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BNCDY (Banca Mediolanum SPA ADR) Stock Analysis
Buy, Hold or Sell?

Let's analyze Banca Mediolanum SPA ADR together

I guess you are interested in Banca Mediolanum SPA ADR. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

  • 📊 Fundamental Analysis (FA) – Banca Mediolanum SPA ADR’s Financial Insights
  • 📈 Technical Analysis (TA) – Banca Mediolanum SPA ADR’s Price Targets

I'm going to help you getting a better view of Banca Mediolanum SPA ADR. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Banca Mediolanum SPA ADR (30 sec.)










1.2. What can you expect buying and holding a share of Banca Mediolanum SPA ADR? (30 sec.)

How much money do you get?

How much money do you get?
$0.00
When do you have the money?
1 year
How often do you get paid?
90.0%

What is your share worth?

Current worth
$5.29
Expected worth in 1 year
$15.73
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
$10.44
Return On Investment
31.7%

For what price can you sell your share?

Current Price per Share
$32.91
Expected price per share
$32.91 - $32.91
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Banca Mediolanum SPA ADR (5 min.)




Live pricePrice per Share (EOD)
$32.91

2.2. Growth of Banca Mediolanum SPA ADR (5 min.)




Is Banca Mediolanum SPA ADR growing?

Current yearPrevious yearGrowGrow %
How rich?$7.8b$3.9b$3.8b48.9%

How much money is Banca Mediolanum SPA ADR making?

Current yearPrevious yearGrowGrow %
Making money$1.1b$949.6m$169.9m15.2%
Net Profit Margin56.2%42.8%--

How much money comes from the company's main activities?

2.3. Financial Health of Banca Mediolanum SPA ADR (5 min.)




2.4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Banca Mediolanum SPA ADR?

Welcome investor! Banca Mediolanum SPA ADR's management wants to use your money to grow the business. In return you get a share of Banca Mediolanum SPA ADR.

First you should know what it really means to hold a share of Banca Mediolanum SPA ADR. And how you can make/lose money.

Speculation

The Price per Share of Banca Mediolanum SPA ADR is $32.91. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Banca Mediolanum SPA ADR.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Banca Mediolanum SPA ADR, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $5.29. Based on the TTM, the Book Value Change Per Share is $2.61 per quarter. Based on the YOY, the Book Value Change Per Share is $0.40 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Banca Mediolanum SPA ADR.

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.762.3%0.762.3%0.641.9%0.601.8%0.541.6%0.431.3%
Usd Book Value Change Per Share2.617.9%2.617.9%0.401.2%1.013.1%0.692.1%0.391.2%
Usd Dividend Per Share0.000.0%0.000.0%0.270.8%0.200.6%0.290.9%0.250.8%
Usd Total Gains Per Share2.617.9%2.617.9%0.672.0%1.223.7%0.983.0%0.641.9%
Usd Price Per Share23.74-23.74-18.85-19.85-15.86-14.25-
Price to Earnings Ratio31.26-31.26-29.53-34.21-27.61-34.63-
Price-to-Total Gains Ratio9.10-9.10-27.96-27.97-28.11-46.42-
Price to Book Ratio4.48-4.48-7.03-6.32-5.54-6.44-
Price-to-Total Gains Ratio9.10-9.10-27.96-27.97-28.11-46.42-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share32.9125
Number of shares30
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.29
Usd Book Value Change Per Share2.610.69
Usd Total Gains Per Share2.610.98
Gains per Quarter (30 shares)78.2729.39
Gains per Year (30 shares)313.09117.58
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
103133033583108
2062661669166226
30939929104249344
4012521242139332462
5015651555173415580
6018791868208498698
7021922181242581816
8025052494277664934
90281828073127471052
100313131203468301170

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%21.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%9.01.00.090.0%17.04.00.081.0%
Dividend per Share0.00.01.00.0%2.00.01.066.7%4.00.01.080.0%9.00.01.090.0%20.00.01.095.2%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%20.01.00.095.2%
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3.2. Key Performance Indicators

