Banca Mediolanum S.p.A. BMED.MI
Composite 57/100; the shares have moved about 23% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Growth ranks 35/100 — a moderate mark against it.
Income ranks 91/100 — a strong point in its favour. Momentum ranks 86/100 — a strong point in its favour. Quality ranks 63/100 — a moderate point in its favour.
Growth ranks 35/100 — a moderate mark against it. Balance-sheet strength ranks 38/100 — a slight mark against it.
What the company does Banca Mediolanum S.p.A. is an Italian retail bank offering current accounts, loans, cards, investment products, insurance, and protection services. Its model blends traditional banking with asset management and insurance, targeting affluent households.
Key financials ROE 27.8% and ROA 1.4% signal strong profitability. Net margin 52.1% and operating margin 65.9% reflect disciplined cost control. Revenue and EPS growth stand at 6.0% and 14.6%, respectively. Dividend yield is 5.6% with a 71.6% payout ratio.
Stock health Momentum is robust: 3m +26.05%, 6m +20.44%, 12m +60.56%. RSI(14) at 62.30 indicates mild upside pressure. Overall Sideravia score 61.3 reflects average quality but positive momentum and valuation.
Price vs fair value The stock trades at a **discount** of 6.30% versus our fair-value estimate and a **discount** of 3.30% versus the 12-month target. - Record Q2 2026 net income surged 16% (GuruFocus.com) - Valuation percentile 61.4/100 suggests fair pricing - Income pillar score 90.1 supports the dividend appeal - Growth pillar score 47.5 indicates room for improvement
Looking forward Forward P/E of 14.84 and P/B of 3.56 frame the valuation. Analysts see limited upside near-term, balancing strong profitability with moderate growth prospects.
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Data as of 2026-09-03, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.