About Mediobanca Banca di Credito Finanziario S.p.A. (MDIBY) — Dividend Analysis 2026
Mediobanca Banca di Credito Finanziario S.p.A., together with its subsidiaries, provides various banking products and services in Italy and internationally. The company operates through Wealth Management, Consumer Banking, Corporate and Investment Banking, Principal Investing, and Holding Functions segments. The Wealth Management segment offers asset management and other services to private clients, and affluent and premier customers. The Consumer Banking segment provides a range of consumer credit products comprising personal loans and salary-backed finances; personal loan services for cars and motorcycles, consumer electronics, furniture, and travel; payment services that include credit cards and salary-backed loans; insurance products; and instalment payment solutions for online purchases. The Corporate and Investment Banking segment offers wholesale banking products and services, including lending, advisory, capital market, and proprietary trading services; and specialty finance services, such as factoring and credit management, as well as non-performing loans portfolio acquisitions and management. The Principal Investing segment engages in the equity investment and holding activities. The Holding Functions segment engages in treasury, and asset and liability management operations. The company was founded in 1946 and is headquartered in Milan, Italy.
Is MDIBY a good dividend investment in 2026?
MDIBY offers a 6.92% forward yield with a 50% payout ratio. Strand Safety Score: 30/100 (High Risk). The 5-year dividend CAGR of 100% demonstrates strong, consistent growth that outpaces inflation.
MDIBY DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your MDIBY portfolio grows to $161.03M vs $1.57M without reinvestment. This is the compound interest effect in action.
MDIBY dividend growth history & forecast
MDIBY has grown its dividend by 0% over the last year and 100% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 6.92%.
Company generates negative FCF ($0) — borrowing to pay dividends
Debt Leverage
0 / 30 pts
0/30
Company not generating EBITDA — debt servicing risk is elevated
Earnings Momentum+1.3B → +1.3B → +1.0B
30 / 30 pts
30/30
Net income grew for 2 consecutive years — strong earnings momentum
OVERALL ASSESSMENT
Dividend sustainability questionable — consider alternative income stocks.
STRAND SCORE
30
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 MDIBY Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold MDIBY.
Gross yield
6.92%
Tax rate
15.00%
After-tax yield
5.88%
Real yield (−CPI)
3.08%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
6.92%
4.12%
$692 / yr
🇺🇸 US Taxable (15%) ✓
15%
5.88%
3.08%
$588 / yr
🇺🇸 US Taxable (20%)
20%
5.54%
2.74%
$554 / yr
🇬🇧 UK ISA
0%
6.92%
4.12%
$692 / yr
🇬🇧 UK Taxable
8.75%
6.31%
3.51%
$631 / yr
🇨🇦 TFSA
0%
6.92%
4.12%
$692 / yr
🇨🇦 CA Taxable
25%
5.19%
2.39%
$519 / yr
🇦🇺 Super (pension)
15%
5.88%
3.08%
$588 / yr
🇦🇺 AU Taxable
30%
4.84%
2.04%
$484 / yr
🇩🇪 DE Taxable
26.375%
5.09%
2.29%
$509 / yr
🇫🇷 FR Taxable
30%
4.84%
2.04%
$484 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 MDIBY Income Goal & Break-Even
Dividend Break-Even
5yr
Years for dividends to fully repay your MDIBY investment of $19.00/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$76.22M
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$76.22M
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in MDIBY for:
Shares needed
21,466
Capital required
$407,854
Monthly income
$2,000
Based on current dividend of $1.32/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 MDIBY Dividend Payment Schedule
MDIBY pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$2.80 / payment
$11.18 / year after tax
100 shares
$27.95 / payment
$111.81 / year after tax
1,000 shares
$279.52 / payment
$1118.07 / year after tax
📊 MDIBY vs Financial Services Benchmarks
How MDIBY compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+4.02% vs sectorBetter
MDIBY
6.92%
avg
2.90%
5Y Dividend CAGR▲+92.90% vs sectorBetter
MDIBY
100.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
MDIBY
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for MDIBY sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ MDIBY Insider Activity
No recent SEC filings reported in the last 90 days.
🔬
Financial Health Scores
Altman Z-Score
0.11
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
3/9
🔴 Weak fundamentals — dividend safety concern
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the MDIBY dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →