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 10.87, profit margin of 32.68%, and ROE of 28.42%. The company generates $3.9B in annual revenue with strong year-over-year growth of 69.66%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 71.1/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
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
ExcellentBNMDF trades at attractive valuation levels.
Growth Score
ExcellentBNMDF delivers strong and consistent growth momentum.
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 10.87 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BNMDF's PEG of 1.22 indicates fair valuation.
Price to Book
The market values Banca Mediolanum S.p.A. at 2.89 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 8.01 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 $32.68 as profit after all expenses.
Operating Margin
Core operations generate 38.04 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $28.42 in profit for every $100 of shareholder equity.
ROA
Banca Mediolanum S.p.A. generates $1.34 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
10.87
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.22
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.89
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.52
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.39
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
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
0.02
vs 25 benchmark
How BNMDF Stacks Against Its Sector Peers
| Metric | BNMDF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.87 | 19.04 | Better (Cheaper) |
| ROE | 28.42% | 808.00% | Weak |
| Net Margin | 32.68% | -7820.00% (disorted) | Strong |
| Debt/Equity | 0.39 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 611.26 | Weak Liquidity |
| ROA | 1.34% | -23985.00% (disorted) | Weak |
BNMDF outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, 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
59.57%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
183.41%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
72638.71%
Industry Style: Value, Dividend, Cyclical
High Growth