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FinecoBank SpA (IT:FBK)
:FBK
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FinecoBank SpA
(LSE:FBK)
Rating:71Outperform
Price Target:―
FinecoBank SpA (FBK) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€11.72B
Dividend Yield3.84%
Average Volume (3M)1.96M
Price to Earnings (P/E)17.9
Beta (1Y)1.04
Revenue Growth8.66%
EPS Growth7.01%
CountryIT
Employees1,474
SectorFinancial
Sector Strength82
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.27
Shares Outstanding611,575,300
10 Day Avg. Volume1,601,138
30 Day Avg. Volume1,956,569
Financial Highlights & Ratios
PEG Ratio-0.36
Price to Book (P/B)4.81
Price to Sales (P/S)0.00
P/FCF Ratio16.65
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€19.96Price Target Upside3.63% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
FinecoBank SpA Business Overview & Revenue Model
Company DescriptionFinecoBank 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.
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
Income Statement
Balance Sheet
Cash Flow
| Breakdown | ||||
| Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|
| Income Statement | Total Revenue | |||
| 1.32B | 1.23B | 938.24M | 799.69M | 761.23M | Gross Profit |
| 1.32B | 1.23B | 938.24M | 799.69M | 761.23M | EBIT |
| 782.50M | 908.00M | 613.20M | 503.72M | 468.60M | EBITDA |
| 0.00 | 899.38M | 631.22M | 520.61M | 486.47M | Net Income Common Stockholders |
| 652.28M | 609.10M | 428.50M | 380.71M | 323.57M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |||
| 1.96B | 2.55B | 1.47B | 1.77B | 2.03B | Total Assets |
| 34.69B | 33.32B | 36.27B | 33.87B | 31.76B | Total Debt |
| 810.23M | 1.68B | 561.28M | 562.60M | 66.21M | Net Debt |
| -1.15B | -874.80M | -1.23B | -1.21B | -1.97B | Total Liabilities |
| 32.30B | 31.12B | 34.36B | 32.14B | 30.07B | Stockholders Equity |
| 2.39B | 2.19B | 1.91B | 1.73B | 1.69B |
| Cash Flow | Free Cash Flow | |||
| 0.00 | 1.12B | 255.72M | -229.79M | 1.07B | Operating Cash Flow |
| 0.00 | 1.14B | 269.10M | -215.26M | 1.10B | Investing Cash Flow |
| 0.00 | -15.72M | -12.40M | -15.86M | -29.38M | Financing Cash Flow |
| 0.00 | -321.30M | -258.52M | -343.78M | -20.18M |
FinecoBank SpA Technical Analysis
Positive
19.26
Price Trends
17.53
Positive
17.51
Positive
16.20
Positive
Market Momentum
0.45
Positive
68.21
Neutral
88.02
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 19.26 is above the 20-day moving average (MA) of 18.76, above the 50-day MA of 17.53, and above the 200-day MA of 16.20, indicating a bullish trend. The MACD of 0.45 indicates Positive momentum. The RSI at 68.21 is Neutral, neither overbought nor oversold. The STOCH value of 88.02 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
Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | €11.72B | 17.95 | 28.46% | 3.84% | 8.66% | 7.01% | |
64 Neutral | $12.77B | 9.77 | 7.59% | 16985.66% | 12.30% | -7.71% | |
| €6.05B | 14.23 | 30.35% | 5.25% | ― | ― | ||
| €15.64B | 8.11 | 13.41% | 9.66% | ― | ― | ||
| €11.15B | 8.00 | 13.24% | 7.65% | ― | ― | ||
| €16.27B | 12.44 | 11.91% | 5.61% | ― | ― | ||
| $12.38B | 10.24 | 27.96% | 6.30% | ― | ― |
* Financial Sector Average
Performance Comparison
IT:FBK
FinecoBank SpA
19.26
5.09
35.90%
GB:0DQZ
Banca Generali SpA
52.40
15.95
43.76%
GB:0RLA
Banco BPM S.p.A.
10.33
4.61
80.59%
GB:0MU6
BPER Banca S.p.A.
7.95
3.48
77.85%
GB:0HBF
Mediobanca Banca di Credito Finanziario S.p.A.
19.98
6.74
50.91%
BNMDF
Banca Mediolanum SpA
17.00
6.35
59.62%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
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.