Mediobanca Banca di Credito Finanziario S.p.A (MDIBF) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Mediobanca Banca di Credito Finanziario S.p.A $19.88, price $28.96, upside -31.4%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Mediobanca Banca di Credito Finanziario S.p.A
MDIBF · USOvervalued / MonitorQuality is not strong enough to offset the price risk.
What runs behind every stock
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Price vs Fair Value
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 $3.19 – $28.96 · fair‑value band $15.31 – $24.66 · the $28.96 price screens above the $19.88 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.
Company profile
Mediobanca Banca di Credito Finanziario S.p.A., together with its subsidiaries, provides various banking products and services in Italy, Other European countries, the United States, Asia, and internationally.
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Mediobanca Banca di Credito Finanziario S.p.A., together with its subsidiaries, provides various banking products and services in Italy, Other European countries, the United States, Asia, and internationally. It operates through Wealth Management, Consumer Finance, Corporate and Investment Banking, Insurance - Principal Investing, and Holding Functions segments. The Wealth Management segment offers portfolio management, asset management, and management services to private banking and premier customers. Its Consumer Finance segment provides a range of consumer credit products, including personal and special-purpose loans, salary-or pension-backed finances, and credit cards, as well as Pagolight, a buy-now-pay-later solution. The Corporate and Investment Banking segment offers lending, capital market, advisory, and trading services; and specialty finance services, such as factoring and credit management services. Its Insurance - Principal Investing segment engages in equity investment and holding activities. The Holding Functions segment is involved in treasury, and asset and liability management operations. The company was founded in 1946 and is headquartered in Milan, Italy. Mediobanca Banca di Credito Finanziario S.p.A. operates as a subsidiary of Banca Monte dei Paschi di Siena S.p.A.
Stock analysis
Mediobanca Banca di Credito Finanziario S.p.A (MDIBF) currently trades at $28.96, while our model-based Fair Value estimate is $19.88, 31.4% 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 $21.86 per share, and 0 of the 6 models we run sit above the $28.96 price.
Bear case: the Asset-Based group reads lowest at $10.46, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $15.31 (bear) to $24.66 (bull), the price of $28.96 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 58/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Mediobanca Banca di Credito Finanziario S.p.A reported revenue of €3.5B in FY2025 versus €3.0B in FY2021, a compound +4.1%/yr. Reported net income was €1.3B in FY2025, compounding +13.3%/yr from FY2021.
Key figures
Market cap $23.6B · P/E ratio 17.0 · P/S ratio 6.46 · EPS (TTM) $1.70 · Net margin 37.9% · Return on equity 11.5% · Return on assets (EBIT) 1.5% · Operating margin 54.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 29% 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 −31%, MDIBF screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 50 · Market factors (momentum, volatility) 77
Revenue & earnings trend
Growth Forecast
MDIBF screens overvalued: fair value 31% below the price. Compare with DBS Group →
Compare Mediobanca Banca di Credito Finanziario S.p.A with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1053 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 78.00 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 600036 | ¥40.69 | ¥52.73 | +30% |
| UniCredit S.p.A UCG | €79.53 | €77.12 | −3% |
| Mizuho Financial Group MFG | $11.05 | $6.82 | −38% |
| Intesa Sanpaolo S.p.A ISP | €6.38 | €4.06 | −36% |
| BNP Paribas SA BNP | €91.54 | €105.99 | +16% |
| HDFC Bank Limited HDFCBANK | ₹721.20 | ₹406.44 | −44% |
| Oversea-Chinese Banking Corporation O39 | 32.01 SGD | 19.78 SGD | −38% |
| Al Rajhi Banking and Investment Corporation 1120 | 63.15 SAR | 36.95 SAR | −41% |
| CaixaBank, S.A CABK | €12.03 | €8.46 | −30% |
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Key figures of Mediobanca Banca di Credito Finanziario S.p.A
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