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Banca Mediolanum S.p.A (0RDO) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Banca Mediolanum S.p.A €17.08, price €23.08, upside -26.0%, quality 54 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
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Financial Services · GB · Home Italy · ISIN IT0004776628

BM Some data Oct 3, 2026

Banca Mediolanum S.p.A

0RDO · LSE

Overvalued / MonitorQuality is not strong enough to offset the price risk.

!Fair value €17.08 · Overvalued (−26.0%)
!Quality 54/100
!Weak Growth (revenue 3y −1.8 %/yr)
✓Highly profitable · 52.5% net margin (TTM)
✓Low debt
·10.6% dividend yield · Safety not assessed
✓Wide moat 80/100
!Evidence only medium, so the estimate is less certain

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

€24.45 €4.48 Fair Value €17.08 Jun 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.

How to read this chart

60‑month range €4.48 – €24.45 · fair‑value band €12.81 – €21.35 · the €23.08 price screens above the €17.08 fair value. Dashed = 300-day average. As of Oct 3, 2026.

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Company profile

Banca Mediolanum S.p.A. engages in the provision of various banking products and services in Italy. It offers current accounts; deposits products; and mortgage and personal loans.

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Banca Mediolanum S.p.A. engages in the provision of various banking products and services in Italy. It offers current accounts; deposits products; and mortgage and personal loans. The company also provides credit cards, debit cards, and prepaid cards; investment products, such as mutual funds, unit linked policies, investment strategies, trading services, asset management services, social security, and bond issues and certificates; and insurance policies, including health and personal, life, serious illness, and autonomy protection, as well as protection assistance, and home and family protection. In addition, it offers SelfyCare Pet for reimbursement of veterinary expenses; SelfyCare Travel for assistance and coverage for risks arising during trips; and SelfyCare LifeProject for a specific life project. Banca Mediolanum S.p.A. founded in 1982 and is headquartered in Basiglio, Italy.

Stock analysis

Banca Mediolanum S.p.A (0RDO) currently trades at €23.08, while our model-based Fair Value estimate is €17.08, 26.0% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of €13.77 per share, and 0 of the 6 models we run sit above the €23.08 price.

Bear case: the Asset-Based group reads lowest at €6.59, and 6 of the 6 models stay below the price. Evidence for this calculation is medium.

Scenario range: €12.81 (bear) to €21.35 (bull), the price of €23.08 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 54/100 (solid quality), in the Financial Services sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

Banca Mediolanum S.p.A reported revenue of €3.8B in FY2020 versus €4.2B in FY2016, a compound −2.5%/yr. Reported net income was €434M in FY2020, compounding +2.5%/yr from FY2016.

Key figures

Market cap €6.4B · P/S ratio 2.57 · Dividend yield 10.6% · Net margin 11.6% · Return on equity 27.8% · Return on assets (EBIT) 6.0% · Operating margin 65.0% · Revenue (TTM) €2.5B.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).

What moves the price

The share trades about 6% below its 52-week high and 50% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −26%, 0RDO screens cheaper than that median.

Fair Value models

Bear €12.81 Fair Value €17.08 Bull €21.35
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income €9.93 €11.94 €15.27 73
Gordon GGM €10.22 €11.13 €12.52 67
DDM Multi-Stage €10.22 €12.62 €15.91 65
All 6 models by family
Dividend Discount
Gordon GGM €10.22 €11.13 €12.52 67
DDM Multi-Stage €10.22 €12.62 €15.91 65
Multiples
P/E Multiple €15.21 €20.28 €25.35 63
P/B Multiple €10.32 €13.77 €17.21 55
Asset-Based
NCAV (Graham) €4.92 €6.59 €9.83 54
Economic Profit
Residual Income €9.93 €11.94 €15.27 73

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Quality Score breakdown

Overall quality 54/100

Of which business quality 53 · Market factors (momentum, volatility) 78

Profitability 29
Margins and returns on capital today
Quality Growth 17
Are margins and returns improving?
Cashflow 95
Earnings quality: real cash, not paper profit
Investment 66
Disciplined investing over empire-building
Low Volatility 81
Calm price path (market factor)
Momentum 73
Price trend over the last 3–12 months (market factor)
52W Momentum 84
Distance to the 52-week high (market factor)

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 40/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−41.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−1.8%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
73.1% (2016) → 64.3% (2020)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no share-count history
not computed

0RDO screens overvalued: fair value 26% below the price. Compare with DBS Group →

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Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

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Oversea-Chinese Banking Corporation O39 32.01 SGD 19.78 SGD −38%
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CaixaBank, S.A CABK €12.03 €8.46 −30%

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Banca Mediolanum S.p.A · Fair Value
€17.08 −26%Fair Value
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Cite: Fair Value Calculator (2026). "Banca Mediolanum S.p.A Fair Value". https://www.fairvalue-calculator.com/stock/0RDO

