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Banca Mediolanum S.p.A. BNCDY

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51.34 USD +0.79 (+1.56%)

At closeNov 6, 2026, 4:00 PM EST

49.61 Day range 52.03
36.55 52-week range 56.59
YTD
+12.24%
1 year
+20.06%

Financial health

Altman Z-Score

0.59 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 5
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 1
  • P/B 1

Valuation

P/E 48.4×
FY 2016: 51.7×FY 2017: 55.4×FY 2018: 58.1×FY 2019: 45.8×FY 2020: 48.3×FY 2021: 34.0×FY 2022: 45.9×FY 2023: 31.3×FY 2024: 30.2×FY 2025: 48.4×
FY 2016 5y median 34.0× FY 2025
P/S 11.7×
FY 2016: 5.4×FY 2017: 6.2×FY 2018: 6.9×FY 2019: 4.4×FY 2020: 6.6×FY 2021: 3.8×FY 2022: 15.7×FY 2023: 10.6×FY 2024: 11.2×FY 2025: 11.7×
FY 2016 5y median 11.2× FY 2025
P/B 12.8×
FY 2016: 9.5×FY 2017: 9.6×FY 2018: 7.2×FY 2019: 11.0×FY 2020: 7.6×FY 2021: 8.4×FY 2022: 8.0×FY 2023: 7.4×FY 2024: 8.4×FY 2025: 12.8×
FY 2016 5y median 8.4× FY 2025
P/FCF 11.7×
FY 2016: -22.6×FY 2017: 103×FY 2018: 47.8×FY 2019: 78.8×FY 2020: -421×FY 2021: 28.6×FY 2022: 10.4×FY 2023: -14.2×FY 2024: 30.9×FY 2025: 11.7×
FY 2016 5y median 11.7× FY 2025
EV/EBITDA 43.3×
FY 2016: 41.3×FY 2017: 42.9×FY 2018: 31.6×FY 2019: 32.4×FY 2020: 35.0×FY 2021: 20.2×FY 2022: 29.5×FY 2023: 24.1×FY 2024: 22.7×FY 2025: 43.3×
FY 2016 5y median 24.1× FY 2025
EV/Sales 12.3×
FY 2016: 5.3×FY 2017: 6.0×FY 2018: 6.7×FY 2019: 4.4×FY 2020: 6.3×FY 2021: 2.9×FY 2022: 14.1×FY 2023: 10.6×FY 2024: 10.9×FY 2025: 12.3×
FY 2016 5y median 10.9× FY 2025
FCF Yield 8.5%
FY 2016: -4.4%FY 2017: 1.0%FY 2018: 2.1%FY 2019: 1.3%FY 2020: -0.2%FY 2021: 3.5%FY 2022: 9.6%FY 2023: -7.0%FY 2024: 3.2%FY 2025: 8.5%
FY 2016 5y median 3.5% FY 2025

