Banco di Desio e della Brianza S.p.A. (BDB.MI) | Investment Case

1. Company Snapshot

1.a. 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.

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1.b. Last Insights on BDB

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1.c. Company Highlights

Last Price	9.1
Change Percentage	-1.73%
Open	9.31
Previous Close	9.26
Market Cap ( Millions)	1196
Volume	132069
Year High	9.44
Year Low	6
M A 50	8.05
M A 200	7.67

FCF Yield	0.00%
Dividend Yield	5.02%
ROE	8.11%
Debt / Equity	269.39%
Net Debt / EBIDTA	1465.69%
Price To Book	0.83
Price Earnings Ratio	10.15
Price To FCF	0
Price To sales	1.57
EV / EBITDA	20.4

2. Transcript Summary

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3. NewsRoom

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.54%)

6. Segments

Banking

Expected Growth: 4.5%

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%.

Near-banking

Expected Growth: 5.5%

Growing demand for financial inclusion, increasing adoption of digital payment systems, and expanding underserved communities drive growth in near-banking services.

Reconciling Items

Expected Growth: 4.5%

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.

7. Detailed Products

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.

8. Banco di Desio e della Brianza S.p.A.'s Porter Forces

Forces Ranking

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.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

	Value
Debt Weight	76.71%
Debt Cost	7.21%
Equity Weight	23.29%
Equity Cost	7.21%
WACC	7.21%
Leverage	329.38%

11. Quality Control: Banco di Desio e della Brianza S.p.A. passed 5 out of 9 key points

Strong Liquidity

Low Deb

Strong Interest Coverage

Healthy Cash Flow

Operating Efficiency

Strong Return On Equity

Consistent Revenue Growth

Consistent Operating Cash Flow Growth

Margin Improvement

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Bank of Georgia

A-Score: 8.2/10

Value: 9.6

Growth: 9.9

Quality: 7.9

Yield: 6.2

Momentum: 10.0

Volatility: 5.3

1-Year Total Return ->

Sparebanken Vest

A-Score: 7.1/10

Value: 7.9

Growth: 5.1

Quality: 7.6

Yield: 8.8

Momentum: 6.5

Volatility: 6.7

1-Year Total Return ->

Banca IFIS

A-Score: 6.4/10

Value: 7.3

Growth: 4.1

Quality: 5.4

Yield: 10.0

Momentum: 4.0

Volatility: 7.7

1-Year Total Return ->

Banco di Desio Brianza

A-Score: 6.3/10

Value: 6.8

Growth: 4.4

Quality: 4.8

Yield: 8.8

Momentum: 8.5

Volatility: 4.3

1-Year Total Return ->

Vestjysk Bank

A-Score: 6.2/10

Value: 6.9

Growth: 2.8

Quality: 7.6

Yield: 8.1

Momentum: 8.5

Volatility: 3.3

1-Year Total Return ->

Bank of Cyprus

A-Score: 4.6/10

Value: 6.8

Growth: 5.1

Quality: 7.0

Yield: 2.5

Momentum: 4.0

Volatility: 2.3

1-Year Total Return ->

Peers Metrics

12.e Scoring ^Insights

12.f DCF ^BETA

Parameters

Short Term Growth

19.83%

Short term Time

10.0

Long-Term Growth

2.00%

WACC

7.21%

Banco di Desio e della Brianza S.p.A. - IT0001041000

1. Company Snapshot

1.a. Company Description

1.b. Last Insights on BDB

Have nothing to say about that one ...

1.c. Company Highlights

Higher Growth

Strong Momentum

Average Quality

Average Yield

Average Growth

Medium Volatility

Cheaper

More Volatile

Lower Quality

Stable Momentum

2. Transcript Summary

3. NewsRoom

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.54%)

6. Segments

Banking

Expected Growth: 4.5%

Near-banking

Expected Growth: 5.5%

Reconciling Items

Expected Growth: 4.5%

7. Detailed Products

Retail Banking

Corporate Banking

Private Banking

Asset Management

Insurance

Wealth Management

8. Banco di Desio e della Brianza S.p.A.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Bargaining Power Of Customers

Bargaining Power Of Suppliers

Threat Of New Entrants

Intensity Of Rivalry

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

11. Quality Control: Banco di Desio e della Brianza S.p.A. passed 5 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

9.1$

Current Price

9.1$

Potential

-0.00%

Expected Cash-Flows

12.e Scoring ^Insights

12.f DCF ^BETA