FinecoBank Banca Fineco S.p.A.

FinecoBank Banca Fineco S.p.A.

FBK.MI
FinecoBank Banca Fineco S.p.A.IT flagItalian Stock Exchange
22.89
EUR
+0.27
- -
14.00BMarket Cap
FinecoBank Banca Fineco S.p.A.
FBK.MI
(Italian Stock Exchange)

Recent

price

22.89

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.53
0.56
0.74
0.71
0.88
1.05
1.07
1.1
1.19
1.26
1.44
1.55
1.78
2.3
2.49
2.54
- -
Revenue per Share
0.09
0.1
0.21
0.14
0.25
0.32
0.35
0.35
0.4
0.47
0.53
0.62
0.7
1
1.07
1.06
- -
Basic EPS, GAAP
0.69
2.91
2.59
1.4
-14.21
-0.28
2.55
3.81
0.07
-1.98
1.71
-0.38
0.42
1.84
0.22
0.69
- -
Free Cash Flow per Basic Share
0.07
0.08
0.1
0.19
0.04
0.21
0.26
0.29
0.31
0.34
0.04
0.56
0.42
0.53
0.74
0.8
- -
Dividend per Share
0.42
0.43
0.54
0.47
0.58
0.65
0.68
0.68
0.73
0.81
0.86
0.95
1.03
1.33
1.4
1.39
0.33
Book Value per Share
0.44
0.47
0.58
0.53
0.75
0.88
0.96
1.04
1.44
2.07
2.56
2.62
2.92
3.39
3.71
3.97
3.67
Tangible Book Value per Share
606
606
606
606
606
606
606
607
608
608
609
610
610
610
611
611
611
Basic Weighted Avg Shares
319
337
449
430
533
636
649
670
725
768
880
948
1,086
1,404
1,524
1,553
- -
Sales/Revenue/Turnover
27.87
- -
44.96
37.63
43.06
45.29
47.22
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
9
9
8
8
9
9
10
10
10
23
25
26
27
27
26
28
- -
Depreciation Expense
52
63
125
85
150
191
212
214
241
288
324
381
429
609
652
647
- -
Net Income, GAAP
41.59
41.04
37.92
47.38
34.75
33.68
30.85
32.3
32
24.8
29.83
23
29.1
30.17
30.56
30.83
- -
Effective Tax Rate (%)
16.28
18.6
27.91
19.8
28.1
30.04
32.66
31.97
33.27
37.54
36.78
40.17
39.47
43.37
42.81
41.67
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
153
4,577
3,076
2,323
425
7
4
30
- -
67
66
563
561
871
868
873
860
LT Debt
364
384
447
419
552
633
681
732
976
1,382
1,687
1,727
1,910
2,195
2,389
2,553
2,244
Total Equity
- -
- -
2.91
2.63
7.57
20.09
26.77
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
24.38
42.65
27.9
47.2
51.55
52.74
51.8
56.32
61.93
63.82
68.8
70.72
84.57
78.37
76
- -
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
611
- -
611
Market Capitalization
10,257
11,119
11,510

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
2,263
- -
1,925
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15.57%
8.72%
6.86%
Free Cash Flow
-398.24%
25.01%
207.43%
Net Income, GAAP
13.5%
15.73%
-0.8%
Sales/Revenue/Turnover
9.6%
12.41%
1.92%
Total Cash Common Dividend
120.79%
248.5%
8.17%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1,524
2025
- -
- -
- -
- -
1,553
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.07
2025
- -
- -
- -
- -
1.06
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.74
2025
- -
- -
- -
- -
0.8
2026
- -
- -
- -
- -
- -
Business
FinecoBank Banca Fineco S.p.A. (FBK.MI) operates as a leading European FinTech bank, listed on the FTSE MIB index, offering integrated banking, brokerage, investing, and credit services through proprietary transactional and advisory platforms accessed via a single account and supported by an extensive network of over 3,000 personal financial advisors across 437 Fineco Centers. The company provides current accounts, deposit services, payment solutions, debit, credit, and prepaid cards; mortgages, overdrafts, personal loans, and Lombard lending; order execution on global equity markets, trading in CFDs, futures, options, bonds, ETFs, certificates, covered warrants, currencies, and Forex via platforms including PowerDesk, PowerChart, PowerCell, and Logos; asset management through Fineco Asset Management (FAM, established 2018 in Dublin), placement and distribution of investment solutions including insurance and pension products, advanced advisory services, private markets, active and passive ETFs; and private banking for high-net-worth clients with tailored portfolios emphasizing transparency, low upfront fees, and no performance fees. Headquartered in Milan, Italy, with operations primarily in Italy and selective international reach, FinecoBank serves 1.76 million clients, managing €154.6 billion in total financial assets (€77.6 billion in private banking), including €71.2 billion in assets under management, €52.5 billion in assets under custody, and €30.8 billion in direct deposits as of September 30, 2025. Founded in 1999, the bank reports strong 9M25 performance with €969.6 million in revenues, €480.5 million net profit, and a 26.8% cost/income ratio, driven by 12.5% growth in non-financial income from investing (+10.1%) and brokerage (+21.8%). Recent developments include accelerated client acquisition to 144,702 new clients (+32.6% y/y), €9.4 billion net sales (+36% y/y) with €3.6 billion in AUM and positive deposit inflows; FAM expansion into active ETFs, passive vanilla ETFs via co-branding, private equity solutions, and €39.8 billion assets under management (+18.9% retail y/y); rollout of AI-powered tools for advisors including Portfolio Builder (now supporting stocks and bonds), content creator, search tool, and brokerage AI assistant; record brokerage outlook for 2025 with higher active investor base and AUC; and enhanced ESG initiatives under the 2024-2026 plan, featuring 80% Article 8/9 SFDR funds, green mortgages, sustainable bonds, and top ratings from S&P Global, Sustainalytics, and MSCI.