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FinecoBank SpA (IT:FBK)
:FBK

FinecoBank SpA (FBK) AI Stock Analysis

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IT

FinecoBank SpA

(LSE:FBK)

Rating:71Outperform
Price Target:
FinecoBank SpA demonstrates strong financial performance with robust revenue growth and profitability. The company's balance sheet strength and reduced leverage are favorable, but challenges in cash flow efficiency need attention. Technical indicators suggest mixed momentum, while the valuation is attractive with a reasonable P/E ratio and a solid dividend yield. These factors contribute to a moderately positive outlook for the stock.

FinecoBank SpA (FBK) vs. iShares MSCI Italy ETF (EWI)

FinecoBank SpA Business Overview & Revenue Model

Company DescriptionFinecoBank SpA (FBK) is a leading Italian banking institution, providing a comprehensive range of financial services. The company operates within the financial services sector, focusing on offering banking, brokerage, and investment services to its clients. FinecoBank is known for its innovative digital banking platform, which allows users to manage their accounts, investments, and trading activities seamlessly. The bank serves a diverse clientele, including individual investors and businesses, leveraging its advanced technology and customer-centric approach to deliver effective financial solutions.
How the Company Makes MoneyFinecoBank generates revenue through multiple streams, focusing primarily on its core banking, brokerage, and investment services. The bank earns income from interest on loans and other credit facilities offered to individuals and businesses. Additionally, FinecoBank derives significant revenue from its trading and investment platform, where it charges commissions and fees on brokerage transactions. The company also benefits from asset management fees, which are charged for managing client portfolios and investment funds. Partnerships with financial institutions and service providers enhance FinecoBank's offerings, contributing to its earnings by expanding its product range and customer base. Overall, FinecoBank's integrated approach to digital banking and financial services underpins its revenue model, driving growth and profitability.

FinecoBank SpA Financial Statement Overview

Summary
FinecoBank SpA exhibits strong revenue growth and profitability, with efficient cost management. However, increasing operational expenses and declining cash flow efficiency pose potential risks. The balance sheet shows a robust equity position and reduced leverage, contributing to financial stability. The company should focus on enhancing cash flow management to sustain growth.
Income Statement
85
Very Positive
FinecoBank SpA has shown strong revenue growth, with a revenue increase of 6.93% from 2023 to 2024. Gross profit margins remained at 100%, indicative of effective cost management. However, the EBIT margin decreased from 73.76% in 2023 to 59.45% in 2024, suggesting increased operational expenses. Net profit margin improved slightly from 49.48% in 2023 to 49.56% in 2024, reflecting stable profitability.
Balance Sheet
78
Positive
The company maintains a strong equity base with an equity ratio of 6.89% in 2024, although this is a decrease from 6.59% in 2023. The debt-to-equity ratio improved, decreasing from 0.76 in 2023 to 0.34 in 2024, indicating reduced leverage. Return on equity increased to 27.29% in 2024 from 27.76% in 2023, highlighting efficient use of equity to generate profits.
Cash Flow
70
Positive
Cash flow from operations significantly declined from 2023 to 2024. The operating cash flow to net income ratio dropped sharply from 1.87 in 2023 to 0.24 in 2024, reflecting weaker operational efficiency. Free cash flow decreased by 87.87% over the same period, indicating potential risks in cash management.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue1.32B1.23B938.24M799.69M761.23M
Gross Profit1.32B1.23B938.24M799.69M761.23M
EBITDA0.00899.38M631.22M520.61M486.47M
Net Income652.28M609.10M428.50M380.71M323.57M
Balance Sheet
Total Assets34.69B33.32B36.27B33.87B31.76B
Cash, Cash Equivalents and Short-Term Investments2.26B2.55B1.47B1.77B2.03B
Total Debt810.23M1.68B561.28M562.60M66.21M
Total Liabilities32.30B31.12B34.36B32.14B30.07B
Stockholders Equity2.39B2.19B1.91B1.73B1.69B
Cash Flow
Free Cash Flow136.29M1.12B255.72M-229.79M1.07B
Operating Cash Flow154.93M1.14B269.10M-215.26M1.10B
Investing Cash Flow0.00-15.72M-12.40M-15.86M-29.38M
Financing Cash Flow-451.82M-321.30M-258.52M-343.78M-20.18M

FinecoBank SpA Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price18.94
Price Trends
50DMA
18.32
Positive
100DMA
17.76
Positive
200DMA
16.54
Positive
Market Momentum
MACD
0.13
Positive
RSI
51.69
Neutral
STOCH
54.47
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:FBK, the sentiment is Neutral. The current price of 18.94 is below the 20-day moving average (MA) of 19.10, above the 50-day MA of 18.32, and above the 200-day MA of 16.54, indicating a neutral trend. The MACD of 0.13 indicates Positive momentum. The RSI at 51.69 is Neutral, neither overbought nor oversold. The STOCH value of 54.47 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IT:FBK.

FinecoBank SpA Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
ITMB
72
Outperform
€15.96B12.2111.91%5.72%17.52%24.02%
ITFBK
71
Outperform
€11.58B17.7428.46%3.40%8.66%7.01%
68
Neutral
€16.12B12.4914.11%5.29%7.09%0.17%
ITISP
61
Neutral
€86.64B9.8013.56%6.09%6.32%17.08%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IT:FBK
FinecoBank SpA
18.95
5.31
38.89%
IT:MB
Mediobanca Banca di Credito Finanziario S.p.A.
19.58
6.38
48.35%
IT:ISP
Intesa Sanpaolo SpA
4.88
1.57
47.51%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Apr 24, 2025