The key performance indicators of Banca Mediolanum SPA ADR compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share--2.6092.6090%0.405+544%1.013+158%0.691+277%0.388+572%
Book Value Per Share--5.2935.2930%2.684+97%3.418+55%2.931+81%2.312+129%
Current Ratio----0%0.018-100%6.178-100%11.913-100%9.840-100%
Debt To Asset Ratio--0.9130.9130%0.956-4%0.943-3%0.949-4%0.951-4%
Debt To Equity Ratio--21.17021.1700%21.529-2%22.257-5%22.366-5%21.333-1%
Dividend Per Share----0%0.269-100%0.202-100%0.289-100%0.249-100%
Enterprise Value---47127584624.560-47127584624.5600%-57678763002.264+22%-52682343312.041+12%-51091105637.284+8%-39142033084.469-17%
Eps--0.7590.7590%0.638+19%0.601+26%0.540+41%0.429+77%
Ev To Ebitda Ratio---31.171-31.1710%2571.833-101%826.172-104%608.375-105%284.726-111%
Ev To Sales Ratio---23.648-23.6480%-26.019+10%-27.075+14%-22.056-7%-14.753-38%
Gross Profit Margin--0.9630.9630%0.954+1%0.951+1%0.947+2%0.933+3%
Market Cap12137011501.600-188%35000967375.44035000967375.4400%28045444421.236+25%29425015269.792+19%23487650056.073+49%21086914995.625+66%
Net Profit Margin--0.5620.5620%0.428+31%0.449+25%0.322+74%0.215+161%
Operating Margin--0.7290.7290%0.557+31%0.598+22%0.424+72%0.293+149%
Operating Ratio--0.3900.3900%0.396-2%0.631-38%0.783-50%0.895-56%
Pb Ratio6.218+28%4.4844.4840%7.025-36%6.316-29%5.541-19%6.436-30%
Pe Ratio43.350+28%31.26231.2620%29.532+6%34.212-9%27.606+13%34.628-10%
Price Per Share32.913+28%23.73523.7350%18.854+26%19.846+20%15.856+50%14.251+67%
Price To Free Cash Flow Ratio----0%-15.5260%-1.9210%4.797-100%-2.1650%
Price To Total Gains Ratio12.614+28%9.0979.0970%27.960-67%27.974-67%28.111-68%46.422-80%
Quick Ratio----0%0.022-100%8.582-100%14.110-100%14.018-100%
Return On Assets--0.0120.0120%0.011+18%0.010+24%0.009+32%0.009+37%
Return On Equity--0.2890.2890%0.238+21%0.235+23%0.222+30%0.204+41%
Total Gains Per Share--2.6092.6090%0.674+287%1.215+115%0.980+166%0.637+309%
Usd Book Value--7804996330.5007804996330.5000%3991952070.000+96%5062926278.333+54%4336848827.600+80%3420255444.500+128%
Usd Book Value Change Per Share--2.6092.6090%0.405+544%1.013+158%0.691+277%0.388+572%
Usd Book Value Per Share--5.2935.2930%2.684+97%3.418+55%2.931+81%2.312+129%
Usd Dividend Per Share----0%0.269-100%0.202-100%0.289-100%0.249-100%
Usd Enterprise Value---47127584624.560-47127584624.5600%-57678763002.264+22%-52682343312.041+12%-51091105637.284+8%-39142033084.469-17%
Usd Eps--0.7590.7590%0.638+19%0.601+26%0.540+41%0.429+77%
Usd Free Cash Flow----0%-1806301000.0000%259116541.500-100%340057121.200-100%152934902.450-100%
Usd Market Cap12137011501.600-188%35000967375.44035000967375.4400%28045444421.236+25%29425015269.792+19%23487650056.073+49%21086914995.625+66%
Usd Price Per Share32.913+28%23.73523.7350%18.854+26%19.846+20%15.856+50%14.251+67%
Usd Profit--1119600000.0001119600000.0000%949670785.000+18%890738050.500+26%799634009.000+40%634761815.200+76%
Usd Revenue--1992900000.0001992900000.0000%2216780530.000-10%1965569791.500+1%3221671254.600-38%3856421270.150-48%
Usd Total Gains Per Share--2.6092.6090%0.674+287%1.215+115%0.980+166%0.637+309%
 EOD+2 -5MRQTTM+0 -0YOY+25 -93Y+27 -85Y+25 -1110Y+23 -12

3.3 Fundamental Score

Let's check the fundamental score of Banca Mediolanum SPA ADR based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1543.350
Price to Book Ratio (EOD)Between0-16.218
Net Profit Margin (MRQ)Greater than00.562
Operating Margin (MRQ)Greater than00.729
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.913
Debt to Equity Ratio (MRQ)Less than121.170
Return on Equity (MRQ)Greater than0.150.289
Return on Assets (MRQ)Greater than0.050.012
Total4/10 (40.0%)

