-0.78%
12.51%
3.46%
12.59%
30.93%
53.39%
71.88%
AI Spotlight on MB
Company Description
Mediobanca Banca di Credito Finanziario S.p.A., together with its subsidiaries, provides various banking products and services in Italy and internationally.The company operates through Wealth Management, Consumer Banking, Corporate and Investment Banking, Principal Investing, and Holding Functions segments.The Wealth Management segment offers asset management and other services to private clients, and affluent and premier customers.
The Consumer Banking segment provides a range of consumer credit products comprising personal loans and salary-backed finances; personal loan services for cars and motorcycles, consumer electronics, furniture, and travel; payment services that include credit cards and salary-backed loans; insurance products; and instalment payment solutions for online purchases.The Corporate and Investment Banking segment offers wholesale banking products and services, including lending, advisory, capital market, and proprietary trading services; and specialty finance services, such as factoring and credit management, as well as non-performing loans portfolio acquisitions and management.The Principal Investing segment engages in the equity investment and holding activities.
The Holding Functions segment engages in treasury, and asset and liability management operations.The company was founded in 1946 and is headquartered in Milan, Italy.
Market Data
| Last Price | 15.83 |
| Change Percentage | -0.78% |
| Open | 16 |
| Previous Close | 15.96 |
| Market Cap ( Millions) | 13091 |
| Volume | 3422970 |
| Year High | 16.64 |
| Year Low | 11.44 |
| M A 50 | 14.51 |
| M A 200 | 14.6 |
Financial Ratios
| FCF Yield | 6.35% |
| Dividend Yield | 6.76% |
| ROE | 10.67% |
| Debt / Equity | 61.30% |
| Net Debt / EBIDTA | -9394.09% |
| Price To Book | 1.19 |
| Price Earnings Ratio | 11.24 |
| Price To FCF | 15.74 |
| Price To sales | 3.99 |
| EV / EBITDA | -273.76 |
News
- Jan -31 - Fitch says MPS bid for Mediobanca carries risks, but too early to assess
- Jan -31 - Ambitious Smaller Companies Hunt Big Prey as Bold M&A Returns
- Jan -29 - Milan mayor sides with Mediobanca, saying MPS bid is Rome-Milan match
- Jan -29 - Mediobanca turns down Monte dei Paschi’s $14bn buyout offer
- Jan -28 - Italian bank Mediobanca rejects takeover bid by domestic rival Monte dei Paschi
- Jan -28 - Mediobanca rejects Monte dei Paschi buyout bid, saying it is "devoid" of rationale
- Jan -28 - Mediobanca Board Rejects Monte Paschi Bid as ‘Destructive’
- Jan -28 - Mediobanca Board Rejects Monte Paschi Bid as ‘Destructive’
- Jan -28 - MPS shares slide further as Mediobanca board meets to discuss bid
- Jan -28 - Mediobanca rejects Monte dei Paschi bid as lacking rationale
- Jan -27 - Italy's MPS shares fall ahead of Mediobanca board meeting on bid
- Jan -27 - Bid discount indicates scepticism over MPS bid for Italian rival Mediobanca
- Jan -26 - Mediobanca board to review MPS 13.3 billion euro bid on Tuesday, source says
- Jan -25 - Monte Paschi ‘Unthinkable’ Move on Larger Rival Stuns Italy
- Jan -25 - Monte Paschi ‘Unthinkable’ Move on Larger Rival Stuns Italy
- Jan -24 - Explainer-How billionaire Caltagirone could influence Italy's banking M&A wave
- Jan -24 - How billionaire Caltagirone could influence Italy's banking M&A wave
- Jan -24 - Explainer-Billionaire Caltagirone's role in Italy's banking M&A wave
- Jan -24 - Monte Paschi’s ‘Unthinkable’ Move on Larger Rival Stuns Italy
- Jan -24 - Monte Paschi’s ‘Unthinkable’ Move on Larger Rival Stuns Italy
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Consumer Banking
Expected Growth : 3.5 %
What the company do ?
Consumer Banking from Mediobanca Banca di Credito Finanziario S.p.A. offers personal banking services, including credit cards, loans, and deposit accounts, to individual customers in Italy.
Why we expect these perspectives ?
The 3.5% growth in Consumer Banking at Mediobanca Banca di Credito Finanziario S.p.A. is driven by increasing demand for digital banking services, expansion of credit card offerings, and strategic partnerships to enhance customer experience. Additionally, the bank's focus on cost optimization and investment in technology have improved operational efficiency, contributing to the segment's growth.
Segment n°2 -> Wealth Management
Expected Growth : 3.8 %
What the company do ?
Wealth Management from Mediobanca Banca di Credito Finanziario S.p.A. offers personalized investment solutions and financial planning to high net worth individuals and families.
Why we expect these perspectives ?
Wealth Management at Mediobanca Banca di Credito Finanziario S.p.A. achieved 3.8% growth driven by increasing demand for investment products, expansion of private banking services, and strategic partnerships. Additionally, the segment benefited from a favorable interest rate environment, effective cost management, and a strong brand reputation, attracting high net worth individuals and families.
Segment n°3 -> Corporate & Investment Banking
Expected Growth : 4.2 %
What the company do ?
Corporate & Investment Banking from Mediobanca Banca di Credito Finanziario S.p.A. provides advisory services, capital markets, and financing solutions to corporate clients and financial institutions.
Why we expect these perspectives ?
