How does FNBK.Y's PE Ratio compare to its peers?

FNBK.Y is expensive based on its Price-To-Earnings Ratio (15.7x) compared to the peer average (12.8x).

How does FNBK.Y's PE Ratio compare vs other companies in the US Banks Industry?

FNBK.Y is expensive based on its Price-To-Earnings Ratio (15.7x) compared to the US Banks industry average (12.4x).

What is FNBK.Y's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate FNBK.Y's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of FNBK.Y when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

FNBK.Y ($36.15) is trading below our estimate of [[fair value]] ($37.21)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

FNBK.Y Stock Overview

Provides banking and investment products and services. More details

FNBK.Y fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	1/6
Past Performance	5/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 2.9% below our estimate of its fair value

Earnings grew by 11.1% over the past year

Risk Analysis

Shares are highly illiquid

Earnings are forecast to decline by an average of 1% per year for the next 3 years

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

FinecoBank Banca Fineco S.p.A. Competitors

Credicorp

NYSE:BAP

US$14.5b

Comerica

NYSE:CMA

US$8.0b

Fifth Third Bancorp

NasdaqGS:FITB

US$28.8b

First Citizens BancShares

NasdaqGS:FCNC.A

US$29.5b

Price History & Performance

Summary of share price highs, lows and changes for FinecoBank Banca Fineco
Historical stock prices
Current Share Price	€36.15
52 Week High	€36.16
52 Week Low	€29.27
Beta	0.91
1 Month Change	22.79%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	3.29%

Recent updates

Shareholder Returns

	FNBK.Y	US Banks	US Market
7D	0%	-3.4%	-2.4%
1Y	n/a	29.1%	23.4%

Return vs Industry: Insufficient data to determine how FNBK.Y performed against the US Banks industry.

Return vs Market: Insufficient data to determine how FNBK.Y performed against the US Market.

Price Volatility

Is FNBK.Y's price volatile compared to industry and market?
FNBK.Y volatility
FNBK.Y Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: FNBK.Y's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine FNBK.Y's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1999	1,438	Alessandro Foti	finecobank.com

FinecoBank Banca Fineco S.p.A. provides banking and investment products and services. The company offers banking services, including current account and deposit services, payment services, mortgages, overdrafts, 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 trading of CFDs, futures, options, bonds, ETFs, and certificates. It also provides asset management services, such as placement and distribution services of various products, including units issued by investment funds and SICAV shares, and insurance and pension products, as well as investment advisory services.

FinecoBank Banca Fineco S.p.A. Fundamentals Summary

How do FinecoBank Banca Fineco's earnings and revenue compare to its market cap?
FNBK.Y fundamental statistics
Market cap	US$10.60b
Earnings (TTM)	US$672.89m
Revenue (TTM)	US$1.36b

15.7x

P/E Ratio

4.3x

P/B Ratio

Is FNBK.Y overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FNBK.Y income statement (TTM)
Revenue	€1.30b
Cost of Revenue	€2.16m
Gross Profit	€1.30b
Other Expenses	€652.02m
Earnings	€644.90m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 05, 2025

Earnings per share (EPS)	1.06
Gross Margin	99.83%
Net Profit Margin	49.64%
Debt/Equity Ratio	35.7%

How did FNBK.Y perform over the long term?

See historical performance and comparison

Dividends

4.2%

Current Dividend Yield

68%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/21 15:36
End of Day Share Price	2024/12/13 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

FinecoBank Banca Fineco S.p.A. is covered by 26 analysts. 13 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Gabriele Gambarova	Banca Akros S.p.A. (ESN)
Enrico Esposti	Banca Akros S.p.A. (ESN)
Paola Sabbione	Barclays

FinecoBank Banca Fineco OTCPK:FNBK.Y Stock Report