3.4 Technical Score

Let's check the technical score of Banca Mediolanum SPA ADR based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5087.213
Ma 20Greater thanMa 5032.709
Ma 50Greater thanMa 10029.155
Ma 100Greater thanMa 20026.630
OpenGreater thanClose32.913
Total4/5 (80.0%)

4. In-depth Analysis

4.1 About Banca Mediolanum SPA ADR

Banca Mediolanum S.p.A. provides various banking products and services in Italy. The company offers current accounts; deposits; and mortgages and loans. It also provides debit, credit, and prepaid cards; investment products, such as mutual funds, unit linked policies, investment strategies, other investments, trading, and retirement products; and life insurance products and services. In addition, the company engages in audio and television production business; real estate business; mutual fund and trust management business; and the provision of damage insurance, financial intermediation, and payment services. Banca Mediolanum S.p.A. founded in 1982 and is headquartered in Basiglio, Italy.

Fundamental data was last updated by Penke on 2025-06-05 11:19:05.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is very efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is fair priced.
Based on the earnings, the company is overpriced.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit Banca Mediolanum SPA ADR earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Banca Mediolanum SPA ADR to the Banks - Regional industry mean.
  • A Net Profit Margin of 56.2% means that $0.56 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Banca Mediolanum SPA ADR:

  • The MRQ is 56.2%. The company is making a huge profit. +2
  • The TTM is 56.2%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ56.2%TTM56.2%0.0%
TTM56.2%YOY42.8%+13.3%
TTM56.2%5Y32.2%+23.9%
5Y32.2%10Y21.5%+10.7%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ56.2%41.9%+14.3%
TTM56.2%31.1%+25.1%
YOY42.8%29.6%+13.2%
3Y44.9%29.0%+15.9%
5Y32.2%25.7%+6.5%
10Y21.5%22.1%-0.6%
4.3.1.2. Return on Assets

Shows how efficient Banca Mediolanum SPA ADR is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Banca Mediolanum SPA ADR to the Banks - Regional industry mean.
  • 1.2% Return on Assets means that Banca Mediolanum SPA ADR generated $0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Banca Mediolanum SPA ADR:

  • The MRQ is 1.2%. Using its assets, the company is less efficient in making profit.
  • The TTM is 1.2%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ1.2%TTM1.2%0.0%
TTM1.2%YOY1.1%+0.2%
TTM1.2%5Y0.9%+0.3%
5Y0.9%10Y0.9%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.2%0.2%+1.0%
TTM1.2%0.2%+1.0%
YOY1.1%0.2%+0.9%
3Y1.0%0.2%+0.8%
5Y0.9%0.2%+0.7%
10Y0.9%0.2%+0.7%
4.3.1.3. Return on Equity

Shows how efficient Banca Mediolanum SPA ADR is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Banca Mediolanum SPA ADR to the Banks - Regional industry mean.
  • 28.9% Return on Equity means Banca Mediolanum SPA ADR generated $0.29 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Banca Mediolanum SPA ADR:

  • The MRQ is 28.9%. Using its investors money, the company is very efficient in making profit. +2
  • The TTM is 28.9%. Using its investors money, the company is very efficient in making profit. +2
Trends
Current periodCompared to+/- 
MRQ28.9%TTM28.9%0.0%
TTM28.9%YOY23.8%+5.1%
TTM28.9%5Y22.2%+6.7%
5Y22.2%10Y20.4%+1.8%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ28.9%2.8%+26.1%
TTM28.9%2.2%+26.7%
YOY23.8%2.6%+21.2%
3Y23.5%2.5%+21.0%
5Y22.2%2.4%+19.8%
10Y20.4%2.6%+17.8%
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4.3.2. Operating Efficiency of Banca Mediolanum SPA ADR.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient Banca Mediolanum SPA ADR is operating .

  • Measures how much profit Banca Mediolanum SPA ADR makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Banca Mediolanum SPA ADR to the Banks - Regional industry mean.
  • An Operating Margin of 72.9% means the company generated $0.73  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Banca Mediolanum SPA ADR:

  • The MRQ is 72.9%. The company is operating very efficient. +2
  • The TTM is 72.9%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ72.9%TTM72.9%0.0%
TTM72.9%YOY55.7%+17.2%
TTM72.9%5Y42.4%+30.5%
5Y42.4%10Y29.3%+13.1%
4.3.2.2. Operating Ratio

Measures how efficient Banca Mediolanum SPA ADR is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.39 means that the operating costs are $0.39 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Banca Mediolanum SPA ADR:

