Banca MediolanumBNMDF -1.81%58 ROE % is 45.81% as of Dec. 2025, which is 108% above its 10-year median of 22.01. GuruFocus rates BNMDF with a GF Score™ of 58/100 and a GF Value™ of $14.99 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,523 Banks companies, Banca Mediolanum ranks better than 96.91% on this metric.
The historical rank and industry rank for Banca Mediolanum's ROE % or its related term are showing as below:
BNMDF'
s ROE % Range Over the Past 10 Years
Min: 11.98 Med: 22.01 Max: 29.93
Current: 28.57
During the past 13 years, Banca Mediolanum's highest ROE % was 29.93%. The lowest was 11.98%. And the median was 22.01%.
BNMDF's ROE % is ranked better than 96.91% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs BNMDF: 28.57
Banca Mediolanum (OTCPK:BNMDF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Banca Mediolanum ROE % Related Terms
Banca Mediolanum ROE % Historical Data
* Premium members only.
The historical data trend for Banca Mediolanum's ROE % 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, Banca Mediolanum's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Banca Mediolanum's ROE % distribution charts can be found below:
* The bar in red indicates where Banca Mediolanum's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Banca Mediolanum (BNMDF) has a ROE % of 45.81% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Banca Mediolanum and its competitors. This is 108% above median its historical median of 22.01. Over the past decade, Banca Mediolanum's ROE % has ranged from 11.98 to 29.93. According to the industry distribution chart, Banca Mediolanum ranks #47 out of 1523 companies in the Banks industry, placing it in the top 3.1%.
Is Banca Mediolanum's ROE % too high?
Banca Mediolanum's current ROE % of 45.81% is 108% above median its 10-year median of 22.01. Over the past 10 years, this metric has ranged from a low of 11.98 to a high of 29.93. The Banks industry median ROE % is 10.22. Banca Mediolanum's value of 45.81% is 348.2% above this industry median. Based on the distribution chart, Banca Mediolanum ranks #47 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banca Mediolanum has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banca Mediolanum's ROE % compare to competitors?
According to the Banks industry distribution chart, Banca Mediolanum ranks #47 out of 1523 companies for ROE %. This places Banca Mediolanum in the top 3% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Banca Mediolanum's value of 45.81% is 348.2% above this benchmark. Historically, Banca Mediolanum's own ROE % has ranged from 11.98 to 29.93 over the past decade. While the company's 10-year median is 22.01 vs. the industry median of 10.22, Banca Mediolanum has consistently been above 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banca Mediolanum's current ROE % of 45.81% is 348.2% above 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Banca Mediolanum and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banca Mediolanum's current ROE % is 45.81%, which is 108% above median its own 10-year median of 22.01. 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?
Based on GuruFocus' analysis, Banca Mediolanum (BNMDF) is currently considered Significantly Overvalued. The stock's GF Value™ is $14.99, compared to a current price of $21.65 — trading 44.4% above its estimated fair value. The current ROE % is 45.81%, which is 108% above median its 10-year median of 22.01 and 348.2% above the Banks industry median of 10.22. Banca Mediolanum's overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Banca Mediolanum (BNMDF), the current ROE % is 45.81% 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.
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 44.4% above its estimated GF Value™ of $14.99.
GuruFocus considers Banca Mediolanum to be Significantly Overvalued.
Key valuation signals for BNMDF:
ROE %: 45.81% (108% above median its 10-year median of 22.01)
GF Value™: $14.99 vs. price of $21.65 (44.4% above fair value)
Industry Position: 348.2% above the Banks median (#47 of 1523)
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.
58GF Score
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