Banca Mediolanum S.p.A.

Banca Mediolanum S.p.A.

BNCDY
Banca Mediolanum S.p.A.US flagOther OTC
50.30
USD
-0.93
- -
75.09BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
19.3
16.09
12.37
9.87
9.11
5.71
15.76
8.47
17.39
3.83
5.18
6.56
6.6
5.12
Basic EPS, GAAP
0.91
0.87
1.19
1.07
1.03
0.7
1.54
1.18
1.94
1.37
2.22
3.04
3.35
2.69
Free Cash Flow per Basic Share
3.46
0.58
0.7
-2.44
0.56
0.85
0.9
-0.05
2.31
6.07
-4.87
2.97
0.94
- -
Dividend per Share
0.36
0.6
0.56
0.6
0.88
0.8
0.82
- -
2.02
1.19
1.08
1.59
2.46
- -
Book Value per Share
1.11
1.07
2.81
2.7
2.67
2.33
3.18
2.82
3.57
3
3.84
4.67
4.97
- -
Tangible Book Value per Share
4.02
4.43
5.09
5.29
5.43
5.06
5.84
6.9
7.26
7.43
8.76
10.34
11.56
- -
Basic Weighted Avg Shares
370
368
369
369
367
367
367
367
368
369
371
369
370
370
Sales/Revenue/Turnover
7,141
5,926
4,563
3,637
3,346
2,092
5,775
3,109
6,397
1,411
1,918
2,419
2,440
1,893
Operating Margin (%)
7.62
7.64
12.3
12.34
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
22
22
26
33
36
37
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
337
321
439
394
380
256
565
434
713
507
822
1,120
1,238
995
Effective Tax Rate (%)
38.13
29.22
21.85
12.33
15.01
39.33
23.49
18.25
19.92
21.28
22.99
22.82
13.41
9.55
Profit Margin (%)
4.71
5.41
9.61
10.82
11.36
12.22
9.79
13.98
11.15
35.92
42.84
46.28
50.72
52.54
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
624
595
226
190
154
109
148
74
68
372
386
397
389
- -
Total Equity
1,651
1,813
2,070
2,151
2,209
2,061
2,343
2,739
2,883
2,948
3,455
4,026
4,494
- -
Return on Invested Capital (%)
13.81
12.33
17.15
15.98
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
80.65
79.7
61.22
38.73
38.5
27.85
55.94
39.49
60.73
41.87
64.98
71.25
69.57
235.67

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
739
739
- -
Market Capitalization
12,571
14,360
12,650

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
895
807
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.34%
10.58%
11.64%
Free Cash Flow
-557.83%
-991.85%
-68.39%
Net Income, GAAP
19.57%
28.83%
10.56%
Sales/Revenue/Turnover
15.49%
18.16%
0.87%
Total Cash Common Dividend
- -
39.82%
55.44%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
536
536
496
858
2,419
2025
548
547
544
802
2,440
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.59
- -
- -
- -
3.04
2025
0.66
- -
- -
- -
3.35
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.59
2025
- -
- -
- -
- -
2.46
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Massimo Antonio Doris
Full Time Employees
3,871
Sector
Financial Services
Industry
Banks - Regional
Address
Palazzo Meucci Basiglio MI Italy 20079
IPO Date
Apr 28, 2016
Business
Banca Mediolanum S.p.A. (BNCDY) operates as an Italian financial services group specializing in retail banking, asset management, and insurance through its vertically integrated Mediolanum Group, which it serves as the parent company; the firm provides a comprehensive range of products including current and savings accounts, mortgages, personal loans, salary-backed loans via subsidiary Prexta, debit/credit/prepaid cards, mutual funds (such as 'Best Brands' funds on funds, 'Challenge' mutual funds, 'Fondi Italia', and real estate funds), unit-linked policies (including MyLife), managed accounts, investment strategies like Intelligent Investment Strategy and Double Chance, retirement products, life insurance via Mediolanum Vita and Mediolanum International Life, general insurance via Mediolanum Assicurazioni (covering stand-alone policies, loan protection, and group health), banking services fees, and payment solutions; asset management occurs through Mediolanum International Funds (Ireland), Mediolanum Gestione Fondi (Italy), and Mediolanum Gestion (Spain). Founded in 1982 and headquartered in Basiglio near Milan, Italy, the company targets retail customers, affluent individuals, and high-net-worth clients primarily in Italy via a network of over 6,600 self-employed Family Bankers, in Spain through Banco Mediolanum with around 1,600 Family Bankers, and in Germany; it employs a multi-channel model without physical branches, leveraging digital platforms, apps, third-party ATMs, and human advisors, with total assets under administration/management exceeding €150 billion as of September 2025, a credit book of €18.4 billion, and nearly 2 million bank customers. Recent developments include the sale of its 3.5% stake in Mediobanca in June 2025 for €548 million to reallocate capital toward core retail and wealth management growth, particularly the Grandi Patrimoni high-net-worth platform; robust 2025 performance with 9M net inflows of €8.2 billion (managed assets €6.6 billion, on track for €8-8.5 billion full-year target), total AUA/AUM at €150.4 billion, loans granted up €37% year-over-year to €2.8 billion, general insurance gross premiums up 22% to €175 million, and net income of €726 million (up 8%); ongoing time deposit promotions (latest Q3 2025 at 3% for new liquidity), network expansion with 529 Banker Consultants supporting senior advisors, customer acquisition of 148,000 in 9M, CET1 ratio at 23.2%, and an interim dividend of €0.60 per share payable November 2025.

Company News

APIChatGPT
  • Banca Mediolanum S.p.A. (BNCDY) Q1 2026 Earnings Call Transcript

  • Banca Mediolanum S.p.A. (BNCDY) Q4 2025 Earnings Call Transcript

  • Banca Mediolanum S.p.A. (OTCMKTS:BNCDY) Short Interest Update

  • Banca Mediolanum S.p.A. (BNCDY) Q3 2025 Earnings Call Transcript