  • The MRQ is 0.390. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.390. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.390TTM0.3900.000
TTM0.390YOY0.396-0.006
TTM0.3905Y0.783-0.393
5Y0.78310Y0.895-0.111
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4.4.3. Liquidity of Banca Mediolanum SPA ADR.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Banca Mediolanum SPA ADR is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.00 means the company has $0.00 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Banca Mediolanum SPA ADR:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY0.018-0.018
TTM-5Y11.913-11.913
5Y11.91310Y9.840+2.073
4.4.3.2. Quick Ratio

Measures if Banca Mediolanum SPA ADR is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Banca Mediolanum SPA ADR to the Banks - Regional industry mean.
  • A Quick Ratio of 0.00 means the company can pay off $0.00 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Banca Mediolanum SPA ADR:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY0.022-0.022
TTM-5Y14.110-14.110
5Y14.11010Y14.018+0.092
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4.5.4. Solvency of Banca Mediolanum SPA ADR.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of Banca Mediolanum SPA ADR assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Banca Mediolanum SPA ADR to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.91 means that Banca Mediolanum SPA ADR assets are financed with 91.3% credit (debt) and the remaining percentage (100% - 91.3%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Banca Mediolanum SPA ADR:

  • The MRQ is 0.913. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.913. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.913TTM0.9130.000
TTM0.913YOY0.956-0.042
TTM0.9135Y0.949-0.035
5Y0.94910Y0.951-0.002
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9130.912+0.001
TTM0.9130.914-0.001
YOY0.9560.331+0.625
3Y0.9430.655+0.288
5Y0.9490.761+0.188
10Y0.9510.845+0.106
4.5.4.2. Debt to Equity Ratio

Measures if Banca Mediolanum SPA ADR is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Banca Mediolanum SPA ADR to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 2,117.0% means that company has $21.17 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Banca Mediolanum SPA ADR:

  • The MRQ is 21.170. The company is unable to pay all its debts with equity. -1
  • The TTM is 21.170. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ21.170TTM21.1700.000
TTM21.170YOY21.529-0.358
TTM21.1705Y22.366-1.196
5Y22.36610Y21.333+1.034
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ21.17010.416+10.754
TTM21.17010.683+10.487
YOY21.5294.228+17.301
3Y22.2577.922+14.335
5Y22.3669.283+13.083
10Y21.33311.348+9.985
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Banca Mediolanum SPA ADR generates.

  • Above 15 is considered overpriced but always compare Banca Mediolanum SPA ADR to the Banks - Regional industry mean.
  • A PE ratio of 31.26 means the investor is paying $31.26 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Banca Mediolanum SPA ADR:

  • The EOD is 43.350. Based on the earnings, the company is overpriced. -1
  • The MRQ is 31.262. Based on the earnings, the company is overpriced. -1
  • The TTM is 31.262. Based on the earnings, the company is overpriced. -1
Trends
Current periodCompared to+/- 
EOD43.350MRQ31.262+12.088
MRQ31.262TTM31.2620.000
TTM31.262YOY29.532+1.730
TTM31.2625Y27.606+3.656
5Y27.60610Y34.628-7.022
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD43.3504.020+39.330
MRQ31.2623.875+27.387
TTM31.2626.132+25.130
YOY29.5324.741+24.791
3Y34.2125.925+28.287
5Y27.6068.400+19.206
10Y34.6289.118+25.510
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Banca Mediolanum SPA ADR:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-15.526+15.526
TTM-5Y4.797-4.797
5Y4.79710Y-2.165+6.961
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.336-0.336
TTM-0.632-0.632
YOY-15.526-1.072-14.454
3Y-1.9212.007-3.928
5Y4.7970.284+4.513
10Y-2.1650.095-2.260
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of Banca Mediolanum SPA ADR is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 4.48 means the investor is paying $4.48 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Banca Mediolanum SPA ADR:

  • The EOD is 6.218. Based on the equity, the company is overpriced. -1
  • The MRQ is 4.484. Based on the equity, the company is fair priced.
  • The TTM is 4.484. Based on the equity, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD6.218MRQ4.484+1.734
MRQ4.484TTM4.4840.000
TTM4.484YOY7.025-2.541
TTM4.4845Y5.541-1.056
5Y5.54110Y6.436-0.896
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD6.2180.448+5.770
MRQ4.4840.432+4.052
TTM4.4840.446+4.038
YOY7.0250.149+6.876
3Y6.3160.355+5.961
5Y5.5410.578+4.963
10Y6.4360.801+5.635
4.6.2. Total Gains per Share
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6. Financial Statements




6.1. Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2020-12-312021-12-312022-12-312023-12-312024-12-31
Long-term Liabilities  85,941-7,35778,584105,512184,09785,757,50085,941,596-89,821,021-3,879,425
Total Other Income Expense Net -84,64422,528-62,116-30,126-92,242-12,565-104,807344,907240,100



6.2. Latest Balance Sheet

Balance Sheet of 2024-12-31. All numbers in thousands.

