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FinecoBank Banca Fineco S.p.A. FNBKY

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Price alert · FNBKY

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48.10 USD +1.01 +2.14%

At close · Oct 30

46.50 Day range 46.50
42.84 52-week range 62.00
YTD
-6.34%
1 year
+12.27%
Open
46.50
Prev close
47.09
Mkt cap
14.71B
Vol
33
Avg vol
2.05K
EPS
2.62
P/E
18.36
More statistics
Low
46.50
High
46.50

5D chart

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Financial health

Altman Z-Score

0.23 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 2
  • P/E 1
  • P/B 1

Valuation

P/E 21.6×
FY 2016: 47.5×FY 2017: 41.6×FY 2018: 38.1×FY 2019: 33.2×FY 2020: 27.0×FY 2021: 24.8×FY 2022: 23.3×FY 2023: 13.0×FY 2024: 16.3×FY 2025: 21.6×
FY 2016 5y median 21.6× FY 2025
P/S 10.6×
FY 2016: 15.4×FY 2017: 13.1×FY 2018: 12.5×FY 2019: 12.1×FY 2020: 11.5×FY 2021: 9.8×FY 2022: 9.0×FY 2023: 5.3×FY 2024: 8.1×FY 2025: 10.6×
FY 2016 5y median 9.0× FY 2025
P/B 5.2×
FY 2016: 14.8×FY 2017: 12.1×FY 2018: 9.5×FY 2019: 6.9×FY 2020: 5.2×FY 2021: 5.4×FY 2022: 5.2×FY 2023: 3.6×FY 2024: 4.5×FY 2025: 5.2×
FY 2016 5y median 5.2× FY 2025
P/FCF 14.6×
FY 2016: 6.5×FY 2017: 3.8×FY 2018: 213×FY 2019: -7.9×FY 2020: 8.2×FY 2021: -40.8×FY 2022: 39.0×FY 2023: 7.1×FY 2024: 78.2×FY 2025: 14.6×
FY 2016 5y median 14.6× FY 2025
EV/EBITDA 14.6×
FY 2016: 31.8×FY 2017: 27.2×FY 2018: 25.4×FY 2019: 21.0×FY 2020: 13.3×FY 2021: 15.7×FY 2022: 13.8×FY 2023: 6.9×FY 2024: 1544782×FY 2025: 14.6×
FY 2016 5y median 14.6× FY 2025
EV/Sales 10.4×
FY 2016: 15.4×FY 2017: 13.2×FY 2018: 12.5×FY 2019: 10.9×FY 2020: 8.5×FY 2021: 8.6×FY 2022: 7.9×FY 2023: 4.2×FY 2024: 7.1×FY 2025: 10.4×
FY 2016 5y median 7.9× FY 2025
FCF Yield 6.8%
FY 2016: 15.4%FY 2017: 26.1%FY 2018: 0.5%FY 2019: -12.7%FY 2020: 12.3%FY 2021: -2.4%FY 2022: 2.6%FY 2023: 14.2%FY 2024: 1.3%FY 2025: 6.8%
FY 2016 5y median 2.6% FY 2025

