OTC: FCBBF - FinecoBank Banca Fineco S.p.A.

Yield per half year: 0%
Dividend yield: +10.37%
Sector: Financials

Reporting FinecoBank Banca Fineco S.p.A.

Capitalization

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд €												7.96
Выручка, млрд €			0.5518	0.5683	0.6197	0.7681	0.8798	0.9476	0.6514	1.23	1.33	1.33	1.01	8.62
Чистая прибыль, млрд €			0.2118	0.2141	0.2412	0.2884	0.3236	0.3807	0.2571	0.5335	0.5713	0.5713	0.4132	12.04
Баланс стоимость, млрд €			0.6813	0.7318	0.9757	1.38	1.69	1.73	1.15	2.13	2.17	2.17	1.77	5.13
FCF, млрд €						-1.2	1.07	-0.2298	0.1534	1.09	0.1236	0.1236	0.4414	-35.06
Операционный денежный поток, млрд €			-1.13	1.1	0.0564	-1.07	1.07	-0.2153	0.1615	1.1	0.1405	0.1405	0.4513	-33.37
Операционная прибыль, млрд €	0.2894	0.3023	0.3183	0.3258	0.3612	0.3835							0.3382	4.87
Операционные расходы, млрд €	0.2089	0.2382	0.2336	0.2425	0.2585	0.2767							0.2499	3.04
CAPEX, млрд €			0.0069	0.0071	0.0071	0.0954	0.0215	0.0084	0.0054	0.0151	0.0169	0.0169	0.0135	-4.70

	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q4	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q2	2024Q4	5 quarters average	CAGR 5
Выручка, млрд €						0.1527	0.1558	0.1681	0.165	0.1708				0.2427			0.2526	0.298			0.3471	0.5999			0.3481	19.84
Чистая прибыль, млрд €													0.0726	0.0915	0.1235	0.0989	0.08	0.1261	0.1473	0.1616	0.1401	0.297			0.1744	18.69
Баланс стоимость, млрд €										1.38				1.73		1.71	1.79	1.91		1.15	1.98	2.13	2.08	2.17	1.90	13.54
FCF, млрд €											0.0397	0.4866		-0.4797		0.2771		-0.2628							0.0122	-245.94
Операционная прибыль, млрд €						0.0982	0.0895	0.1071	0.0876	0.1028	0.0486	0.4992		-0.4839		0.2792		-0.2558							0.0175	-239.40
Операционные расходы, млрд €	0.0746	0.0436	0.0642	0.0596	0.0756	0.0545	0.0663	0.0609	0.0774	0.068															0.0654	4.53

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд €			2.34	1.99	0	0.7544	2.03	1.77	1.08	2.47	2.05	2.05	1.88	0.20
Short Term Investments €	2.89	1.96	1.2	1.23	1.27								1.71	-15.16
Long term investments €	11.06	13.56	15.68	16.58	9.83	22.3	24.03	24.71	26.08	22.12			23.85	-0.16
Total Receivables €	0.0448	0.044	0.0434	0.0183	0.018	0.0141	0.0156	0.5207					0.1173	95.36
Total Current Assets €	4.81	3.72	4.03	3.53	1.6	1.56	2.91	3.13	2.95				2.43	13.02
Чистые активы, млрд €	0.0083	0.0099	0.0121	0.0129	0.0145	0.1501	0.15	0.1486	0.0877				0.1102	43.33
Активы, млрд €			20.99	22.34	24.73	28.02	31.76	33.87	21.76	32.26	31.46	31.46	30.22	-0.19
Short Term Debt €	2.09	1.55	1.3	1.03									1.49	-16.21
Long Term Debt €	0.4247												0.4247	0.00
Задолженность, млрд €			20.31	21.61	23.76	26.64	30.07	32.14	20.61	30.13	29.29	29.29	28.45	-0.52
Долг, млрд €	2.52											1.55	2.52	0.00
Interest income €						0.2979	0.2783	0.2506	0.3573	0.7784			0.3925	21.18
Расходы на обслуживание долга €						0.0166	0.0106	0.0074	0.0118	0.0829	0.1063	0.1063	0.0438	58.58
Чист. проц. доходы, млрд €						0.2813	0.2677	0.2431	0.3375	0.6838			0.3627	19.44
Goodwill €	0.0896	0.0896	0.0896	0.0896	0.0896	0.0896	0.0896	0.0896	0.0896	0.0896			0.0896	0.00
Себестоимость, млрд €	0.0019	0.0019	0.002	0.0016									0.0018	-4.21