Summary
Total Assets-
Total Liabilities82,128,552
Total Stockholder Equity3,879,425
 As reported
Total Liabilities 82,128,552
Total Stockholder Equity+ 3,879,425
Total Assets = -

Assets

Total Assets-
Total Current Assets1,889,078
Long-term Assets84,265,194
Total Current Assets
Net Receivables 1,889,078
Total Current Assets  (as reported)1,889,078
Total Current Assets  (calculated)1,889,078
+/-0
Long-term Assets
Other Assets 86,154,272
Long-term Assets  (as reported)84,265,194
Long-term Assets  (calculated)86,154,272
+/- 1,889,078

Liabilities & Shareholders' Equity

Total Current Liabilities-
Long-term Liabilities-3,879,425
Total Stockholder Equity3,879,425
Total Current Liabilities
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)0
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)-3,879,425
Long-term Liabilities  (calculated)0
+/- 3,879,425
Total Stockholder Equity
Accumulated Other Comprehensive Income 3,879,425
Total Stockholder Equity (as reported)3,879,425
Total Stockholder Equity (calculated)3,879,425
+/-0
Other
Common Stock Shares Outstanding 1,474,656



6.3. Balance Sheets Structured

All numbers in thousands.

 Trend2024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312008-12-312007-12-312006-12-312005-12-312004-12-31
> Total Assets 
15,390,856
18,891,962
21,317,113
23,784,163
22,650,372
28,891,555
32,645,687
33,971,760
36,048,829
37,321,452
42,547,855
44,710,171
41,971,360
43,266,786
47,374,365
53,437,634
59,029,046
73,522,370
73,598,890
77,830,851
0
077,830,85173,598,89073,522,37059,029,04653,437,63447,374,36543,266,78641,971,36044,710,17142,547,85537,321,45236,048,82933,971,76032,645,68728,891,55522,650,37223,784,16321,317,11318,891,96215,390,856
   > Total Current Assets 
441,626
536,378
456,032
258,713
199,898
232,817
802,648
344,127
492,018
797,336
743,781
890,095
854,807
786,996
667,101
798,780
845,210
5,675,307
2,949,817
188,134
1,889,078
1,889,078188,1342,949,8175,675,307845,210798,780667,101786,996854,807890,095743,781797,336492,018344,127802,648232,817199,898258,713456,032536,378441,626
       Cash And Cash Equivalents 
425,519
522,869
441,012
245,370
185,865
213,764
795,203
338,386
381,852
622,743
601,951
695,508
637,473
585,640
508,511
563,427
664,614
5,316,667
2,754,107
188,134
0
0188,1342,754,1075,316,667664,614563,427508,511585,640637,473695,508601,951622,743381,852338,386795,203213,764185,865245,370441,012522,869425,519
       Short-term Investments 
0
0
0
0
0
0
0
0
307,205
317,204
0
1,201,810
1,088,466
296,375
300,140
315,163
302,660
244,300
1,148,437
-196,643
0
0-196,6431,148,437244,300302,660315,163300,140296,3751,088,4661,201,8100317,204307,20500000000
       Net Receivables 
16,107
13,509
15,020
13,343
14,033
9,613
7,445
83,815
65,364
174,593
577,985
194,587
217,334
201,356
158,590
235,353
180,596
358,640
195,710
240,836
1,889,078
1,889,078240,836195,710358,640180,596235,353158,590201,356217,334194,587577,985174,59365,36483,8157,4459,61314,03313,34315,02013,50916,107
       Other Current Assets 
0
0
0
0
0
0
0
12,005
5,748
463,599
6,691
156,511
246,522
123,275
124,251
1,326,296
1,220,858
1,900,902
46,749
2,972,705
0
02,972,70546,7491,900,9021,220,8581,326,296124,251123,275246,522156,5116,691463,5995,74812,0050000000
   > Long-term Assets 
14,693,083
18,106,101
20,605,316
23,261,738
22,176,104
28,264,892
31,414,142
32,633,216
29,146,236
30,391,700
34,424,181
35,682,700
31,644,910
33,302,059
18,411,350
18,653,140
20,342,305
4,382,741
4,460,557
82,255,942
84,265,194
84,265,19482,255,9424,460,5574,382,74120,342,30518,653,14018,411,35033,302,05931,644,91035,682,70034,424,18130,391,70029,146,23632,633,21631,414,14228,264,89222,176,10423,261,73820,605,31618,106,10114,693,083
       Property Plant Equipment 
73,988
77,066
74,860
75,858
85,865
83,963
74,596
69,960
89,582
87,398
87,455
118,058
112,272
111,442
108,732
185,345
177,943
249,095
229,248
212,514
0
0212,514229,248249,095177,943185,345108,732111,442112,272118,05887,45587,39889,58269,96074,59683,96385,86575,85874,86077,06673,988
       Goodwill 
177,247
162,414
162,414
161,422
161,302
157,264
149,864
149,864
129,886
125,625
125,625
125,625
125,625
136,711
132,925
132,925
132,925
132,925
125,625
125,625
0
0125,625125,625132,925132,925132,925132,925136,711125,625125,625125,625125,625129,886149,864149,864157,264161,302161,422162,414162,414177,247
       Long Term Investments 
0
0
0
0
0
0
0
0
10,872,872
12,493,876
0
33,855,993
31,333,256
32,975,786
18,095,680
18,264,344
19,959,162
3,922,734
4,023,527
4,554,530
0
04,554,5304,023,5273,922,73419,959,16218,264,34418,095,68032,975,78631,333,25633,855,993012,493,87610,872,87200000000
       Intangible Assets 
32,469
25,516
19,327
13,963
16,427
14,649
