Banca Mediolanum S.p.A. (BMED.MI) stock analysis

In our weekly check, Banca Mediolanum S.p.A. is graded C (A to F). Of 24 checks on debt, profit, cash flow and trend: 14 pass, warnings: 3, red flags: 7.

About Banca Mediolanum S.p.A.

Banca Mediolanum S.p.A. is a Financial Services company (Banks - Regional) based in Italy, listed on MIL as BMED.MI.

What our checks show for BMED.MI

Red flags

• The gross margin fell by 3.1 points, to 96.1%: costs are rising faster than prices.
• Profits not backed by cash
• Analysts expect revenue to shrink about 15% a year.
• The stock has fallen as much as 69% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 4.8 years.
• Return on capital (ROCE) is only 1.6%.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• Analysts expect earnings per share to shrink about 1.6% a year.
• Free cash flow is only 0% of revenue.

Strengths

• The net margin rose by 20.9 points over 5 years, to 31.9%.
• Analysts expect the net margin to improve by 12.4 points from today's 31.9%.
• Revenue grew 40.4% a year over the last 3 years.
• Earnings per share grew 36.9% a year over the last 3 years.
• Net profit grew 37.5% a year over the last 3 years.
• The company keeps 31.9% of its revenue as net profit.

Next earnings report: 2026-11-10

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Questions

What grade does Banca Mediolanum S.p.A. (BMED.MI) have?

In our weekly check, Banca Mediolanum S.p.A. is graded C (A to F). Of 24 checks on debt, profit, cash flow and trend: 14 pass, warnings: 3, red flags: 7. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of BMED.MI stock?

This week's biggest flags for Banca Mediolanum S.p.A.: Gross margin falling, Profits not backed by cash, Weak revenue forecast. In total 10 of 24 checks show a warning or a red flag.

What does Banca Mediolanum S.p.A. do?

Banca Mediolanum S.p.A. is a Financial Services company (Banks - Regional) based in Italy, listed on MIL as BMED.MI.

When does Banca Mediolanum S.p.A. report earnings next?

The next earnings report is expected on 2026-11-10. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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