Mediobanca SpAMIL:MB +0.81%49 ROE % is 6.72% as of Dec. 2025, which is 20% below its 10-year median of 8.37. GuruFocus rates MIL:MB with a GF Score™ of 49/100. The stock has 6 warning signs investors should review. Among 1,523 Banks companies, Mediobanca SpA ranks worse than 70.32% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Mediobanca SpA's annualized net income for the quarter that ended in Dec. 2025 was €764 Mil. Mediobanca SpA's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was €11,369 Mil. Therefore, Mediobanca SpA's annualized ROE % for the quarter that ended in Dec. 2025 was 6.72%.
The historical rank and industry rank for Mediobanca SpA's ROE % or its related term are showing as below:
MIL:MB'
s ROE % Range Over the Past 10 Years
Min: 6.17 Med: 8.37 Max: 11.33
Current: 7.29
During the past 13 years, Mediobanca SpA's highest ROE % was 11.33%. The lowest was 6.17%. And the median was 8.37%.
MIL:MB's ROE % is ranked worse than 70.32% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs MIL:MB: 7.29
Mediobanca SpA (MIL:MB) 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.
Mediobanca SpA ROE % Related Terms
Mediobanca SpA ROE % Historical Data
* Premium members only.
The historical data trend for Mediobanca SpA'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, Mediobanca SpA'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.
Mediobanca SpA ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Mediobanca SpA's ROE % distribution charts can be found below:
* The bar in red indicates where Mediobanca SpA'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.
Mediobanca SpA (MIL:MB) has a ROE % of 6.72% 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 Mediobanca SpA and its competitors. This is 20% below median its historical median of 8.37. Over the past decade, Mediobanca SpA's ROE % has ranged from 6.17 to 11.33. According to the industry distribution chart, Mediobanca SpA ranks #1071 out of 1523 companies in the Banks industry, placing it in the top 70.3%.
Is Mediobanca SpA's ROE % too high?
Mediobanca SpA's current ROE % of 6.72% is 20% below median its 10-year median of 8.37. Over the past 10 years, this metric has ranged from a low of 6.17 to a high of 11.33. The Banks industry median ROE % is 10.22. Mediobanca SpA's value of 6.72% is 34.2% below this industry median. Based on the distribution chart, Mediobanca SpA ranks #1071 out of 1523 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 ROE % compare to competitors?
According to the Banks industry distribution chart, Mediobanca SpA ranks #1071 out of 1523 companies for ROE %. This places Mediobanca SpA in the lower half of its industry. The industry median ROE % is 10.22. Mediobanca SpA's value of 6.72% is 34.2% below this benchmark. Historically, Mediobanca SpA's own ROE % has ranged from 6.17 to 11.33 over the past decade. While the company's 10-year median is 8.37 vs. the industry median of 10.22, 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 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. Mediobanca SpA's current ROE % of 6.72% is 34.2% 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 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 Mediobanca SpA 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. Mediobanca SpA's current ROE % is 6.72%, which is 20% below median its own 10-year median of 8.37. 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 ROE % of 6.72%. The current ROE % is 6.72%, which is 20% below median its 10-year median of 8.37 and 34.2% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Mediobanca SpA (MIL:MB), the current ROE % is 6.72% 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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