13,253
17,057
23,096
36,914
57,195
68,210
73,757
78,120
74,013
70,526
72,275
77,987
82,157
81,244
0
081,24482,15777,98772,27570,52674,01378,12073,75768,21057,19536,91423,09617,05713,25314,64916,42713,96319,32725,51632,469
       Other Assets 
256,147
249,483
255,765
263,712
274,370
393,846
428,897
994,417
6,410,575
6,132,416
7,379,893
8,137,376
9,471,643
9,177,731
28,295,914
33,985,714
37,841,531
63,464,322
66,188,516
-4,613,225
86,154,272
86,154,272-4,613,22566,188,51663,464,32237,841,53133,985,71428,295,9149,177,7319,471,6438,137,3767,379,8936,132,4166,410,575994,417428,897393,846274,370263,712255,765249,483256,147
> Total Liabilities 
14,747,062
18,083,976
20,412,809
22,889,130
21,836,855
27,899,137
31,609,527
33,209,410
34,628,382
35,670,658
40,734,507
42,640,036
39,820,700
41,058,009
45,313,376
51,094,521
56,290,515
70,639,555
70,663,511
74,376,111
82,128,552
82,128,55274,376,11170,663,51170,639,55556,290,51551,094,52145,313,37641,058,00939,820,70042,640,03640,734,50735,670,65834,628,38233,209,41031,609,52727,899,13721,836,85522,889,13020,412,80918,083,97614,747,062
   > Total Current Liabilities 
148,558
216,703
13,570,530
14,457,087
12,626,819
20,247,616
20,800,639
121,656
148,328
100,020
106,216
104,986
105,622
104,807
93,502
104,849
132,626
163,749
159,322
10,604,845
0
010,604,845159,322163,749132,626104,84993,502104,807105,622104,986106,216100,020148,328121,65620,800,63920,247,61612,626,81914,457,08713,570,530216,703148,558
       Short-term Debt 
0
0
0
0
0
0
0
0
6,176,879
6,339,188
0
0
0
0
0
4,627,300
2,931,866
6,745,738
9,340,164
8,243,087
0
08,243,0879,340,1646,745,7382,931,8664,627,300000006,339,1886,176,87900000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
6,176,879
6,339,188
0
3,014
632
30,019
0
0
0
0
0
0
0
000000030,0196323,01406,339,1886,176,87900000000
       Accounts payable 
148,558
217,603
263,613
253,128
235,572
255,770
249,892
121,656
74,633
100,020
106,216
104,986
105,622
104,807
93,502
104,849
132,626
163,749
159,322
148,797
0
0148,797159,322163,749132,626104,84993,502104,807105,622104,986106,216100,02074,633121,656249,892255,770235,572253,128263,613217,603148,558
       Other Current Liabilities 
-37,263
-44,810
-304,183
-299,691
12,372,405
19,957,026
20,523,362
-121,656
-256,814
-236,594
-276,079
-146,806
-65,037
-82,669
-227,316
-401,940
-240,038
-482,509
-374,408
-8,824,851
0
0-8,824,851-374,408-482,509-240,038-401,940-227,316-82,669-65,037-146,806-276,079-236,594-256,814-121,65620,523,36219,957,02612,372,405-299,691-304,183-44,810-37,263
   > Long-term Liabilities 
64,962
192,651
144,025
146,956
128,030
185,929
195,267
926,099
734,553
623,587
595,142
226,478
190,032
154,224
109,221
148,056
74,376
68,009
159,322
74,376,111
-3,879,425
-3,879,42574,376,111159,32268,00974,376148,056109,221154,224190,032226,478595,142623,587734,553926,099195,267185,929128,030146,956144,025192,65164,962
       Other Liabilities 
0
0
0
0
0
0
0
0
519,135
490,553
0
15,125,038
15,413,059
15,824,220
15,200,152
18,256,218
19,104,117
21,884,042
21,148,781
0
0
0021,148,78121,884,04219,104,11718,256,21815,200,15215,824,22015,413,05915,125,0380490,553519,13500000000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
2,659
2,733
0
0
0
17
29
23
0
0
0
0
0
000002329170002,7332,65900000000
> Total Stockholder Equity
643,794
807,986
904,304
895,033
813,517
992,418
1,036,160
762,350
1,420,447
1,650,794
1,813,348
2,070,135
2,150,660
2,208,777
2,060,989
2,343,113
2,738,531
2,882,815
2,935,379
3,454,740
3,879,425
3,879,4253,454,7402,935,3792,882,8152,738,5312,343,1132,060,9892,208,7772,150,6602,070,1351,813,3481,650,7941,420,447762,3501,036,160992,418813,517895,033904,304807,986643,794
   Common Stock
72,567
72,738
72,884
72,948
73,010
73,140
73,288
73,382
73,434
73,600
73,744
600,000
600,079
600,172
600,185
600,234
600,297
600,370
600,452
600,564
0
0600,564600,452600,370600,297600,234600,185600,172600,079600,00073,74473,60073,43473,38273,28873,14073,01072,94872,88472,73872,567
   Retained Earnings Total Equity000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
0
0
0
0
0
0
96,075
0
600,000
17,072,344
17,514,629
16,853,760
-101,300
48,816
1,771,687
2,018,106
109,200
3,879,425
3,879,425109,2002,018,1061,771,68748,816-101,30016,853,76017,514,62917,072,344600,000096,075000000000
   Capital Surplus 000000000000000000000
   Treasury Stock000000000000000000000
   Other Stockholders Equity 
412,172
152,418
167,981
86,229
16,399
83,414
786,072
621,701
995,990
57,331
1,418,987
1,031,522
-22,913
-41,415
-51,180
-146,106
-39,944
-34,280
-27,849
2,130,625
0
02,130,625-27,849-34,280-39,944-146,106-51,180-41,415-22,9131,031,5221,418,98757,331995,990621,701786,07283,41416,39986,229167,981152,418412,172



