Mediobanca SpAMIL:MB -1.08%49 Return-on-Tangible-Equity is 7.03% as of Dec. 2025, which is 21% below its 10-year median of 8.95. GuruFocus rates MIL:MB with a GF Score™ of 49/100. The stock has 6 warning signs investors should review. Among 1,525 Banks companies, Mediobanca SpA ranks worse than 70.43% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Mediobanca SpA's annualized net income for the quarter that ended in Dec. 2025 was €764 Mil. Mediobanca SpA's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €10,857 Mil. Therefore, Mediobanca SpA's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 7.03%.
The historical rank and industry rank for Mediobanca SpA's Return-on-Tangible-Equity or its related term are showing as below:
MIL:MB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.77 Med: 8.95 Max: 12.34
Current: 7.64
During the past 13 years, Mediobanca SpA's highest Return-on-Tangible-Equity was 12.34%. The lowest was 6.77%. And the median was 8.95%.
MIL:MB's Return-on-Tangible-Equity is ranked worse than 70.43% of 1525
companies
in the Banks industry
Industry Median: 11.21
vs MIL:MB: 7.64
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Mediobanca SpA Return-on-Tangible-Equity Related Terms
Mediobanca SpA Return-on-Tangible-Equity Historical Data
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The historical data trend for Mediobanca SpA's Return-on-Tangible-Equity 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.
For the Banks - Regional subindustry, Mediobanca SpA's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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.
Mediobanca SpA Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Mediobanca SpA's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Mediobanca SpA's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 7.03% mean?
Mediobanca SpA (MIL:MB) has a Return-on-Tangible-Equity of 7.03% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Mediobanca SpA and its competitors. This is 21% below median its historical median of 8.95. Over the past decade, Mediobanca SpA's Return-on-Tangible-Equity has ranged from 6.77 to 12.34. According to the industry distribution chart, Mediobanca SpA ranks #1074 out of 1525 companies in the Banks industry, placing it in the top 70.4%.
Is Mediobanca SpA's Return-on-Tangible-Equity too high?
Mediobanca SpA's current Return-on-Tangible-Equity of 7.03% is 21% below median its 10-year median of 8.95. Over the past 10 years, this metric has ranged from a low of 6.77 to a high of 12.34. The Banks industry median Return-on-Tangible-Equity is 11.21. Mediobanca SpA's value of 7.03% is 37.3% below this industry median. Based on the distribution chart, Mediobanca SpA ranks #1074 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, Mediobanca SpA has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Mediobanca SpA's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Mediobanca SpA ranks #1074 out of 1525 companies for Return-on-Tangible-Equity. This places Mediobanca SpA in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.21. Mediobanca SpA's value of 7.03% is 37.3% below this benchmark. Historically, Mediobanca SpA's own Return-on-Tangible-Equity has ranged from 6.77 to 12.34 over the past decade. While the company's 10-year median is 8.95 vs. the industry median of 11.21, Mediobanca SpA 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mediobanca SpA's current Return-on-Tangible-Equity of 7.03% is 37.3% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Mediobanca SpA and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mediobanca SpA's current Return-on-Tangible-Equity is 7.03%, which is 21% below median its own 10-year median of 8.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mediobanca SpA stock overvalued right now?
Mediobanca SpA (MIL:MB) has a current Return-on-Tangible-Equity of 7.03%. The current Return-on-Tangible-Equity is 7.03%, which is 21% below median its 10-year median of 8.95 and 37.3% below the Banks industry median of 11.21. Mediobanca SpA's overall GF Score™ is 49/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Mediobanca SpA (MIL:MB), the current Return-on-Tangible-Equity is 7.03% as of Dec. 2025. 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.
Mediobanca SpA is a specialized financial group operating in Wealth Management, Corporate & Investment Banking, and Consumer Finance in the Italian market. It operates through four divisions: Wealth Management, which provides savings products and investment and wealth management services; Corporate & Investment Banking, which provides financial advisory services and capital markets transactions; Consumer Finance, which offers personal loans, credit cards, salary-backed loans, and HeyLight BNPL solutions; and Insurance & Principal Investing, which manages equity investments including Assicurazioni Generali. Holding Functions support Group operations. The majority of revenue comes from Consumer Finance.
49GF Score
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