FinecoBank SpA (DE:ZS3)
FRANKFURT:ZS3
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ZS3 Stock Chart & Stats
€22.35
€0.25(1.49%)
At close: 4:00 PM EST
€22.35
€0.25(1.49%)
Day’s Range― - ―
52-Week Range€10.72 - €39.52
Previous CloseN/A
Volume0.00
Average Volume (3M)58.00
Market Cap
€12.90B
Enterprise Value€12.68B
Total Cash (Recent Filing)€1.87B
Total Debt (Recent Filing)€1.66B
Price to Earnings (P/E)10.3
Beta0.75
Next Earnings
May 12, 2026EPS Estimate
0.26Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.27
Shares Outstanding611,890,600
10 Day Avg. Volume155
30 Day Avg. Volume58
Financial Highlights & Ratios
PEG Ratio-22.45
Price to Book (P/B)5.32
Price to Sales (P/S)10.31
P/FCF Ratio14.25
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€25.31Price Target Upside13.26% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering8
EPS Forecast (FY)1.07
Revenue Forecast (FY)€1.42B
Bulls Say, Bears Say
Bulls Say
Revenue Growth TrendConsistent multi-year top-line expansion from ~€0.89B in 2020 to ~€1.32B in 2025 indicates durable customer adoption and product penetration. Sustained revenue growth increases the fee base and scale benefits, supporting long-term earnings stability and reinvestment capacity.
High Profitability & MarginsExceptionally high 2025 margins (net ~49%, operating ~71%) reflect a structurally low-cost, high-return model, likely driven by digital distribution and advisory/fee income. Such margins generate durable internal capital, improving resilience to shocks and supporting sustained ROE.
Diversified Fees & Strong Cash GenerationFineco's mix of net interest income, recurring fees and brokerage revenues produces diversified, repeatable cash flows. Free cash flow closely tracked net income and was ~€0.95B in 2025, giving persistent funding for dividends, buybacks or growth without heavy reliance on external financing.
Bears Say
Revenue VolatilityThe 2024 revenue dip followed by a sharp 2025 rebound signals exposure to cyclical drivers (market activity, asset flows). This pattern creates uncertainty in fee and trading income, making medium-term forecasting and planning for steady capital returns or investments more challenging.
Leverage InstabilityMaterial swings in debt-to-equity—from ~0.34 in 2024 to ~0.65 in 2025—reduce financial predictability and flexibility. Higher and variable leverage increases interest-rate and refinancing sensitivity and could constrain capital allocation or require deleveraging in adverse conditions.
Cash-Flow LumpinessDespite strong absolute FCF in 2025, historical swings (negative OCF/FCF in 2021 and sharp year-to-year FCF changes) indicate uneven cash conversion. This lumpiness complicates reliable funding for dividends, buybacks and strategic investments and raises execution risk for long-term plans.
FinecoBank SpA News
ZS3 FAQ
What was FinecoBank SpA’s price range in the past 12 months?
FinecoBank SpA lowest stock price was €10.71 and its highest was €39.52 in the past 12 months.
What is FinecoBank SpA’s market cap?
FinecoBank SpA’s market cap is €12.90B.
When is FinecoBank SpA’s upcoming earnings report date?
FinecoBank SpA’s upcoming earnings report date is May 12, 2026 which is in 8 days.
How were FinecoBank SpA’s earnings last quarter?
FinecoBank SpA released its earnings results on Feb 05, 2026. The company reported €0.265 earnings per share for the quarter, missing the consensus estimate of €0.266 by -€0.001.
Is FinecoBank SpA overvalued?
According to Wall Street analysts FinecoBank SpA’s price is currently Undervalued.
Does FinecoBank SpA pay dividends?
FinecoBank SpA does not currently pay dividends.
What is FinecoBank SpA’s EPS estimate?
FinecoBank SpA’s EPS estimate is 0.26.
How many shares outstanding does FinecoBank SpA have?
FinecoBank SpA has 611,890,600 shares outstanding.
What happened to FinecoBank SpA’s price movement after its last earnings report?
FinecoBank SpA reported an EPS of €0.265 in its last earnings report, missing expectations of €0.266. Following the earnings report the stock price went down -2.861%.
Which hedge fund is a major shareholder of FinecoBank SpA?
Currently, no hedge funds are holding shares in DE:ZS3
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
FinecoBank SpA
FinecoBank Banca Fineco S.p.A. provides banking and investment products and services. The company operates through Banking, Brokerage, and Investing segments. The company offers banking services, including current account and deposit services, payment services, mortgages, and personal loans, as well as debit, credit, and prepaid cards; and brokerage services comprising order execution services on behalf of customers with direct access to global equity markets, as well as to trade on currencies, indices, shares, bonds, commodities, futures, options, bonds, ETFs, and certificates. The company also provides asset management services, such as placement and distribution services of various products, including mutual funds and SICAV sub-funds, and insurance and pension products, as well as investment advisory services. It serves primarily through a network of personal financial advisors, and online and mobile channels. As of December 31, 2021, the company operated 424 financial shops. The company was founded in 1999 and is based in Reggio Emilia, Italy.
ZS3 Stock 12 Month Forecast
Average Price Target
€25.31
▲(13.26% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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