6.4. Balance Sheets

All numbers in thousands.




6.5. Cash Flows

All numbers in thousands.




6.6. Income Statements

All numbers in thousands.


6.7. Latest Income Statement

Income Statement (annual), 2024-12-31. All numbers in thousands.

Gross Profit (+$)
totalRevenue1,992,900
Cost of Revenue--
Gross Profit1,992,9001,992,900
 
Operating Income (+$)
Gross Profit1,992,900
Operating Expense-778,100
Operating Income1,214,8001,214,800
 
Operating Expense (+$)
Research Development-
Selling General Administrative736,200
Selling And Marketing Expenses41,900
Operating Expense778,100778,100
 
Net Interest Income (+$)
Interest Income-
Interest Expense--
Other Finance Cost-0
Net Interest Income-
 
Pretax Income (+$)
Operating Income1,214,800
Net Interest Income-
Other Non-Operating Income Expenses-
Income Before Tax (EBT)1,454,900974,700
EBIT - interestExpense = 1,452,670
1,454,900
1,119,600
Interest Expense-
Earnings Before Interest and Taxes (EBIT)1,452,6701,454,900
Earnings Before Interest and Taxes (EBITDA)1,511,907
 
After tax Income (+$)
Income Before Tax1,454,900
Tax Provision--
Net Income From Continuing Ops-1,454,900
Net Income1,119,600
Net Income Applicable To Common Shares-
 
Non-recurring Events
Discontinued Operations-
Extraordinary Items-
Effect of Accounting Charges-
Other Items-
Non Recurring-
Other Operating Expenses778,100
Total Other Income/Expenses Net240,1000
 

Technical Analysis of Banca Mediolanum SPA ADR
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Banca Mediolanum SPA ADR. The general trend of Banca Mediolanum SPA ADR is BULLISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Banca Mediolanum SPA ADR's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (100.0%) Bearish trend (-100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Banca Mediolanum SPA ADR Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Banca Mediolanum SPA ADR.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: 32.91 < 32.91 < 32.91.

