FinecoBank SpA (ZS3) Price & Analysis

ZS3 Stock Chart & Stats

€20.71-€0.19(-0.91%)

At close: Oct 30 4:00 PM EDT

Day’s Range: EUR 20.71 - EUR 20.94
52-Week Range: EUR 17.05 - EUR 39.52
Previous Close: EUR 20.90
Volume: 457
Average Volume (3M): 470
Market Cap: EUR 12.68B
Enterprise Value: EUR 13.95B
Total Cash (Recent Filing): EUR 1.83B
Total Debt (Recent Filing): EUR 2.34B
Price to Earnings (P/E): 18.8
Beta: 0.74
Next Earnings: Nov 04, 2026
EPS Estimate: 0.28
Next Dividend Ex-Date: N/A
Dividend Yield: 3.75%

Bulls Say, Bears Say

Bulls Say

High Profitability

FinecoBank’s very high net and operating margins demonstrate strong earnings conversion from its banking, brokerage, and investment platform. This profitability provides internal capacity to support technology, advisors, and client growth while reinforcing resilience over the coming quarters.

Multi-year Revenue Growth

The expansion in revenue over several years indicates that FinecoBank has grown its overall earning base rather than relying solely on a single reporting period. A larger platform can support operating leverage and broaden the contribution from banking and investment services.

Strong Recent Cash Generation

Recent operating and free cash flow near one billion euros show that reported earnings have generally translated into cash. Strong conversion can fund investment, shareholder distributions, and balance-sheet needs without depending exclusively on external capital.

Bears Say

Higher Leverage

The sharp year-over-year increase in debt-to-equity makes FinecoBank’s capital structure less stable than in 2024. Greater leverage can reduce financial flexibility and leave a smaller buffer to absorb earnings pressure or support strategic investment during weaker conditions.

Volatile Revenue Growth

Although the longer-term revenue trend is positive, the decline followed by a sharp rebound shows that annual growth can fluctuate materially. That variability makes near-term earnings normalization less predictable and complicates planning for sustained expansion.

Lumpy Cash Conversion

Strong recent cash generation is offset by a history of uneven outcomes, including negative cash flow in 2021 and a sharp year-over-year decline in 2025 free cash flow growth. This lumpiness reduces confidence in consistently predictable cash availability.

FinecoBank SpA News

FinecoBank price target lowered to EUR 25.75 from EUR 27.20 at Citi

Citi analyst Andrew Lowe lowered the firm’s price target on FinecoBank (FCBBF) to EUR 25.75 from EUR 27.20 and keeps a Buy rating on the shares. Published first on TheFly

2d agoZS3 FCBBF

FinecoBank upgraded to Outperform from Market Perform at Keefe Bruyette

Keefe Bruyette upgraded FinecoBank (FCBBF) to Outperform from Market Perform with a price target of EUR 27.20, up from EUR 25.70. Published first on TheFly – the ultimate source for

1w agoZS3 FCBBF

FinecoBank price target raised to EUR 27.20 from EUR 26.40 at Citi

Citi analyst Andrew Lowe raised the firm’s price target on FinecoBank (FCBBF) to EUR 27.20 from EUR 26.40 and keeps a Buy rating on the shares. Published first on TheFly

1M agoZS3 FCBBF

FinecoBank price target raised to EUR 23.40 from EUR 20.70 at Deutsche Bank

Deutsche Bank analyst Giovanni Razzoli raised the firm’s price target on FinecoBank (FCBBF) to EUR 23.40 from EUR 20.70 and keeps a Hold rating on the shares. Published first on

1M agoZS3 FCBBF

FinecoBank price target raised to EUR 27.50 from EUR 26.50 at Morgan Stanley

Morgan Stanley analyst Marina Massuti raised the firm’s price target on FinecoBank (FCBBF) to EUR 27.50 from EUR 26.50 and keeps an Overweight rating on the shares. Published first on

1M agoZS3 FCBBF

0QVF Earnings this Week: How Will it Perform?

Finecobank S.P.A (0QVF) is scheduled to report 2nd quarter earnings on 07/29/2026. Regarding Q2 estimates, Wall Street analysts expect Finecobank S.P.A to post earnings of €0.28 per share. Revenue expectations

3M agoZS3 FCBBF

FinecoBank price target raised to EUR 27 from EUR 26.80 at JPMorgan

JPMorgan raised the firm’s price target on FinecoBank (FCBBF) to EUR 27 from EUR 26.80 and keeps an Overweight rating on the shares. Published first on TheFly – the ultimate

5M agoZS3 FCBBF

FinecoBank price target lowered to EUR 26.10 from EUR 26.80 at Citi

Citi lowered the firm’s price target on FinecoBank (FCBBF) to EUR 26.10 from EUR 26.80 and keeps a Buy rating on the shares. Published first on TheFly – the ultimate

8M agoZS3 FCBBF

FinecoBank price target raised to EUR 27 from EUR 26.40 at JPMorgan

JPMorgan raised the firm’s price target on FinecoBank (FCBBF) to EUR 27 from EUR 26.40 and keeps an Overweight rating on the shares. Published first on TheFly – the ultimate

