0.44%
10.45%
25.79%
25.36%
40.49%
23.67%
69.96%
AI Spotlight on FBK
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, 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.
Market Data
| Last Price | 18.39 |
| Change Percentage | 0.44% |
| Open | 18.48 |
| Previous Close | 18.31 |
| Market Cap ( Millions) | 11235 |
| Volume | 1878882 |
| Year High | 18.5 |
| Year Low | 12.4 |
| M A 50 | 16.9 |
| M A 200 | 15.41 |
Financial Ratios
| FCF Yield | 7.44% |
| Dividend Yield | 3.75% |
| ROE | 33.82% |
| Debt / Equity | 36.30% |
| Net Debt / EBIDTA | -221.40% |
| Price To Book | 5.13 |
| Price Earnings Ratio | 14.72 |
| Price To FCF | 13.45 |
| Price To sales | 7.73 |
| EV / EBITDA | 10.04 |
News
- Jan -08 - Dividend Stocks To Watch In January 2025
- Dec -10 - 3 Dividend Stocks To Consider With Up To 7.2% Yield
- Nov -11 - Three Compelling Dividend Stocks To Enhance Your Portfolio
- Nov -06 - FinecoBank SpA (STU:ZS3) Q3 2024 Earnings Call Highlights: Strong Profit Growth and Robust ...
- Oct -09 - FinecoBank SpA (FCBBF) (H1 2024) Earnings Call Highlights: Strong Profit Growth and Robust ...
- May -10 - Stocks to watch this week: Burberry, Vodafone, BT and Walmart
- Apr -26 - Stocks to watch this week: Amazon, Apple, Anglo American and Novo Nordisk
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking and Related Activities
Expected Growth : 6.17 %
What the company do ?
FinecoBank Banca Fineco S.p.A. offers a range of banking and related activities, including personal and commercial banking, investment, and wealth management services.
Why we expect these perspectives ?
FinecoBank's 6.17% growth in Banking and Related Activities is driven by increasing demand for online banking services, expansion of investment products, and strategic partnerships. Additionally, the bank's focus on digital transformation, cost optimization, and strong risk management practices have contributed to its growth.
Finecobank Banca Fineco S.P.A. Products
| Product Range | What is it ? |
|---|---|
| Current Accounts | FinecoBank's current accounts offer a convenient and flexible way to manage daily finances, with features such as online banking, mobile banking, and debit cards. |
| Savings Accounts | FinecoBank's savings accounts provide a safe and secure way to save money, with competitive interest rates and flexible access to funds. |
| Investment Products | FinecoBank's investment products offer a range of options for investors, including stocks, bonds, ETFs, and mutual funds, with access to expert research and analysis. |
| Mortgage Loans | FinecoBank's mortgage loans offer competitive rates and flexible repayment terms, with options for fixed-rate and variable-rate loans. |
| Personal Loans | FinecoBank's personal loans offer flexible repayment terms and competitive interest rates, with options for unsecured and secured loans. |
| Credit Cards | FinecoBank's credit cards offer rewards, cashback, and other benefits, with competitive interest rates and flexible repayment terms. |
| Insurance Products | FinecoBank's insurance products offer a range of options for life insurance, home insurance, and other types of coverage, with competitive rates and flexible policies. |
| Wealth Management | FinecoBank's wealth management services offer personalized investment advice and portfolio management, with access to expert financial advisors. |
FinecoBank Banca Fineco S.p.A.'s Porter Forces
Threat Of Substitutes
FinecoBank's services are highly specialized, making it difficult for substitutes to emerge. However, the rise of fintech companies and digital banking platforms poses a moderate threat.
Bargaining Power Of Customers
FinecoBank's customers have limited bargaining power due to the bank's strong brand reputation and diversified product offerings.
Bargaining Power Of Suppliers
FinecoBank has a diversified supplier base, reducing the bargaining power of individual suppliers. The bank's strong financial position also gives it negotiating power.
Threat Of New Entrants
The Italian banking industry has high barriers to entry, including regulatory hurdles and capital requirements, making it difficult for new entrants to compete with FinecoBank.
Intensity Of Rivalry
The Italian banking industry is highly competitive, with many established players competing for market share. FinecoBank faces intense rivalry from other banks and fintech companies.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 46.05% |
| Debt Cost | 8.08% |
| Equity Weight | 53.95% |
| Equity Cost | 8.68% |
| WACC | 8.41% |
| Leverage | 85.36% |
FinecoBank Banca Fineco S.p.A. : Quality Control
FinecoBank Banca Fineco S.p.A. passed 6 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| MB.MI | Mediobanca Banca di Credito Finanziario S.p.A., together with its subsidiaries, provides various banking products and services in Italy and internationally. The company operates through Wealth Management, Consumer Banking, Corporate and … |
| BPSO.MI | Banca Popolare di Sondrio S.p.A., together with its subsidiaries, provides various banking products and services in Italy. The company offers current accounts, savings deposits, certificates of deposits, time deposit accounts, … |
| UNI.MC | Unicaja Banco, S.A. provides various banking products and services to individuals and companies in Spain and internationally. It offers accounts, payments, and debit and credit cards; mortgages and personal loans; … |
| BPE.MI | BPER Banca SpA provides banking products and services for individuals, and businesses and professionals in Italy and internationally. The company operates through Retail, Private, Corporate, Large Corporate, Finance, Corporate Center, … |
| BGN.MI | Banca Generali S.p.A. distributes financial products and services for affluent and private customers through financial advisors primarily in Italy. It operates through Wealth Management Cash-Generating Unit (CGU) and Private Banking … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
🥇
Mediobanca
A-Score
1-Year Total Return ->
🥈
Banca Generali
A-Score
1-Year Total Return ->
🥉
FinecoBank
A-Score
1-Year Total Return ->
4
Unicaja Banco
A-Score
1-Year Total Return ->
5
BPER Banca
A-Score
1-Year Total Return ->
6