Profitability

Gross Margin 99.6%
FY 2016: 99.4%FY 2017: 99.2%FY 2018: 98.0%FY 2019: 97.9%FY 2020: 100.0%FY 2021: 99.2%FY 2022: 98.2%FY 2023: 93.7%FY 2024: 144.3%FY 2025: 99.6%
FY 2016 5y median 99.2% FY 2025
Operating Margin 71.0%
FY 2016: 46.9%FY 2017: 46.9%FY 2018: 48.0%FY 2019: 48.9%FY 2020: 63.1%FY 2021: 51.8%FY 2022: 54.7%FY 2023: 58.2%FY 2024: 71.7%FY 2025: 71.0%
FY 2016 5y median 58.2% FY 2025
Net Margin 49.1%
FY 2016: 32.5%FY 2017: 31.7%FY 2018: 32.6%FY 2019: 36.7%FY 2020: 42.5%FY 2021: 39.9%FY 2022: 38.8%FY 2023: 40.6%FY 2024: 49.7%FY 2025: 49.1%
FY 2016 5y median 40.6% FY 2025
ROE 24.4%
FY 2016: 31.1%FY 2017: 29.3%FY 2018: 24.7%FY 2019: 20.9%FY 2020: 19.2%FY 2021: 22.0%FY 2022: 22.4%FY 2023: 27.8%FY 2024: 27.3%FY 2025: 24.4%
FY 2016 5y median 24.4% FY 2025
ROIC 1.7%
FY 2016: 9.0%FY 2017: 9.6%FY 2018: 9.7%FY 2019: 12.8%FY 2020: 9.6%FY 2021: -12.8%FY 2022: -9.7%FY 2023: 15.5%FY 2024: 15.6%FY 2025: 1.7%
FY 2016 5y median 1.7% FY 2025
ROA 1.7%
FY 2016: 1.0%FY 2017: 1.0%FY 2018: 1.0%FY 2019: 1.0%FY 2020: 1.0%FY 2021: 1.1%FY 2022: 1.2%FY 2023: 1.8%FY 2024: 1.9%FY 2025: 1.7%
FY 2016 5y median 1.7% FY 2025

Growth (YoY)

Revenue -3.7%
FY 2016: -1.7%FY 2017: 3.4%FY 2018: 9.6%FY 2019: 6.1%FY 2020: -3.0%FY 2021: 25.5%FY 2022: 15.7%FY 2023: 35.6%FY 2024: -12.4%FY 2025: -3.7%
FY 2016 FY 2025
Operating Income -4.6%
FY 2016: 6.3%FY 2017: 3.2%FY 2018: 12.2%FY 2019: 8.1%FY 2020: 25.2%FY 2021: 3.0%FY 2022: 22.2%FY 2023: 44.3%FY 2024: 8.0%FY 2025: -4.6%
FY 2016 FY 2025
EPS (diluted) -5.6%
FY 2016: 12.9%FY 2017: 0.0%FY 2018: 14.3%FY 2019: 17.5%FY 2020: 12.8%FY 2021: 17.0%FY 2022: 12.9%FY 2023: 42.9%FY 2024: 7.0%FY 2025: -5.6%
FY 2016 FY 2025
Free Cash Flow 571.5%
FY 2016: 1012.4%FY 2017: 49.5%FY 2018: -98.1%FY 2019: -2859.7%FY 2020: 189.0%FY 2021: -121.5%FY 2022: 211.3%FY 2023: 338.8%FY 2024: -87.9%FY 2025: 571.5%
FY 2016 FY 2025

Financial Health

Current Ratio 39.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 39.0×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 39.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 39.0×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.7×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.7×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA -0.2×
FY 2016: -0.0×FY 2017: 0.1×FY 2018: -0.0×FY 2019: -2.3×FY 2020: -4.6×FY 2021: -2.3×FY 2022: -2.0×FY 2023: -1.9×FY 2024: -232483×FY 2025: -0.2×
FY 2016 5y median -2.0× FY 2025
Interest Coverage 0.0×
FY 2016: 78.2×FY 2017: 61.2×FY 2018: 24.5×FY 2019: 23.1×FY 2020: 45.1×FY 2021: 66.4×FY 2022: 30.6×FY 2023: 9.2×FY 2024: 7.8×FY 2025: 0.0×
FY 2016 5y median 9.2× FY 2025

Dividends

Dividend Yield 3.5%
FY 2016: 1.6%FY 2017: 2.0%FY 2018: 2.0%FY 2019: 2.2%FY 2020: 0.3%FY 2021: 3.7%FY 2022: 2.6%FY 2023: 4.1%FY 2024: 4.2%FY 2025: 3.5%
FY 2016 5y median 3.7% FY 2025
Payout Ratio 75.6%
FY 2016: 75.4%FY 2017: 81.4%FY 2018: 77.2%FY 2019: 71.0%FY 2020: 8.2%FY 2021: 90.3%FY 2022: 60.3%FY 2023: 52.9%FY 2024: 69.3%FY 2025: 75.6%
FY 2016 5y median 69.3% FY 2025

Annual · latest fiscal year ends 2025-12-31