The bearish price targets are: 32.91 > 32.91 > 32.91.

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Banca Mediolanum SPA ADR Daily Support & Resistance Chart
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2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Banca Mediolanum SPA ADR. The current mas is .

The long score for the Moving Averages is 14/14.
The longshort score for the Moving Averages is 14/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Banca Mediolanum SPA ADR Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Banca Mediolanum SPA ADR. The current macd is 1.02974375.

The long score for the Moving Average Convergence/Divergence (MACD) is 1/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -2/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Banca Mediolanum SPA ADR price going down in the near term. -2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Banca Mediolanum SPA ADR. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Banca Mediolanum SPA ADR price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Banca Mediolanum SPA ADR Daily Moving Average Convergence/Divergence (MACD) ChartBanca Mediolanum SPA ADR Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Banca Mediolanum SPA ADR. The current adx is 16.84.

The long score for the Directional Movement Index (DMI) is 1/7.
The longshort score for the Directional Movement Index (DMI) is 1/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Banca Mediolanum SPA ADR shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
Banca Mediolanum SPA ADR Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Banca Mediolanum SPA ADR. The current sar is 30.63.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Banca Mediolanum SPA ADR Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Banca Mediolanum SPA ADR. The current rsi is 87.21. The current phase is Overbought in bull market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -1/(-13 +13).

  • Overbought in bull market: Short-term excessive buying, potential for pullback. Consider taking profits, be cautious of potential correction. -1
Banca Mediolanum SPA ADR Daily Relative Strength Index (RSI) ChartBanca Mediolanum SPA ADR Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Banca Mediolanum SPA ADR. The current phase is Oversold in bull market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -6/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH < 20: The STOCH %K is below 20 and oversold. -2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Banca Mediolanum SPA ADR price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Banca Mediolanum SPA ADR Daily Stochastic Oscillator ChartBanca Mediolanum SPA ADR Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Banca Mediolanum SPA ADR. The current cci is 37.04.

Banca Mediolanum SPA ADR Daily Commodity Channel Index (CCI) ChartBanca Mediolanum SPA ADR Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Banca Mediolanum SPA ADR. The current cmo is 90.25.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Banca Mediolanum SPA ADR Daily Chande Momentum Oscillator (CMO) ChartBanca Mediolanum SPA ADR Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Banca Mediolanum SPA ADR. The current willr is 0.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Banca Mediolanum SPA ADR Daily Williams %R ChartBanca Mediolanum SPA ADR Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Banca Mediolanum SPA ADR.

Banca Mediolanum SPA ADR Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Banca Mediolanum SPA ADR. The current atr is 0.24359405.

Banca Mediolanum SPA ADR Daily Average True Range (ATR) ChartBanca Mediolanum SPA ADR Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Banca Mediolanum SPA ADR. The current obv is -15,380.

Banca Mediolanum SPA ADR Daily On-Balance Volume (OBV) ChartBanca Mediolanum SPA ADR Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Banca Mediolanum SPA ADR. The current mfi is 0.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -2/(-2 +2).

  • MFI < 50: -1
  • MFI < 20: -1
Banca Mediolanum SPA ADR Daily Money Flow Index (MFI) ChartBanca Mediolanum SPA ADR Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Banca Mediolanum SPA ADR.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2025-01-29WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-02-03MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-05RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-02-07MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-02-10MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-11SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-02-12MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-02-26MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-27SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-03MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-03-07MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-10SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-12MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-03-27WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-04-04MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-04-07SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-04-08DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-11MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-04-14CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-04-18DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-04-21STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-04-22MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-24STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-12MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-05-13MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-05-20MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-05-22STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-26MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-05-27CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-06-03MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-06-09MFI SHORT ENTRY LONG CLOSE20 crossover to downside

6.3. Candlestick Patterns

Banca Mediolanum SPA ADR Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Banca Mediolanum SPA ADR based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5087.213
Ma 20Greater thanMa 5032.709
Ma 50Greater thanMa 10029.155
Ma 100Greater thanMa 20026.630
OpenGreater thanClose32.913
Total4/5 (80.0%)
Penke
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