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FinecoBank Banca Fineco S.p.A. (FBK.MI)

EUR23.01 -0.25 (-1.07%)
IT MIL Financial Services Banks - Regional
Address Via Rivoluzione d'Ottobre 16 42123
Reggio Emilia, RE, IT
CEO Alessandro Foti
IPO 2014-07-02
ISIN IT0000072170

Explore sections of this company profile

Also trades on Italian Stock Exchange · FBK.MI (EUR) Other OTC · FCBBF (USD) Other OTC · FNBKY (USD)
Description

FinecoBank Banca Fineco S.p.A., founded in Reggio Emilia, Italy, in 1999, is a financial institution offering a comprehensive suite of banking and investment solutions. The company's operations are divided into three main divisions: Banking, Brokerage, and Investing. Its banking arm provides essential services such as current and savings accounts, payment processing, home loans, personal credit, and various card options (debit, credit, prepaid). Through its brokerage division, FinecoBank enables clients to execute trades directly on global stock markets and engage in transactions involving a diverse range of financial instruments, including foreign exchange, indices, equities, fixed income securities, commodities, derivatives (futures, options), exchange-traded funds (ETFs), and structured products (certificates). For investment needs, the company delivers asset management services, covering the placement and distribution of mutual funds, SICAV sub-funds, insurance, and pension plans, alongside offering expert investment advisory. FinecoBank primarily interacts with its clientele through a dedicated network of personal financial advisors, supported by robust online and mobile platforms. As of December 31, 2021, the company operated 424 physical advisory centers.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR23.01 -0.25 (-1.07%)
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Volume Profile
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Liquidity & share structure
Average Volume
2M
Beta
0.71
Float Shares
611.46M
Free Float %
99.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-2.05% -0.19% +2.48% +10.90% -0.69% -4.54% +15.87% +71.35% +52.05% +236.52% +436.75%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
23.01
DCF (Unlevered) 29.37 +27.6%
DCF (Levered) 20.60 -10.5%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 94% Bullish
Rating 2026-05 Change
Strong Buy 6 0
Buy 9 0
Hold 1 -1
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.45
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
2 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
  • Revenue growth
    -19.9% Q1'26: +4.2% (vs Q1'25)
  • EPS growth
    -0.9% Q1'26: +0.0% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +0.0% (vs Q1'25)
  • ROIC
    Q1'26: +0.0% (vs Q1'25)
  • Share dilution
    -0.1% Q1'26: +0.1% (vs Q1'25)
  • Debt / EBITDA
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.69) × ERP
WACC = 89% × Ke + 11% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 29.09 Current price: 23.01
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
12 Rev. Ana.
11 EPS Ana.
Dec 2027
12 Rev. Ana.
12 EPS Ana.
Dec 2028
12 Rev. Ana.
8 EPS Ana.
Dec 2029
11 Rev. Ana.
6 EPS Ana.
Revenue
664.14M
est: 539.08M (+23.2%)
652.60M
est: 557.72M (+17.0%)
674.94M
est: 581.97M (+16.0%)
739.48M
est: 623.34M (+18.6%)
784.74M
est: 656.70M (+19.5%)
890.46M
est: 769.48M (+15.7%)
955.09M
est: 796.67M (+19.9%)
1.11B
est: 937.10M (+18.0%)
1.50B
est: 1.29B (+16.2%)
1.64B
est: 1.31B (+25.4%)
1.32B
est: 1.31B (+0.4%)
1.44B
1.42B – 1.48B
+9.7% YoY
1.58B
1.54B – 1.63B
+9.7% YoY
1.72B
1.72B – 1.72B
+8.9% YoY
1.86B
1.82B – 1.91B
+8.2% YoY
EBITDA
297.03M
est: 321.29M (-7.6%)
316.29M
est: 332.40M (-4.8%)
326.63M
est: 346.85M (-5.8%)
365.18M
est: 371.51M (-1.7%)
406.35M
est: 391.40M (+3.8%)
486.53M
est: 458.61M (+6.1%)
520.62M
est: 474.81M (+9.6%)
631.23M
est: 558.51M (+13.0%)
899.38M
