concern, suggesting potential issues with non-cash expenses.78
Positive
Balance Sheet
The company has a manageable debt-to-equity ratio, indicating balanced leverage. The return on equity is strong, reflecting effective use of shareholders' funds. However, the equity ratio is relatively low, which could imply higher financial risk.70
Positive
Cash Flow
Free cash flow has improved significantly, showing strong growth. However, the operating cash flow to net income ratio is low, indicating potential challenges in translating earnings into cash flow. The free cash flow to net income ratio is positive, suggesting some ability to generate cash from operations.65
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 3.40B | 3.51B | 2.85B | 2.91B | 2.46B | 2.35B |
| Gross Profit | 3.40B | 3.51B | 2.85B | 2.91B | 2.46B | 2.35B |
| EBITDA | 0.00 | 0.00 | 1.82B | 1.52B | 1.25B | 1.17B |
| Net Income | 1.33B | 1.33B | 1.03B | 1.03B | 906.98M | 807.58M |
Balance Sheet | ||||||
| Total Assets | 103.95B | 103.95B | 99.23B | 91.64B | 90.57B | 82.60B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 0.00 | 4.10B | 4.76B | 8.33B | 2.38B |
| Total Debt | 40.18B | 40.18B | 6.84B | 31.96B | 22.75B | 22.88B |
| Total Liabilities | 92.75B | 92.75B | 87.98B | 80.19B | 79.82B | 71.50B |
| Stockholders Equity | 11.19B | 11.19B | 11.16B | 11.33B | 10.65B | 11.01B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 0.00 | 388.35M | -3.24B | 5.80B | -1.45B |
| Operating Cash Flow | 0.00 | 0.00 | 439.51M | -3.16B | 5.86B | -1.40B |
| Investing Cash Flow | 0.00 | 0.00 | 19.05M | 170.29M | 263.54M | 152.63M |
| Financing Cash Flow | 0.00 | 0.00 | -1.33B | -633.95M | -821.05M | -3.69M |
Mediobanca Technical Analysis
Negative
20.56
Price Trends
23.58
Negative
23.03
Negative
20.08
Negative
Market Momentum
-0.93
Positive
24.30
Positive
2.38
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MDIBY, the sentiment is Negative. The current price of 20.56 is below the 20-day moving average (MA) of 23.39, below the 50-day MA of 23.58, and above the 200-day MA of 20.08, indicating a bearish trend. The MACD of -0.93 indicates Positive momentum. The RSI at 24.30 is Positive, neither overbought nor oversold. The STOCH value of 2.38 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for MDIBY.
Mediobanca Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $13.78B | 14.70 | 14.39% | 12.59% | -8.82% | 4.87% | |
77 Outperform | $16.16B | 11.36 | 11.52% | 3.74% | -19.44% | 7.68% | |
76 Outperform | $12.56B | 11.15 | 16.23% | 5.03% | 12.43% | 56.30% | |
73 Outperform | $15.46B | 11.93 | 19.19% | 6.91% | -13.16% | -8.10% | |
73 Outperform | $20.85B | 12.56 | 16.02% | 5.31% | 5.16% | 27.77% | |
70 Outperform | $20.36B | 20.37 | ― | 5.61% | -3.77% | -10.59% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
MDIBY
Mediobanca
19.41
3.80
24.34%
BSBR
Banco Santander Brasil
5.48
0.47
9.38%
BAP
Credicorp
259.09
86.95
50.51%
KEY
KeyCorp
18.45
2.83
18.12%
SHG
Shinhan Financial Group Co
50.24
8.59
20.62%
CFG
Citizens Financial
52.98
14.47
37.57%
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.