Loading stockData sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Loading stockData sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Not financial advice. Analytical data for research only.
Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.
Mediobanca Banca di Credito Finanziario S.p.A. is an Italian investment bank founded in 1946 and headquartered in Milan. It provides a comprehensive range of financial and banking services across key segments: Corporate and Investment Banking, which offers wholesale banking, specialty finance, lending, proprietary trading, factoring, and credit management to corporate clients; Principal Investing, focused on equity investments and holdings; Consumer Banking, delivering retail products such as personal loans, salary-backed financing, cards, accounts, and home insurance; and Wealth Management, specializing in asset management for affluent and high-net-worth individuals. The Holding Functions segment oversees treasury, anti-money laundering, staffing, and administrative activities. Mediobanca operates through branch offices, ATMs, online portals, and direct sales forces primarily in Europe and the Americas, employing around 5,368 people. Listed on the Milan Stock Exchange since 1956, it maintains a dividend policy distributing a percentage of cashed earnings annually, typically in November, positioning it as a significant player in the European financial services sector with inclusion in major international indices like STOXX Europe 600 and various Bloomberg and S&P benchmarks.
€28.52
+€0.39 (+1.37%)
EOD Sep 15, 2026
At 17x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
17.4x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue
N/A
Net Income (TTM)
€1.33B
▲ +4.4% YoY
Net Margin
—
P/E
17.4x
Balance Sheet
Total Assets
€104.20B
Equity
€11.38B
Total Debt
€37.91B
Cash & Equiv.
€1.66B
3Y CAGR: +7.9%
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At a P/E of 17.4, Mediobanca Banca di Credito Finanziario SpA (MB.XMIL) trades above a two-stage DCF intrinsic value of about €-22.80 per share, so at €28.52 the stock looks overvalued (180.0% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Mediobanca Banca di Credito Finanziario SpA scores 80/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about €-22.80 per share for MB.XMIL, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around €-17.10. At today's €28.52, that puts the stock about 180.0% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Mediobanca Banca di Credito Finanziario SpA scores 80 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. MB.XMIL currently trades above its estimated intrinsic value and scores 80/100 on quality (high-quality). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.