FinecoBank SpA

FinecoBank SpA

25.63
USD
+2.83
(+12.41%)
13.55BMarket Cap
Feb 09Next Earn
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
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
- -
Basic EPS, GAAP
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
- -
Free Cash Flow per Basic Share
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
- -
Dividend per Share
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
- -
Book Value per Share
0.69
0.91
1.05
1.12
1.2
1.61
2.27
2.77
2.83
3.13
3.59
3.91
4.18
3.92
Tangible Book Value per Share
0.53
0.75
0.88
0.96
1.04
1.45
2.06
2.56
2.62
2.92
3.39
3.71
3.97
3.72
Basic Weighted Avg Shares
606
606
606
606
607
608
608
609
610
610
610
611
611
612
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
1,364
Total Equity
419
552
633
681
732
976
1,382
1,687
1,727
1,910
2,195
2,389
2,553
2,397
Return on Invested Capital (%)
2.41
7.35
19.37
26.09
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
2.72
8.06
23.63
31.96
29.58
27.76
23.78
20.2
18.83
18
22
20.63
19.36
- -
Return on Common Equity (%)
19.67
30.86
32.24
32.24
30.3
28.25
24.46
21.08
22.3
23.56
29.68
28.46
26.18
- -

Capital Structure

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
611
612
612
Market Capitalization
12,623
10,936
11,863

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
2,202
- -
2,178
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

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

EUR

•

in mil. unless spec.

Year

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

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

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

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.74
2025
- -
- -
- -
- -
0.8
2026
- -
- -
- -
- -
- -

Company Description

CEO
Alessandro Foti
Full Time Employees
1,529
Sector
Finance
Industry
Major banks
Address
Via Rivoluzione d'Ottobre 16 Reggio Emilia RE Italy 42123
IPO Date
Jul 2, 2014
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.

Company News

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

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  • FinecoBank Banca Fineco S.p.A. (FCBBF) Q4 2023 Earnings Call Transcript