Banca Mediolanum S.p.A.
Banca Mediolanum S.p.A. Fundamental Analysis
Banca Mediolanum S.p.A. (BNMDF) shows strong financial fundamentals with a PE ratio of 11.91, profit margin of 39.84%, and ROE of 27.56%. The company generates $2.9B in annual revenue with weak year-over-year growth of -44.15%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 10.1/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze BNMDF's fundamental strength across five key dimensions:
Efficiency Score
WeakBNMDF struggles to generate sufficient returns from assets.
Valuation Score
ModerateBNMDF shows balanced valuation metrics.
Growth Score
ModerateBNMDF shows steady but slowing expansion.
Financial Health Score
ModerateBNMDF shows balanced financial health with some risks.
Profitability Score
ModerateBNMDF maintains healthy but balanced margins.
Key Financial Metrics
Is BNMDF Expensive or Cheap?
P/E Ratio
BNMDF trades at 11.91 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BNMDF's PEG of 7.21 indicates potential overvaluation.
Price to Book
The market values Banca Mediolanum S.p.A. at 3.15 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 9.33 times EBITDA. This is generally considered low.
How Well Does BNMDF Make Money?
Net Profit Margin
For every $100 in sales, Banca Mediolanum S.p.A. keeps $39.84 as profit after all expenses.
Operating Margin
Core operations generate 51.83 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $27.56 in profit for every $100 of shareholder equity.
ROA
Banca Mediolanum S.p.A. generates $1.33 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Banca Mediolanum S.p.A. generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Banca Mediolanum S.p.A. generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
BNMDF converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.91
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
7.21
vs 25 benchmark
P/B Ratio
Price to book value ratio
3.15
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.70
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.09
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.03
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.28
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.03
vs 25 benchmark
How BNMDF Stacks Against Its Sector Peers
| Metric | BNMDF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.91 | 18.73 | Better (Cheaper) |
| ROE | 27.56% | 847.00% | Weak |
| Net Margin | 39.84% | 2562.00% | Weak |
| Debt/Equity | 0.09 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.03 | 674.76 | Weak Liquidity |
| ROA | 1.33% | -21692.00% (disorted) | Weak |
BNMDF outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Banca Mediolanum S.p.A.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-65.61%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
96.86%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
215.34%
Industry Style: Value, Dividend, Cyclical
High Growth