	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q4	2019Q2	2019Q3	2019Q4	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q2	2022Q3	2022Q4	2023Q2	2023Q3	2023Q4	2024Q2	2024Q4	5 quarters average	CAGR 5
Наличность, млрд €										0.7544							1.77	1.87	1.68	1.79	1.1	1.73	2.47	2.95	2.05	2.06	13.26
Short Term Investments €		0.9755		1.03		0.2029	1.27	0.1832																		0.7323	-28.43
Long term investments €								9.47	21.52	22.3							24.71	26.26	26.48	26.08	23.66	22.68	22.12			24.20	-3.53
Total Receivables €												0.0144	0.0156	0.0076	0.0844	0.4434	0.5207	0.8416	0.9023	1.11	0.8106					0.8370	9.26
Total Current Assets €											1.65	1.08	2.66	1.4	2.52	2.32	3.13	4.24	4		2.88					3.31	4.42
Чистые активы, млрд €											0.1518	0.1505	0.15	0.148	0.1512	0.1519	0.1486	0.145	0.1433	0.1462						0.1470	-0.76
Активы, млрд €										28.02							33.87	36.08	36.55	36.27	20.29	31.9	32.26	30.84	31.46	29.35	9.17
Short Term Debt €	0.0167	0.0114	0.0187	1.03	0.00046	0.9502																				0.4022	142.20
Задолженность, млрд €										26.64							32.14	34.37	34.76	34.36	19.14	29.92	30.13	28.76	29.29	27.45	8.88
Interest income €																	0.0618		0.0843	0.1316		0.18	0.5672			0.2050	55.79
Чист. проц. доходы, млрд €																	0.0618		0.0843	0.1316		0.18	0.4726			0.1861	50.21
Goodwill €								0.0896	0.0896	0.0896							0.0896	0.0896	0.0896	0.0896	0.0896	0.0896	0.0896			0.0896	0.00
Себестоимость, млрд €		0.0011		0.0016		0.0011		0.0011																		0.0012	0.00

Share

IFRS

Reporting Annual Quarterly

	2013	2014	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	0.159	0.3057	0.7983		0.6725	0.5255	0.63	0.4215	0.8738	0.9352		0.9352	0.6772	12.22
Цена акции ао				10	12.07	14.7	17.22	11.95	12.5	14.48	14.48	14.48	14.13	-3.41
Число акций ао, млн					557.42	558.56	558.88	365.98	534.77	535.11		535.11	510.66	-0.85
FCF/акцию					-1.97	1.75	-0.3768	0.4192	2.03	0.231		0.231	0.8107	-33.30

	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2025Q1	5 quarters average	CAGR 5
EPS	0.16	0.2	0.12	0.15		0.36	0.1202	0.34		0.51	0.2295	0.4864		0.3372	32.26
Цена акции ао				17.63	15.66	14.02	11.88	11.95	17.7	13.63	13.45	11.59	14.48	14.17	-3.94

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			31.09	29.26	24.72	20.86	19.18	22.05	23.56	28.09	26.62		26.62	19.76	23.90	6.78
ROA, %			1.01	0.9584	0.9753	1.03	1.02	1.12	1.22	1.67	1.79		1.79	4.95	1.36	11.91
ROIC, %	5.6													7.36	5.60	0.00
ROS, %				37.68	38.92	37.54	36.78	40.17	39.47	43.37	42.95	42.95	42.95	26.82	41.78	1.35
ROCE, %												0	0	9.68
Ebit margin, %												0	0
Рентаб EBITDA, %												0	0	21.90
Чистая рентаб, %			38.39	37.68	38.92	37.54	36.78	40.17	39.47	43.37	42.95		42.95	26.83	40.55	3.15
Operation Margin, %	58.08	55.93	57.67	57.34	58.29	49.93				0	0	0	0	14.48	55.83	-2.24