Profitability

Gross Margin 92.3%
FY 2016: 96.6%FY 2017: 97.5%FY 2018: 96.3%FY 2019: 98.9%FY 2020: 97.7%FY 2021: 99.2%FY 2022: 94.7%FY 2023: 79.1%FY 2024: 80.4%FY 2025: 92.3%
FY 2016 5y median 92.3% FY 2025
Operating Margin 28.0%
FY 2016: 11.9%FY 2017: 13.0%FY 2018: 19.4%FY 2019: 12.7%FY 2020: 16.7%FY 2021: 13.8%FY 2022: 43.2%FY 2023: 44.0%FY 2024: 48.2%FY 2025: 28.0%
FY 2016 5y median 43.2% FY 2025
Net Margin 24.3%
FY 2016: 10.5%FY 2017: 11.1%FY 2018: 11.8%FY 2019: 9.7%FY 2020: 13.7%FY 2021: 11.1%FY 2022: 34.0%FY 2023: 33.9%FY 2024: 37.2%FY 2025: 24.3%
FY 2016 5y median 33.9% FY 2025
ROE 26.5%
FY 2016: 18.3%FY 2017: 17.2%FY 2018: 12.4%FY 2019: 24.1%FY 2020: 15.9%FY 2021: 24.7%FY 2022: 17.3%FY 2023: 23.8%FY 2024: 27.8%FY 2025: 26.5%
FY 2016 5y median 24.7% FY 2025
ROIC 1.3%
FY 2016: 1.6%FY 2017: 1.5%FY 2018: 1.3%FY 2019: -7.3%FY 2020: 1.6%FY 2021: 2.1%FY 2022: -1.6%FY 2023: 2.3%FY 2024: 2.9%FY 2025: 1.3%
FY 2016 5y median 2.1% FY 2025
ROA 1.3%
FY 2016: 0.9%FY 2017: 0.9%FY 2018: 0.5%FY 2019: 1.1%FY 2020: 0.7%FY 2021: 1.0%FY 2022: 0.7%FY 2023: 1.1%FY 2024: 1.3%FY 2025: 1.3%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 63.0%
FY 2016: -20.6%FY 2017: -8.9%FY 2018: -36.7%FY 2019: 168.7%FY 2020: -45.5%FY 2021: 102.7%FY 2022: -76.9%FY 2023: 62.8%FY 2024: 24.1%FY 2025: 63.0%
FY 2016 FY 2025
Operating Income -5.3%
FY 2016: -20.0%FY 2017: -0.4%FY 2018: -5.7%FY 2019: 75.3%FY 2020: -28.1%FY 2021: 67.6%FY 2022: -27.7%FY 2023: 65.8%FY 2024: 35.9%FY 2025: -5.3%
FY 2016 FY 2025
EPS (diluted) 5.3%
FY 2016: -10.2%FY 2017: -3.8%FY 2018: -31.4%FY 2019: 120.0%FY 2020: -23.4%FY 2021: 64.4%FY 2022: -29.9%FY 2023: 61.8%FY 2024: 38.2%FY 2025: 5.3%
FY 2016 FY 2025
Free Cash Flow 346.6%
FY 2016: -447.3%FY 2017: 122.9%FY 2018: 51.6%FY 2019: 5.2%FY 2020: -115.2%FY 2021: 1805.2%FY 2022: 163.5%FY 2023: -180.8%FY 2024: 160.7%FY 2025: 346.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 7.1×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 7.1×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.7×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.7×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA 2.0×
FY 2016: -0.9×FY 2017: -0.9×FY 2018: -0.9×FY 2019: -0.5×FY 2020: -1.3×FY 2021: -5.6×FY 2022: -3.3×FY 2023: 0.0×FY 2024: -0.6×FY 2025: 2.0×
FY 2016 5y median -0.6× FY 2025
Interest Coverage 3.9×
FY 2016: 3.5×FY 2017: 5.2×FY 2018: 5.2×FY 2019: 11.7×FY 2020: 7.3×FY 2021: 16.6×FY 2022: 8.2×FY 2023: 2.1×FY 2024: 2.5×FY 2025: 3.9×
FY 2016 5y median 3.9× FY 2025

Dividends

Dividend Yield 1.5%
FY 2016: 1.1%FY 2017: 1.5%FY 2018: 2.0%FY 2019: 1.2%FY 2020: 0.0%FY 2021: 3.1%FY 2022: 1.9%FY 2023: 1.6%FY 2024: 1.7%FY 2025: 1.5%
FY 2016 5y median 1.7% FY 2025
Payout Ratio 73.4%
FY 2016: 56.2%FY 2017: 85.2%FY 2018: 114.8%FY 2019: 53.2%FY 2020: 0.0%FY 2021: 104.3%FY 2022: 86.4%FY 2023: 48.8%FY 2024: 52.2%FY 2025: 73.4%
FY 2016 5y median 73.4% FY 2025

Annual · latest fiscal year ends 2025-12-31