FinecoBank Banca Fineco S.p.A.

FinecoBank Banca Fineco S.p.A.

FNBKY
FinecoBank Banca Fineco S.p.A.US flagOther OTC
48.10
USD
- -
- -
7.36BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1.42
1.76
2.1
2.14
2.21
2.39
2.53
2.89
3.11
3.56
4.6
4.99
- -
- -
Basic EPS, GAAP
0.28
0.49
0.63
0.7
0.71
0.79
0.95
1.06
1.25
1.41
2
2.14
- -
- -
Free Cash Flow per Basic Share
2.79
-28.41
-0.56
5.11
7.62
0.14
-3.95
3.42
-0.75
0.84
3.68
0.45
- -
- -
Dividend per Share
0.38
0.07
0.42
0.53
0.57
0.61
0.67
0.09
1.13
0.85
1.05
1.48
- -
- -
Book Value per Share
0.94
1.15
1.29
1.36
1.37
1.45
1.61
1.72
1.91
2.07
2.66
2.8
- -
0.66
Tangible Book Value per Share
1.06
1.5
1.77
1.93
2.09
2.89
4.13
5.12
5.24
5.85
6.78
7.41
- -
7.35
Basic Weighted Avg Shares
303
303
303
303
304
304
304
304
305
305
305
305
- -
305
Sales/Revenue/Turnover
430
533
636
649
670
725
768
880
948
1,086
1,404
1,524
1,553
- -
Operating Margin (%)
37.63
43.06
45.29
47.22
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
8
9
9
10
10
10
23
25
26
27
27
26
28
- -
Net Income, GAAP
85
150
191
212
214
241
288
324
381
429
609
652
647
- -
Effective Tax Rate (%)
47.38
34.75
33.68
30.85
32.3
32
24.8
29.83
23
29.1
30.17
30.56
30.83
- -
Profit Margin (%)
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
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
2,323
425
7
4
30
- -
67
66
563
561
871
868
873
860
Total Equity
419
552
633
681
732
976
1,382
1,687
1,727
1,910
2,195
2,389
2,553
2,244
Return on Invested Capital (%)
2.63
7.57
20.09
26.77
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
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
- -

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
10,664
11,558
11,789

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
- -
- -
- -
- -
2.14
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.48
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Alessandro Foti
Full Time Employees
1,474
Sector
Financial Services
Industry
Banks - Regional
Address
Via Rivoluzione d'Ottobre 16 Reggio Emilia RE Italy 42123
IPO Date
Jan 19, 2021
Business
FinecoBank Banca Fineco S.p.A. (FNBKY) operates as a leading European FinTech bank, listed on the FTSE MIB index, offering integrated banking, credit, trading, brokerage, and investment services through a single account via proprietary transactional and advisory platforms and an extensive network of 3,061 personal financial advisors across 437 Fineco Centers. The company provides current accounts and payment services including debit, credit, and prepaid cards; mortgages, overdrafts, and personal loans; brokerage services encompassing order execution on global equity markets, trading in CFDs, futures, options, bonds, ETFs, and certificates; asset management through Fineco Asset Management including UCITS, SICAV units, insurance, pension products, and new private equity and active ETF solutions; and investment advisory services enhanced by AI tools such as Portfolio Builder and Search Tool. Founded in 1999 and headquartered in Reggio Emilia, Italy, FinecoBank primarily serves retail, affluent, and private banking clients in Italy with total financial assets of €154.6 billion as of September 30, 2025, including €71.2 billion in assets under management, €52.5 billion in assets under custody, and €30.8 billion in direct deposits, supported by 1.76 million clients. In the first nine months of 2025, FinecoBank reports net sales of €9.4 billion, up 36% year-over-year, with assets under management net sales at €3.6 billion (+42.5%), direct deposits at €1.2 billion (from negative in the prior period), and assets under custody at €4.7 billion; client acquisition accelerates to 144,702 new clients (+32.6% year-over-year), reaching a potential record for 2025. Recent initiatives include the expansion of Fineco Asset Management's product range with private equity solutions launched in September 2025 and a full suite of active ETFs; integration of AI-powered tools for financial advisors including an enhanced Portfolio Builder supporting equities and bonds; and brokerage enhancements such as a brokerage-only account attracting over 20,000 new clients. The company maintains a solid capital position with a CET1 ratio of 23.9%, anticipates 2025 revenues at record levels driven by brokerage growth from an expanding active investor base, investing increases, and banking fees with a slight decline due to instant payment regulations, and expects operating costs to rise around 6% excluding growth initiatives in marketing, asset management, and AI.

Company News

APIChat
  • FinecoBank Banca Fineco S.p.A. (FNBKY) Q3 2025 Earnings Call Transcript