	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2021Q4	2022Q2	2022Q3	2022Q4	2023Q2	2023Q3	2023Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %								7.74	4.74	6.74	5.3	5.78	4.46	6.6	8.45	8.13	16.73		19.76	8.87	30.27
ROA, %								0.2781	0.2199	0.3326	0.27	0.274	0.219	0.3477	0.4778	0.4467	0.9442		4.95	0.4871	33.94
ROS, %							39.97	42.75	36.99	54.59	37.68		31.69	42.32		40.36	49.51	42.95	26.82	41.37	6.27
Чистая рентаб, %						41.59	39.97	42.75	36.99	54.59	37.68		31.69	42.32		40.36	49.51		26.83	40.31	5.61
Operation Margin, %	48.67	69.37	58.33	62.9	49.97	64.3	57.47	63.74	53.09	60.2									14.48	59.76	-1.31

Coefficients

IFRS

Reporting Annual Quarterly

	2014	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E		25.46	27.69	27.31	17.01	12.53	13.56		13.56	19.24	19.62	-13.31
P/BV		5.31	5.31	6.02	3.82	3.15	3.58		3.58	2.36	4.38	-7.58
P/S		9.56	10.18	10.97	6.71	5.43	5.81		5.81	4.64	7.82	-10.61
P/FCF						0	0	64.4	64.4	2.29	64.40	0.00
E/P						0.0568	0.0568	0.0718	0.0718	87.84	0.0618	8.12
EV/EBIT							0	0	0
EV/S						0	0	0	0	4.03
EV/FCF							0	0	0	9.29
Debt/EBITDA						0	0	0	0	-176.21
Netdebt/Ebitda						0	0	0	0	240.99
Debt/Ratio	0.1502					0	0	0.0493	0.0493	0.12	0.0998	-42.71
Debt/Equity	4.56					0	0	13.5	13.5	11.24	9.03	72.06
Debt/Net Income	16.8					3.43	3.43	2.71	2.71	18.05	6.59	-36.63
PEG								4.76	4.76		4.76	0.00
Бета						0	0	-3.31	-3.31	-0.75	-3.3100	0.00
Индекс Альтмана						0	0	0.3713	0.3713	40.56	0.3713	0.00

	2022Q3	2022Q4	2023Q2	2023Q3	2023Q4	2024Q2	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E	42.93	35.36		22.81	12.33					19.24	28.36	-26.79
P/BV	4.11	3.82	4.42	3.78	3.15	3.85	3.58			2.36	3.76	-4.13
P/S	14.86	13.24		8.81	5.6					4.64	10.63	-21.65
P/FCF									64.4	2.29	64.40	0.00
E/P									0.0718	87.84	0.0718	0.00
Debt/Ratio									0.0493	0.12	0.0493	0.00
Debt/Equity									13.5	11.24	13.50	0.00
Debt/Net Income									2.71	18.05	2.71	0.00
PEG									4.76		4.76	0.00
Бета								-5.4	-2.46	-0.75	-3.9300	-32.51
Индекс Альтмана								0	0.3713	40.56	0.3713	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.022	0.1262	0.1597	0.1744	0.1861	0.2046	0.0266	0.3436	0.1932	0.41				0.2356	14.91
Дивиденд				14.11	2733.61	9143.63	18028.26	29849.21	0.39	0.5576	0.7853	0.7853		9575.84	-86.58
Див доход, ао, %				144.15	23719.77	83726.6	152766.04	169571.67	170086.52	7.23	10.37	10.37	6.73	98488.37	-85.33
Дивиденды / прибыль, %			75.38	81.45	77.15	70.96	8.21	90.26	60.28	58.43	71.76	71.76	47.94	57.79	54.28

	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2023Q2	Industry average	5 quarters average	CAGR 5
Дивиденд	9372.93	6677.38	720.5	7038.97	4630.5	18179.2	0.53	0.1	0.39	0.49		3636.14	-87.81
Див доход, ао, %	81208.18	44484.33	5034.16	41470.62	27015.76	94930.57	3.01	0.6385	2.78	3.6	6.73	18988.12	-86.94

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	1296	1384	3.34

	CAGR 5

	CAGR 5