1.02%
14.45%
46.67%
74.45%
96.53%
160.53%
170.31%
AI Spotlight on BDB
Company Description
Banco di Desio e della Brianza S.p.A. provides banking products and services to individuals and enterprises in Italy.The company offers deposits and loans.It also provides financial, banking, payment, documentary credit, leasing, factoring, insurance, and asset management products and services, as well as debit and credit cards.
The company was incorporated in 1909 and is based in Desio, Italy.
Market Data
| Last Price | 7.92 |
| Change Percentage | 1.02% |
| Open | 7.76 |
| Previous Close | 7.84 |
| Market Cap ( Millions) | 1064 |
| Volume | 83163 |
| Year High | 8.3 |
| Year Low | 3.9 |
| M A 50 | 6.84 |
| M A 200 | 5.5 |
Financial Ratios
| FCF Yield | 1.14% |
| Dividend Yield | 3.33% |
| ROE | 7.17% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | -734.09% |
| Price To Book | 0.74 |
| Price Earnings Ratio | 10.63 |
| Price To FCF | 87.8 |
| Price To sales | 1.51 |
| EV / EBITDA | 10.5 |
News
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking
Expected Growth : 4.5 %
What the company do ?
Banco di Desio e della Brianza S.p.A. is an Italian bank providing retail, corporate, and private banking services, with a focus on the Lombardy region.
Why we expect these perspectives ?
Driven by increasing demand for digital banking services and a growing presence in the Lombardy region, Banco di Desio e della Brianza S.p.A. is poised for growth. The bank's focus on retail, corporate, and private banking services will contribute to a forecasted CAGR of 4.5%.
Segment n°2 -> Near-banking
Expected Growth : 5.5 %
What the company do ?
Near-banking from Banco di Desio e della Brianza S.p.A. offers financial services, including payment and account management, to underserved communities.
Why we expect these perspectives ?
Growing demand for financial inclusion, increasing adoption of digital payment systems, and expanding underserved communities drive growth in near-banking services.
Segment n°3 -> Reconciling Items
Expected Growth : 4.5 %
What the company do ?
Reconciling Items from Banco di Desio e della Brianza S.p.A. refers to the process of identifying and resolving discrepancies between the bank's internal records and external statements.
Why we expect these perspectives ?
The growth of reconciling items from Banco di Desio e della Brianza S.p.A. is driven by increasing adoption of digital banking, rising demand for efficient financial management, and stringent regulatory requirements for financial institutions.
Banco Di Desio E Della Brianza S.P.A. Products
| Product Range | What is it ? |
|---|---|
| Retail Banking | Personal banking services for individuals, including current and savings accounts, credit cards, personal loans, and mortgages. |
| Corporate Banking | Financial services for businesses, including cash management, trade finance, and corporate lending. |
| Private Banking | Tailored financial services for high net worth individuals, including investment management, wealth planning, and tax advisory. |
| Asset Management | Investment products and services, including mutual funds, exchange-traded funds, and discretionary portfolio management. |
| Insurance | Life and non-life insurance products, including term life insurance, whole life insurance, and general insurance. |
| Wealth Management | Comprehensive wealth management services, including investment advice, estate planning, and philanthropy services. |
Banco di Desio e della Brianza S.p.A.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Banco di Desio e della Brianza 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 Banco di Desio e della Brianza S.p.A. is low, as customers have limited negotiating power due to the bank's strong market position.
Bargaining Power Of Suppliers
The bargaining power of suppliers for Banco di Desio e della Brianza S.p.A. is medium, as the bank relies on a few large suppliers for its operations, but has some flexibility in its supply chain.
Threat Of New Entrants
The threat of new entrants for Banco di Desio e della Brianza S.p.A. is low, as the banking industry has high barriers to entry and regulatory hurdles.
Intensity Of Rivalry
The intensity of rivalry for Banco di Desio e della Brianza S.p.A. is high, as the banking industry is highly competitive and fragmented, with many players competing for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 76.71% |
| Debt Cost | 7.21% |
| Equity Weight | 23.29% |
| Equity Cost | 7.21% |
| WACC | 7.21% |
| Leverage | 329.38% |
Banco di Desio e della Brianza S.p.A. : Quality Control
Banco di Desio e della Brianza S.p.A. passed 5 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| IF.MI | Banca IFIS S.p.A. provides credit services and solutions for enterprises. It engages in the purchase/management of non-performing loan portfolios. It offers factoring, advisory and equity investment, structured finance, leasing, and … |
| SVEG.OL | Sparebanken Vest, a financial services company, provides banking and financing services in the counties of Vestland and Rogaland, Norway. It operates through Corporate Market, Retail Market, Bulder Bank, Treasury, and … |
| BGEO.L | Bank of Georgia Group PLC, through its subsidiaries, provides various banking products and services in Georgia. It operates through three segments: Retail Banking, Corporate and Investment Banking, and BNB. The … |
| BOCH.L | Bank of Cyprus Holdings Public Limited Company, through its subsidiaries, provides banking, financial, and insurance services. It offers current, savings, notice, instant access, and fixed deposits; housing, student, consumer, business … |
| VJBA.CO | Vestjysk Bank A/S provides banking products and services for private and business customers in Jutland, Denmark. The company accepts deposits. It also offers lending and financing for real estate, agriculture, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Banca IFIS
A-Score
1-Year Total Return ->
🥈
Bank of Georgia
A-Score
1-Year Total Return ->
🥉
Banco di Desio Brianza
A-Score
1-Year Total Return ->
4
Vestjysk Bank
A-Score
1-Year Total Return ->
5
Sparebanken Vest
A-Score
1-Year Total Return ->
6