est: 782.88M (+14.9%)
965.08M
est: 796.24M (+21.2%)
963.24M
est: 795.94M (+21.0%)
873.47M
859.85M – 895.48M
+9.7% YoY
958.41M
934.21M – 987.70M
+9.7% YoY
1.04B
1.04B – 1.05B
+8.9% YoY
1.13B
1.11B – 1.16B
+8.2% YoY
EBIT
288.07M
est: 308.56M (-6.6%)
306.34M
est: 319.23M (-4.0%)
316.26M
est: 333.11M (-5.1%)
354.75M
est: 356.80M (-0.6%)
383.49M
est: 375.89M (+2.0%)
461.09M
est: 440.45M (+4.7%)
494.40M
est: 456.00M (+8.4%)
604.36M
est: 536.38M (+12.7%)
872.24M
est: 755.38M (+15.5%)
939.28M
est: 768.27M (+22.3%)
935.50M
est: 767.98M (+21.8%)
842.78M
829.64M – 864.02M
+9.7% YoY
924.74M
901.39M – 953.00M
+9.7% YoY
1.01B
1.01B – 1.01B
+8.9% YoY
1.09B
1.07B – 1.12B
+8.2% YoY
Net Income
191.05M
est: 190.29M (+0.4%)
211.84M
est: 197.29M (+7.4%)
214.12M
est: 216.53M (-1.1%)
241.22M
est: 240.78M (+0.2%)
288.37M
est: 261.47M (+10.3%)
323.57M
est: 312.86M (+3.4%)
380.71M
est: 340.06M (+12.0%)
428.51M
est: 410.23M (+4.5%)
609.10M
est: 620.54M (-1.8%)
652.29M
est: 649.80M (+0.4%)
647.04M
est: 645.04M (+0.3%)
685.47M
645.00M – 704.58M
+6.3% YoY
758.54M
724.08M – 796.98M
+10.7% YoY
834.33M
768.18M – 907.49M
+10.0% YoY
961.15M
935.35M – 996.15M
+15.2% YoY
SGA
71.34M
est: 48.18M (+48.1%)
71.67M
est: 49.85M (+43.8%)
75.18M
est: 52.01M (+44.5%)
79.87M
est: 55.71M (+43.4%)
83.19M
est: 58.69M (+41.7%)
92.95M
est: 68.77M (+35.2%)
88.61M
est: 71.20M (+24.4%)
99.41M
est: 83.75M (+18.7%)
103.65M
est: 110.11M (-5.9%)
124.32M
est: 111.99M (+11.0%)
130.84M
est: 111.95M (+16.9%)
122.86M
120.94M – 125.95M
+9.7% YoY
134.80M
131.40M – 138.92M
+9.7% YoY
146.86M
146.67M – 147.05M
+8.9% YoY
158.95M
155.67M – 163.40M
+8.2% YoY
EPS
0.32
est: 0.31 (+3.0%)
0.35
est: 0.32 (+8.6%)
0.35
est: 0.35 (-1.0%)
0.40
est: 0.39 (+1.7%)
0.47
est: 0.43 (+10.1%)
0.53
est: 0.51 (+3.7%)
0.62
est: 0.56 (+11.6%)
0.70
est: 0.67 (+4.4%)
1.00
est: 1.02 (-1.6%)
1.07
est: 1.03 (+3.8%)
1.06
est: 1.02 (+4.0%)
1.10
1.05 – 1.15
+7.5% YoY
1.23
1.18 – 1.30
+12.0% YoY
1.36
1.26 – 1.48
+10.9% YoY
1.57
1.53 – 1.63
+15.6% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-05-08 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-05-07 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-05-06 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-05-05 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-05-04 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-04-30 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-04-29 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-04-28 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-04-27 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-04-24 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-04-23 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-04-22 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-04-21 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-04-20 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-04-17 A- 4/5 4/5 5/5 5/5 2/5 3/5 1/5
2026-04-16 A- 4/5 4/5 5/5 5/5 2/5 3/5 1/5
2026-04-15 A- 4/5 4/5 5/5 5/5 2/5 3/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
124.97M
OE per share TTM
0.20
Owner's Yield
0.93%
Maintenance CapEx ratio
14.59%
Maint CapEx / Avg PPE
12.9%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
634.7K
Shares Outstanding
611.81M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Alessandro Foti Chief Executive Officer, GM & Executive Director 1M male
Andrea Pepe Head of Legal & Corporate Affairs Department male
Erick Vecchi Manager
Fabio Milanesi Deputy GM and Head of It, Operations & Customer Care male
Gianluca Fontanella Head of Investor Relations male
Giovanni Boneschi Chief Risk Officer male
Mauro Albanese Deputy GM and Head of Network PFA & Private Banking male
Paolo Di Grazia Deputy GM & Head of Global Business male
Patrizia Verdesca Head of Internal Audit
Silvio Puchar Chief Compliance Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits