-0.31%
13.66%
13.56%
29.28%
36.06%
48.68%
59.07%
AI Spotlight on BMED
Company Description
Banca Mediolanum S.p.A. provides various banking products and services in Italy.The company offers current accounts and mortgages and loans.It also provides debit, credit, and prepaid cards; savings and investment products, such as equities and bonds, as well as trading services; and insurance and pension products and services.
The company was founded in 1982 and is headquartered in Basiglio, Italy.
Market Data
| Last Price | 12.98 |
| Change Percentage | -0.31% |
| Open | 12.81 |
| Previous Close | 13.02 |
| Market Cap ( Millions) | 9572 |
| Volume | 1120977 |
| Year High | 13.04 |
| Year Low | 9.3 |
| M A 50 | 11.79 |
| M A 200 | 11.09 |
Financial Ratios
| FCF Yield | 0.42% |
| Dividend Yield | 6.09% |
| ROE | 25.12% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | -46.94% |
| Price To Book | 2.5 |
| Price Earnings Ratio | 10.5 |
| Price To FCF | 238.21 |
| Price To sales | 3.59 |
| EV / EBITDA | 9.51 |
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Italy - Banking
Expected Growth : 12 %
What the company do ?
Banca Mediolanum S.p.A. is an Italian bank providing retail and private banking services, insurance, and asset management to individuals and businesses in Italy.
Why we expect these perspectives ?
Banca Mediolanum S.p.A.'s 12% growth in Italy's banking sector is driven by its strong digital transformation, increasing demand for wealth management services, and strategic expansion into the southern regions. Additionally, the bank's focus on cost optimization, improved risk management, and investments in fintech have contributed to its growth momentum.
Segment n°2 -> Italy - Asset Management
Expected Growth : 10 %
What the company do ?
Italy - Asset Management from Banca Mediolanum S.p.A. offers investment solutions to individuals, institutions, and companies, managing assets through various financial instruments.
Why we expect these perspectives ?
Italy's asset management growth, driven by Banca Mediolanum S.p.A., is fueled by increasing demand for pension funds, insurance products, and wealth management services. A growing middle class, aging population, and favorable regulatory environment contribute to the 10% growth rate. Additionally, digitalization and consolidation in the industry drive efficiency and scalability, further supporting growth.
Segment n°3 -> Italy - Insurance
Expected Growth : 11 %
What the company do ?
Italy - Insurance from Banca Mediolanum S.p.A. offers life insurance and investment products to individuals and businesses, providing financial protection and wealth management solutions.
Why we expect these perspectives ?
Italy's insurance market, driven by Banca Mediolanum S.p.A., is experiencing 11% growth. Key drivers include an aging population, increasing life expectancy, and a growing demand for pension and retirement products. Additionally, the Italian government's efforts to promote insurance penetration, coupled with digitalization and innovation in the industry, are contributing to this growth.
Segment n°4 -> Spain
Expected Growth : 13 %
What the company do ?
Banca Mediolanum España is a Spanish banking subsidiary of Banca Mediolanum S.p.A., an Italian banking group, offering financial services to individuals and businesses in Spain.
Why we expect these perspectives ?
Spain's 13% growth driven by Banca Mediolanum S.p.A.'s strategic expansion into high-growth regions, increasing demand for digital banking services, and effective cost management. Additionally, the bank's focus on sustainable investments and ESG practices has attracted environmentally conscious clients, contributing to its growth momentum.
Segment n°5 -> Italy - Other
Expected Growth : 9 %
What the company do ?
Italy - Other from Banca Mediolanum S.p.A. refers to the bank's operations and services outside of its core business in Italy, including international activities and non-core domestic businesses.
Why we expect these perspectives ?
Italy's Other segment from Banca Mediolanum S.p.A. achieved 9% growth driven by increasing demand for wealth management services, expansion of private banking offerings, and strategic partnerships. Additionally, the segment benefited from a favorable interest rate environment, rising stock market, and growing consumer confidence, leading to increased investments and savings.
Segment n°6 -> Germany
Expected Growth : 14 %
What the company do ?
Germany is a key market for Banca Mediolanum S.p.A., an Italian banking group, where it operates through its subsidiary, Mediolanum Bank GmbH.
Why we expect these perspectives ?
Germany's 14% growth driven by strong economic fundamentals, including a highly skilled workforce, favorable business environment, and strategic location at the heart of the EU. Additionally, Banca Mediolanum S.p.A.'s presence in the country benefits from a robust financial sector, supportive government policies, and a growing demand for digital banking services.
Banca Mediolanum S.P.A. Products
| Product Range | What is it ? |
|---|---|
| Current Accounts | A type of deposit account that allows customers to deposit and withdraw money, and perform various transactions |
| Savings Accounts | A type of deposit account that earns interest and allows customers to save money |
| Investment Products | A range of investment products, including mutual funds, exchange-traded funds (ETFs), and bonds |
| Insurance Products | A range of insurance products, including life insurance, health insurance, and home insurance |
| Mortgage Loans | A type of loan that allows customers to purchase or refinance a home |
| Personal Loans | A type of loan that allows customers to borrow money for various purposes, such as consolidating debt or financing a large purchase |
| Credit Cards | A type of payment card that allows customers to make purchases and pay bills |
| Wealth Management | A range of services that help customers manage their wealth, including investment advice and portfolio management |
Banca Mediolanum S.p.A.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Banca Mediolanum S.p.A. is medium due to the presence of alternative financial institutions and digital payment systems.
Bargaining Power Of Customers
The bargaining power of customers is high due to the high level of competition in the banking industry, allowing customers to easily switch to alternative banks.
Bargaining Power Of Suppliers
The bargaining power of suppliers is low due to the bank's strong financial position and ability to negotiate favorable terms with suppliers.
Threat Of New Entrants
The threat of new entrants is medium due to the high barriers to entry in the banking industry, including regulatory requirements and capital requirements.
Intensity Of Rivalry
The intensity of rivalry is high due to the high level of competition in the banking industry, with many established players competing for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 70.50% |
| Debt Cost | 3.95% |
| Equity Weight | 29.50% |
| Equity Cost | 10.54% |
| WACC | 5.89% |
| Leverage | 239.02% |
Banca Mediolanum S.p.A. : Quality Control
Banca Mediolanum S.p.A. passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| AIBG.L | AIB Group plc provides banking and financial products and services to retail, business, and corporate customers. It operates through Retail Banking, Corporate Institutional & Business Banking, AIB UK, and Group … |
| BMPS.MI | Banca Monte dei Paschi di Siena S.p.A. provides retail and commercial banking services primarily in Italy. The company operates through Retail Banking, Corporate Banking, and Wealth Management segments. It offers … |
| OBS.VI | Oberbank AG provides various banking products and services. The company operates through Corporate and Business Banking, Personal Banking, and Financial Markets segments. It provides savings, youth, student, and business accounts; … |
| BCVN.SW | Banque Cantonale Vaudoise provides a range of financial services in Vaud Canton and rest of Switzerland, the European Union, North America, and internationally. The company offers current, savings, and retirement … |
| 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, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Banca Mediolanum
A-Score
1-Year Total Return ->
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BPER Banca
A-Score
1-Year Total Return ->
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Monte dei Paschi
A-Score
1-Year Total Return ->
4
AIB
A-Score
1-Year Total Return ->
5
Oberbank
A-Score
1-Year Total Return ->
6
