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Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Banca Mediolanum's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.09.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Banca Mediolanumcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Banca Mediolanum's Cash-to-Debt or its related term are showing as below:
BNMDF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.44 Med: 3.31 Max: 78.18
Current: 1.09
During the past 13 years, Banca Mediolanum's highest Cash to Debt Ratio was 78.18. The lowest was 0.44. And the median was 3.31.
BNMDF's Cash-to-Debt is ranked worse than 55.5% of 1492
companies
in the Banks industry
Industry Median: 1.37
vs BNMDF: 1.09
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Banca Mediolanum Cash-to-Debt Related Terms
Banca Mediolanum Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Banca Mediolanum's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Banca Mediolanum's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Banca Mediolanum Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Banca Mediolanum's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Banca Mediolanum's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Banca Mediolanum (BNMDF) has a Cash-to-Debt of 1.09 as of Jun. 2026. This is 67% below median its historical median of 3.31. Over the past decade, Banca Mediolanum's Cash-to-Debt has ranged from 0.44 to 78.18. According to the industry distribution chart, Banca Mediolanum ranks #828 out of 1492 companies in the Banks industry, placing it in the top 55.5%.
Is Banca Mediolanum's Cash-to-Debt too high?
Banca Mediolanum's current Cash-to-Debt of 1.09 is 67% below median its 10-year median of 3.31. Over the past 10 years, this metric has ranged from a low of 0.44 to a high of 78.18. The Banks industry median Cash-to-Debt is 1.37. Banca Mediolanum's value of 1.09 is 20.4% below this industry median. Based on the distribution chart, Banca Mediolanum ranks #828 out of 1492 companies in the Banks industry, which is below the industry midpoint. Overall, Banca Mediolanum has a GF Score™ of 72/100, reflecting its overall financial health beyond just this single metric.
How does Banca Mediolanum's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Banca Mediolanum ranks #828 out of 1492 companies for Cash-to-Debt. This places Banca Mediolanum in the lower half of its industry. The industry median Cash-to-Debt is 1.37. Banca Mediolanum's value of 1.09 is 20.4% below this benchmark. Historically, Banca Mediolanum's own Cash-to-Debt has ranged from 0.44 to 78.18 over the past decade. While the company's 10-year median is 3.31 vs. the industry median of 1.37, Banca Mediolanum has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banca Mediolanum's current Cash-to-Debt of 1.09 is 20.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banca Mediolanum's current Cash-to-Debt is 1.09, which is 67% below median its own 10-year median of 3.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banca Mediolanum stock overvalued right now?
Banca Mediolanum (BNMDF) has a current Cash-to-Debt of 1.09. The stock's GF Value™ is $13.92, compared to a current price of $21.65 — trading 55.5% above its estimated fair value. The current Cash-to-Debt is 1.09, which is 67% below median its 10-year median of 3.31 and 20.4% below the Banks industry median of 1.37. Banca Mediolanum's overall GF Score™ is 72/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Banca Mediolanum (BNMDF), the current Cash-to-Debt is 1.09 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Banca Mediolanum (BNMDF) Overvalued in 2026?
Based on GuruFocus' analysis, Banca Mediolanum stock appears to be overvalued.
The current stock price of $21.65 is trading 55.5% above its estimated GF Value™ of $13.92.
Key valuation signals for BNMDF:
Cash-to-Debt: 1.09 (67% below median its 10-year median of 3.31)
GF Value™: $13.92 vs. price of $21.65 (55.5% above fair value)
Industry Position: 20.4% below the Banks median (#828 of 1492)
No single metric tells the full story. See the BNMDF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banca Mediolanum is an Italy-based company which provides banking and financial services. It operates with various segments namely Lending which includes Retail and Commercial Banking, Treasury activities which has trading and sales, Asset Management and Retail Brokerage. The company offers current accounts, mortgages and loan products; credit, debit, and rechargeable cards and investment products. Geographically, it operates the market of Italy, Spain, and Germany of which Italy accounts for a larger share of revenue.
72GF Score
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