The 4.2% growth in Corporate & Investment Banking at Mediobanca Banca di Credito Finanziario S.p.A. is driven by increased M&A activity, debt capital markets issuance, and equity capital markets transactions. Strong advisory services, robust trading performance, and a solid balance sheet also contributed to this growth.
Segment n°4 -> Principal Investing
Expected Growth : 4.5 %
What the company do ?
Principal Investing from Mediobanca Banca di Credito Finanziario S.p.A. involves direct investments in companies, providing capital for growth, restructuring, or recapitalization, generating returns through equity stakes.
Why we expect these perspectives ?
Principal Investing from Mediobanca Banca di Credito Finanziario S.p.A. achieved 4.5% growth driven by strategic investments in diversified asset classes, effective risk management, and a strong pipeline of deals. Additionally, the segment benefited from a favorable market environment, increased demand for alternative investments, and the bank's solid reputation in the industry.
Segment n°5 -> Holding Functions
Expected Growth : 3.2 %
What the company do ?
Holding functions from Mediobanca Banca di Credito Finanziario S.p.A. manage and oversee subsidiaries, providing strategic guidance and financial support to ensure long-term growth and profitability.
Why we expect these perspectives ?
Mediobanca's Holding Functions segment growth of 3.2% is driven by increasing demand for wealth management services, expansion of private banking activities, and strategic acquisitions. Additionally, the segment benefits from a strong brand reputation, diversified revenue streams, and a solid capital position, enabling the bank to invest in digital transformation and talent acquisition.
Segment n°6 -> Reconciling Items
Expected Growth : 3.0 %
What the company do ?
Reconciling items from Mediobanca Banca di Credito Finanziario S.p.A. refer to the differences between the bank's records and the company's internal accounts, requiring investigation and resolution.
Why we expect these perspectives ?
Mediobanca Banca di Credito Finanziario S.p.A.'s 3.0% growth is driven by increasing loan volumes, improved asset quality, and a strong capital position. Additionally, the bank's diversified revenue streams, cost containment efforts, and strategic expansion into high-growth markets contribute to its growth momentum.
Mediobanca Banca Di Credito Finanziario S.P.A. Products
| Product Range | What is it ? |
|---|---|
| Corporate Banking | Mediobanca provides corporate banking services to large and medium-sized companies, including cash management, trade finance, and lending solutions. |
| Investment Banking | Mediobanca offers investment banking services, including M&A advisory, equity and debt capital markets, and leveraged finance. |
| Wealth Management | Mediobanca provides wealth management services to high net worth individuals, including investment advice, portfolio management, and estate planning. |
| Retail Banking | Mediobanca offers retail banking services, including current accounts, credit cards, and personal loans, to individuals and small businesses. |
| Leasing and Factoring | Mediobanca provides leasing and factoring services to companies, including equipment leasing and invoice financing. |
| Private Banking | Mediobanca offers private banking services to high net worth individuals, including investment management, wealth planning, and family office services. |
Mediobanca Banca di Credito Finanziario S.p.A.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Mediobanca Banca di Credito Finanziario S.p.A. is medium, as there are some alternatives to traditional banking services, but they are not yet widely adopted.
Bargaining Power Of Customers
The bargaining power of customers for Mediobanca Banca di Credito Finanziario S.p.A. is low, as customers have limited negotiating power due to the bank's strong brand and market position.
Bargaining Power Of Suppliers
The bargaining power of suppliers for Mediobanca Banca di Credito Finanziario S.p.A. is medium, as the bank relies on a network of suppliers for its operations, but has some negotiating power due to its size and market position.
Threat Of New Entrants
The threat of new entrants for Mediobanca Banca di Credito Finanziario S.p.A. is low, as there are significant barriers to entry in the banking industry, including regulatory hurdles and high capital requirements.
Intensity Of Rivalry
The intensity of rivalry for Mediobanca Banca di Credito Finanziario S.p.A. is high, as the banking industry is highly competitive, with many established players competing for market share.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 70.64% |
| Debt Cost | 6.37% |
| Equity Weight | 29.36% |
| Equity Cost | 9.52% |
| WACC | 7.29% |
| Leverage | 240.59% |
Mediobanca Banca di Credito Finanziario S.p.A. : Quality Control
Mediobanca Banca di Credito Finanziario S.p.A. passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| BPSO.MI | Banca Popolare di Sondrio S.p.A., together with its subsidiaries, provides various banking products and services in Italy. The company offers current accounts, savings deposits, certificates of deposits, time deposit accounts, … |
| FBK.MI | FinecoBank Banca Fineco S.p.A. provides banking and investment products and services. The company operates through Banking, Brokerage, and Investing segments. The company offers banking services, including current account and deposit … |
| UNI.MC | Unicaja Banco, S.A. provides various banking products and services to individuals and companies in Spain and internationally. It offers accounts, payments, and debit and credit cards; mortgages and personal loans; … |
| BPE.MI | BPER Banca SpA provides banking products and services for individuals, and businesses and professionals in Italy and internationally. The company operates through Retail, Private, Corporate, Large Corporate, Finance, Corporate Center, … |
| BGN.MI | Banca Generali S.p.A. distributes financial products and services for affluent and private customers through financial advisors primarily in Italy. It operates through Wealth Management Cash-Generating Unit (CGU) and Private Banking … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Mediobanca
A-Score
1-Year Total Return ->
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Banca Generali
A-Score
1-Year Total Return ->
🥉
FinecoBank
A-Score
1-Year Total Return ->
4
Unicaja Banco
A-Score
1-Year Total Return ->
5
BPER Banca
A-Score
1-Year Total Return ->
6
