Mediobanca Banca di Credito Finanziario S.p.A.
Mediobanca Banca di Credito Finanziario S.p.A. Fundamental Analysis
Mediobanca Banca di Credito Finanziario S.p.A. (MDIBF) shows weak financial fundamentals with a PE ratio of 48.78, profit margin of 38.06%, and ROE of 2.97%. The company generates $0.9B in annual revenue with weak year-over-year growth of -33.54%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -15.6/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze MDIBF's fundamental strength across five key dimensions:
Efficiency Score
WeakMDIBF struggles to generate sufficient returns from assets.
Valuation Score
WeakMDIBF trades at a premium to fair value.
Growth Score
WeakMDIBF faces weak or negative growth trends.
Financial Health Score
WeakMDIBF carries high financial risk with limited liquidity.
Profitability Score
ModerateMDIBF maintains healthy but balanced margins.
Key Financial Metrics
Is MDIBF Expensive or Cheap?
P/E Ratio
MDIBF trades at 48.78 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, MDIBF's PEG of 6.60 indicates potential overvaluation.
Price to Book
The market values Mediobanca Banca di Credito Finanziario S.p.A. at 1.45 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.00 times EBITDA. This is generally considered low.
How Well Does MDIBF Make Money?
Net Profit Margin
For every $100 in sales, Mediobanca Banca di Credito Finanziario S.p.A. keeps $38.06 as profit after all expenses.
Operating Margin
Core operations generate 54.68 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $2.97 in profit for every $100 of shareholder equity.
ROA
Mediobanca Banca di Credito Finanziario S.p.A. generates $0.32 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Mediobanca Banca di Credito Finanziario S.p.A. generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Mediobanca Banca di Credito Finanziario 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
MDIBF converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
48.78
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
6.60
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.45
vs 25 benchmark
P/S Ratio
Price to sales ratio
18.41
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
3.59
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.03
vs 25 benchmark
ROA
Return on assets percentage
0.003
vs 25 benchmark
ROCE
Return on capital employed
0.005
vs 25 benchmark
How MDIBF Stacks Against Its Sector Peers
| Metric | MDIBF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 48.78 | 18.73 | Worse (Expensive) |
| ROE | 2.97% | 847.00% | Weak |
| Net Margin | 38.06% | 2562.00% | Weak |
| Debt/Equity | 3.59 | 0.93 | Weak (High Leverage) |
| Current Ratio | 0.00 | 674.76 | Weak Liquidity |
| ROA | 0.32% | -21692.00% (disorted) | Weak |
MDIBF outperforms its industry in 0 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Mediobanca Banca di Credito Finanziario 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
31.11%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
134.43%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-100.00%
Industry Style: Value, Dividend, Cyclical
Declining