ScoreWhy is Mediobanca Banca di Credito Finanziario SpA ?
1
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 15.00%
2
Flat results in Jun 25
- CASH AND EQV(HY) Lowest at EUR 368.71 MM
3
With ROA of 1.18%, it has a Very Expensive valuation with a 1.22 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -7.23%, its profits have risen by 4% ; the PEG ratio of the company is 1.6
- At the current price, the company has a high dividend yield of 13928.9
4
Underperformed the market in the last 1 year
- Even though the market (Italy FTSE MIB) has generated returns of 16.45% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -7.23% returns
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.90%
EBIT Growth (5y)
11.93%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
69.90%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.22
EV to EBIT
15.89
EV to EBITDA
15.89
EV to Capital Employed
1.12
EV to Sales
NA
PEG Ratio
1.62
Dividend Yield
13928.93%
ROCE (Latest)
7.07%
ROE (Latest)
11.88%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
OPERATING CASH FLOW(Y)
Highest at EUR 3,088.53 MM
GROSS NPA (%)
(Q
NET PROFIT(Q)
Highest at EUR 670.66 MM
EPS(Q)
Highest at EUR 0.83
-1What is not working for the Company
CASH AND EQV(HY)
Lowest at EUR 368.71 MM
Here's what is working for Mediobanca Banca di Credito Finanziario SpA
Operating Cash Flow
Highest at EUR 3,088.53 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (EUR MM)
Non Performing Loans (%)
Lowest at 1.7%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Profit
Highest at EUR 670.66 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (EUR MM)
EPS
Highest at EUR 0.83
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (EUR)
Here's what is not working for Mediobanca Banca di Credito Finanziario SpA
Cash and Eqv
Lowest at EUR 368.71 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Capital Adequacy Ratio
Lowest at 15.1%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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