Mediobanca SpAMIL:MB +0.81%49 ROA % is 0.73% as of Dec. 2025, which is 31% below its 10-year median of 1.06. GuruFocus rates MIL:MB with a GF Score™ of 49/100. The stock has 6 warning signs investors should review. Among 1,528 Banks companies, Mediobanca SpA ranks worse than 63.29% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Mediobanca SpA's annualizedNet Income for the quarter that ended in Dec. 2025 was €764 Mil.
Mediobanca SpA's average Total Assets over the quarter that ended in Dec. 2025 was €105,295 Mil. Therefore, Mediobanca SpA's annualized ROA % for the quarter that ended in Dec. 2025 was 0.73%.
The historical rank and industry rank for Mediobanca SpA's ROA % or its related term are showing as below:
MIL:MB'
s ROA % Range Over the Past 10 Years
Min: 0.76 Med: 1.06 Max: 1.33
Current: 0.79
During the past 13 years, Mediobanca SpA's highest ROA % was 1.33%. The lowest was 0.76%. And the median was 1.06%.
MIL:MB's ROA % is ranked worse than 63.29% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs MIL:MB: 0.79
Mediobanca SpA (MIL:MB) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Mediobanca SpA ROA % Related Terms
Mediobanca SpA ROA % Historical Data
* Premium members only.
The historical data trend for Mediobanca SpA's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Mediobanca SpA's ROA % distribution charts can be found below:
* The bar in red indicates where Mediobanca SpA's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Mediobanca SpA (MIL:MB) has a ROA % of 0.73% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Mediobanca SpA and its competitors. This is 31% below median its historical median of 1.06. Over the past decade, Mediobanca SpA's ROA % has ranged from 0.76 to 1.33. According to the industry distribution chart, Mediobanca SpA ranks #967 out of 1528 companies in the Banks industry, placing it in the top 63.3%.
Is Mediobanca SpA's ROA % too high?
Mediobanca SpA's current ROA % of 0.73% is 31% below median its 10-year median of 1.06. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 1.33. The Banks industry median ROA % is 0.98. Mediobanca SpA's value of 0.73% is 25.5% below this industry median. Based on the distribution chart, Mediobanca SpA ranks #967 out of 1528 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 ROA % compare to competitors?
According to the Banks industry distribution chart, Mediobanca SpA ranks #967 out of 1528 companies for ROA %. This places Mediobanca SpA in the lower half of its industry. The industry median ROA % is 0.98. Mediobanca SpA's value of 0.73% is 25.5% below this benchmark. Historically, Mediobanca SpA's own ROA % has ranged from 0.76 to 1.33 over the past decade. While the company's 10-year median is 1.06 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mediobanca SpA's current ROA % of 0.73% is 25.5% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Mediobanca SpA and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mediobanca SpA's current ROA % is 0.73%, which is 31% below median its own 10-year median of 1.06. 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 ROA % of 0.73%. The current ROA % is 0.73%, which is 31% below median its 10-year median of 1.06 and 25.5% below the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Mediobanca SpA (MIL:MB), the current ROA % is 0.73% 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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