Frequently asked questions

Is Banca Mediolanum S.p.A (0RDO) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of €17.08 versus a price of €23.08, about −26% upside (overvalued).
What is the fair value of 0RDO?
Our model-based fair value for Banca Mediolanum S.p.A is €17.08 (as of Oct 3, 2026), built from audited fundamentals. The current price: €23.08.
What is the quality score of 0RDO?
Banca Mediolanum S.p.A has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Banca Mediolanum S.p.A (0RDO)?
Our model-based price target is the fair value of €17.08 (as of Oct 3, 2026) from 6 valuation models. Cautious scenario €12.81, optimistic scenario €21.35. It is a calculation from audited fundamentals, not an analyst target.
What is the Banca Mediolanum S.p.A stock forecast for 2026?
Our models put fair value at €17.08, about −26% upside versus a price of €23.08 (overvalued). Cautious scenario €12.81, optimistic scenario €21.35. The calculation is refreshed regularly with new filings.
What is the revenue of Banca Mediolanum S.p.A (0RDO)?
Banca Mediolanum S.p.A reported trailing-twelve-month revenue of about €2.5B (latest available figure, as of Oct 3, 2026).
Does Banca Mediolanum S.p.A pay a dividend?
Banca Mediolanum S.p.A currently shows a dividend yield of about 10.64% relative to its recent price (as of Oct 3, 2026).
What is the intrinsic value of Banca Mediolanum S.p.A (0RDO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Banca Mediolanum S.p.A it is €17.08 per share (as of Oct 3, 2026), against a price of €23.08. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Banca Mediolanum S.p.A stock overvalued or undervalued in 2026?
As of Oct 3, 2026, 0RDO trades above its calculated fair value: price €23.08, fair value €17.08, a gap of about −26% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 0RDO?
No. The price is what the market pays today (€23.08); the fair value is what the company's own numbers justify (€17.08). For Banca Mediolanum S.p.A the two are €6.00 per share apart. That gap is exactly why we show both numbers side by side.
How much is Banca Mediolanum S.p.A worth?
The market values Banca Mediolanum S.p.A at about €6.4B (market capitalisation, as of Oct 3, 2026). Per share that is €23.08; our models calculate a fair value of €17.08 per share.
What do the bullish and bearish scenarios say about 0RDO?
Our models span a range for Banca Mediolanum S.p.A: cautious scenario €12.81, base €17.08, optimistic €21.35 per share (as of Oct 3, 2026, price €23.08). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is 0RDO from its 52-week high?
Banca Mediolanum S.p.A trades at €23.08, about 6% below its 52-week high of €24.45 and 50% above the low of €15.38 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of €17.08 is for.
Which stocks are comparable to Banca Mediolanum S.p.A?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Banca Mediolanum S.p.A stock attractive at the current price?
The data as of Oct 3, 2026: price €23.08, calculated fair value €17.08 (−26%), Quality Score 54/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 0RDO calculated?
We run Banca Mediolanum S.p.A through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €17.08, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Banca Mediolanum S.p.A itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Banca Mediolanum S.p.A (0RDO)?
The closing price on Oct 2, 2026 was €23.08. Our model-based fair value is €17.08, about −26% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banca Mediolanum S.p.A right now?
The price sits above even our optimistic bull case (€21.35). The favourable scenario is already priced in. Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Banca Mediolanum S.p.A

How large is the market capitalisation of Banca Mediolanum S.p.A (0RDO)?
The market capitalisation of Banca Mediolanum S.p.A is €6.4B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Banca Mediolanum S.p.A (0RDO)?
The price-to-sales ratio of Banca Mediolanum S.p.A is 2.57 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of Banca Mediolanum S.p.A (0RDO)?
The dividend yield of Banca Mediolanum S.p.A is 10.6%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Banca Mediolanum S.p.A (0RDO)?
The net margin of Banca Mediolanum S.p.A is 11.6% (fiscal year 2020). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Banca Mediolanum S.p.A (0RDO)?
The return on equity (ROE) of Banca Mediolanum S.p.A is 27.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Banca Mediolanum S.p.A (0RDO)?
On an EBIT basis the return on assets of Banca Mediolanum S.p.A is 6.0% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Banca Mediolanum S.p.A (0RDO)?
The operating margin of Banca Mediolanum S.p.A is 65.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Banca Mediolanum S.p.A (0RDO)?
Revenue at Banca Mediolanum S.p.A is growing +11.1% versus a year earlier (3y avg −1.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Banca Mediolanum S.p.A (0RDO)?
Earnings per share at Banca Mediolanum S.p.A are growing +14.6% versus a year earlier. How much earnings per share grew versus a year earlier.
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