FinecoBank SpA (IT:FBK)
:FBK
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FinecoBank SpA
(FBK)
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Rating:69Neutral
Price Target:
€23.50
▲(4.77% Upside)
Action:DowngradedDate:03/31/26
The score is driven primarily by strong underlying financial performance (high margins, solid multi-year revenue and net income growth) and supportive valuation (low P/E and ~4% yield). These positives are tempered by weak technical positioning (price below key moving averages and negative MACD), which signals unfavorable near-term momentum.
Positive Factors
High profitability and margins
Sustained high operating and net margins demonstrate strong unit economics and pricing power across banking and investment services. This margin profile supports durable earnings generation, internal capital formation, and resilience to moderate revenue shocks over a 2–6 month horizon.
Negative Factors
Revenue and growth volatility
Inter-year swings in revenue complicate predictability of fee income and margin sustainability. Such volatility hampers reliable forecasting and may indicate sensitivity to market cycles or nonrecurring items, increasing execution risk over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability and margins
Sustained high operating and net margins demonstrate strong unit economics and pricing power across banking and investment services. This margin profile supports durable earnings generation, internal capital formation, and resilience to moderate revenue shocks over a 2–6 month horizon.
Read all positive factors
FinecoBank SpA (FBK) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€12.81B
Dividend Yield3.35%
Average Volume (3M)1.56M
Price to Earnings (P/E)10.3
Beta (1Y)1.09
Revenue Growth0.32%
EPS Growth-0.89%
CountryIT
Employees1,474
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.27
Shares Outstanding611,890,600
10 Day Avg. Volume1,730,657
30 Day Avg. Volume1,561,041
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
€25.49Price Target Upside13.63% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering8
EPS Forecast (FY)1.08
Revenue Forecast (FY)€1.42B
FinecoBank SpA Business Overview & Revenue Model
Company Description
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, pay...
How the Company Makes Money
FinecoBank makes money mainly through a combination of net interest income and fee/commission income from its integrated banking and investing platform. (1) Net interest income: the bank earns interest on loans and other interest-earning assets an...
FinecoBank SpA Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
74
Positive
Cash Flow
68
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 1.32B | 1.64B | 1.50B | 1.11B | 955.09M |
| Gross Profit | 1.31B | 1.52B | 1.40B | 1.09B | 947.64M |
| EBITDA | 935.50M | 965.08M | 899.38M | 631.23M | 520.62M |
| Net Income | 647.04M | 652.28M | 609.10M | 428.50M | 380.71M |
Balance Sheet | |||||
| Total Assets | 37.30B | 34.69B | 33.32B | 36.27B | 33.87B |
| Cash, Cash Equivalents and Short-Term Investments | 2.09B | 1.96B | 2.55B | 1.79B | 1.77B |
| Total Debt | 1.66B | 810.23M | 870.65M | 561.28M | 562.60M |
| Total Liabilities | 34.74B | 32.30B | 31.12B | 34.36B | 32.14B |
| Stockholders Equity | 2.55B | 2.39B | 2.19B | 1.91B | 1.73B |
Cash Flow | |||||
| Free Cash Flow | 952.81M | 136.29M | 1.12B | 255.72M | -229.79M |
| Operating Cash Flow | 967.10M | 154.93M | 1.14B | 269.10M | -215.26M |
| Investing Cash Flow | -3.01B | -18.64M | -15.72M | -12.40M | -15.86M |
| Financing Cash Flow | 1.97B | -451.82M | -321.30M | -258.52M | -343.78M |
FinecoBank SpA Technical Analysis
Positive
22.43
Price Trends
19.87
Positive
20.82
Positive
19.92
Positive
Market Momentum
0.62
Negative
76.42
Negative
94.96
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:FBK, the sentiment is Positive. The current price of 22.43 is above the 20-day moving average (MA) of 19.84, above the 50-day MA of 19.87, and above the 200-day MA of 19.92, indicating a bullish trend. The MACD of 0.62 indicates Negative momentum. The RSI at 76.42 is Negative, neither overbought nor oversold. The STOCH value of 94.96 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IT:FBK.
FinecoBank SpA Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | €13.49B | 11.61 | 26.99% | 6.35% | -12.38% | 10.36% | |
76 Outperform | €98.30B | 10.67 | 14.41% | 6.08% | -8.94% | 11.50% | |
69 Neutral | €12.81B | 10.31 | 40.02% | 3.35% | 0.32% | -0.89% | |
69 Neutral | €6.32B | 12.42 | 31.07% | 4.75% | 2.86% | 3.37% | |
65 Neutral | €96.52B | 14.53 | 16.32% | 4.15% | 0.31% | 16.61% | |
62 Neutral | €15.85B | 12.07 | 11.91% | 6.61% | -23.69% | 32.49% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IT:FBK
FinecoBank SpA
21.24
4.36
25.86%
IT:UCG
UniCredit SpA
64.39
14.36
28.71%
IT:BGN
Banca Generali SpA
56.25
6.64
13.39%
IT:ISP
Intesa Sanpaolo SpA
5.67
1.23
27.75%
IT:MB
Mediobanca Banca di Credito Finanziario S.p.A.
19.69
2.94
17.57%
IT:BMED
Banca Mediolanum SpA
18.61
6.19
49.81%
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.