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Mediobanca Banca di Credito Finanziario S.p.A. (MB.MI)
Key financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | €m | 2,327 | 2,586 | 2,514 | 2,908 | 3,250 | 3,506 | 2,591 | 2,711 |
| Operating profit | €m | 898 | 1,419 | ||||||
| Net profit | €m | 600 | 808 | 907 | 1,026 | 1,273 | 1,330 | 1,025 | 933 |
| EPS reported | € | 1.27 | 1.07 | ||||||
| Operating cashflow per share | € | 3.08 | 0.00 | ||||||
| Capex per share | € | 0.03 | 0.00 | ||||||
| FCF per share | € | 3.06 | 0.00 | ||||||
| Free cash flow | €m | 2,464 | 0 | ||||||
| Net debt | €m | 38,665 | 15,459 | ||||||
| Book value equity | €m | 11,433 | 11,578 | ||||||
| Book value per share | € | 14.18 | 11.92 | ||||||
| Number of shares | m | 806.49 | 971.25 | ||||||
| DPS (TTM paid) | € | 1.33 | 1.22 |
Financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 14.01 | - | ||||||
| P/B LTM | x | 1.25 | 1.91 | ||||||
| P/S LTM | x | 5.54 | 8.15 | ||||||
| P/FCF LTM | x | 5.82 | 0.00 | ||||||
| EV/EBITDA LTM | x | 0.00 | 65.67 | ||||||
| EV/Sales LTM | x | 19.81 | 13.85 | ||||||
| Earnings Yield LTM | % | 7.14% | 4.77% | ||||||
| FCF Yield | % | 17.18% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | 8.97% | 11.14% | ||||||
| ROIC | % | 0.65% | 2.73% | ||||||
| Operating margin | % | 34.64% | 52.27% | ||||||
| Gross margin | % | 100.00% | 100.00% | ||||||
| FCF/Sales | % | 95.11% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -22.56% | - | ||||||
| Sales Growth YoY | % | -26.09% | -22.46% | ||||||
| Net Income Growth YoY | % | -22.92% | -29.92% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | -35.85% | -24.82% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 7.49% | 4.45% | ||||||
| Dividend Growth | % | - | +8.93% | ||||||
| Payout Ratio | % | 104.97% | 0.00% | ||||||
| FCF/Debt | x | 0.06 | 0.00 | ||||||
| Net Debt/EBITDA | x | 0.00 | 54.43 | ||||||
| EBIT/Net interest | x | 0.00 | 0.00 | ||||||
| Net debt/market cap | % | 269.49% | 69.93% | ||||||
| Net debt/Equity | x | 3.38 | 1.34 | ||||||
| Gross debt/equity | x | 3.38 | 2.85 | ||||||
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
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 divisions. The Wealth Management segment provides asset management and bespoke services for private, affluent, and premier clients. The Consumer Banking division offers diverse consumer credit solutions, encompassing personal loans, salary-backed financing, and specific loan products for purchases such as vehicles, consumer electronics, furniture, and travel. This segment also manages payment services, including credit cards and salary-backed advances, alongside insurance products and online installment payment options. For institutional and corporate clients, the Corporate and Investment Banking segment extends wholesale banking services, which include lending, advisory, capital market activities, and proprietary trading, as well as specialized financial services like factoring, credit management, and the acquisition and management of non-performing loan portfolios. The Principal Investing segment focuses on equity investments and holding activities. Lastly, the Holding Functions segment is responsible for treasury functions and asset and liability management. Established in 1946, the company's main office is located in Milan, Italy.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Mediobanca Banca di Credito Finanziario S.p.A. (MB.MI)
Based on consensus from external analysts. Not Kvantra's opinion.
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 divisions. The Wealth Management segment provides asset management and bespoke services for private, affluent, and premier clients. The Consumer Banking division offers diverse consumer credit solutions, encompassing personal loans, salary-backed financing, and specific loan products for purchases such as vehicles, consumer electronics, furniture, and travel. This segment also manages payment services, including credit cards and salary-backed advances, alongside insurance products and online installment payment options. For institutional and corporate clients, the Corporate and Investment Banking segment extends wholesale banking services, which include lending, advisory, capital market activities, and proprietary trading, as well as specialized financial services like factoring, credit management, and the acquisition and management of non-performing loan portfolios. The Principal Investing segment focuses on equity investments and holding activities. Lastly, the Holding Functions segment is responsible for treasury functions and asset and liability management. Established in 1946, the company's main office is located in Milan, Italy.
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