8M agoZS3 FCBBF

FinecoBank price target raised to EUR 20.70 from EUR 19.50 at Deutsche Bank

Deutsche Bank raised the firm’s price target on FinecoBank (FCBBF) to EUR 20.70 from EUR 19.50 and keeps a Hold rating on the shares. Published first on TheFly – the

8M agoZS3 FCBBF

FinecoBank price target raised to EUR 25.50 from EUR 25 at Morgan Stanley

Morgan Stanley raised the firm’s price target on FinecoBank (FCBBF) to EUR 25.50 from EUR 25 and keeps an Overweight rating on the shares. Published first on TheFly – the

8M agoZS3 FCBBF

0QVF Upcoming Earnings Report: What to Expect?

Finecobank S.P.A (0QVF) is scheduled to report 4th quarter earnings on 02/05/2026. Regarding Q4 estimates, Wall Street analysts expect Finecobank S.P.A to post earnings of €0.27 per share. Revenue expectations

9M agoZS3 FCBBF

0QVF Upcoming Earnings Report: What to Expect?

Finecobank S.P.A (0QVF) is scheduled to report 3rd quarter earnings on 11/04/2025. Regarding Q3 estimates, Wall Street analysts expect Finecobank S.P.A to post earnings of €0.26 per share. Revenue expectations

12M agoZS3 FBK

FinecoBank SpA (0QVF) Unveils Dividend Details for Q2: Mark Your Calendar!

FinecoBank SpA (LSE: 0QVF) has declared, under its dividend policy, a yearly cash dividend in the amount of €0.74 per common share. The dividend will be payable on 05/21/2025, to

1y agoZS3 FBK

ZS3 FAQ

What was FinecoBank SpA’s price range in the past 12 months?

FinecoBank SpA lowest stock price was €17.05 and its highest was €39.52 in the past 12 months.

What is FinecoBank SpA’s market cap?

FinecoBank SpA’s market cap is €12.68B.

When is FinecoBank SpA’s upcoming earnings report date?

FinecoBank SpA’s upcoming earnings report date is Nov 04, 2026 which is in 3 days.

How were FinecoBank SpA’s earnings last quarter?

FinecoBank SpA released its earnings results on Jul 29, 2026. The company reported €0.295 earnings per share for the quarter, beating the consensus estimate of €0.276 by €0.019.

Is FinecoBank SpA overvalued?

According to Wall Street analysts FinecoBank SpA’s price is currently Undervalued.

Does FinecoBank SpA pay dividends?

FinecoBank SpA does not currently pay dividends.

What is FinecoBank SpA’s EPS estimate?

FinecoBank SpA’s EPS estimate is 0.28.

How many shares outstanding does FinecoBank SpA have?

FinecoBank SpA has 611,890,600 shares outstanding.

What happened to FinecoBank SpA’s price movement after its last earnings report?

FinecoBank SpA reported an EPS of €0.295 in its last earnings report, beating expectations of €0.276. Following the earnings report the stock price went down -1.814%.

Which hedge fund is a major shareholder of FinecoBank SpA?

Currently, no hedge funds are holding shares in DE:ZS3

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

FinecoBank SpA

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.

FinecoBank SpA (ZS3) Earnings & Revenues

Historic Earnings Reports

ZS3 Stock 12 Month Forecast

Average Price Target

EUR 25.85▲(24.82% Upside)

Past 12 Months12 Month ForecastJan2026Oct2026

HighEUR 27.50

AverageEUR 25.85

LowEUR 23.40

Detailed Analyst Forecast >

Technical Analysis

Overall Consensus

Indicator	Bullish	Neutral	Bearish
Overall Consensus	1	6	15
Technical Analysis	1	6	3
Moving Averages	0	0	12

Technical Analysis >

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Ownership Overview

24.28% Mutual Funds
59.13% Public Companies and Individual Investors

Detailed Ownership Overview >

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FinecoBank SpA stock analysis

FinecoBank SpA (ZS3) Price & Analysis

ZS3 Stock Chart & Stats

Bulls Say, Bears Say

Bulls Say

High Profitability

Multi-year Revenue Growth

Strong Recent Cash Generation

Bears Say

Higher Leverage

Volatile Revenue Growth

Lumpy Cash Conversion

FinecoBank SpA News

FinecoBank price target lowered to EUR 25.75 from EUR 27.20 at Citi

FinecoBank upgraded to Outperform from Market Perform at Keefe Bruyette

FinecoBank price target raised to EUR 27.20 from EUR 26.40 at Citi

FinecoBank price target raised to EUR 23.40 from EUR 20.70 at Deutsche Bank

FinecoBank price target raised to EUR 27.50 from EUR 26.50 at Morgan Stanley

0QVF Earnings this Week: How Will it Perform?

FinecoBank price target raised to EUR 27 from EUR 26.80 at JPMorgan

FinecoBank price target lowered to EUR 26.10 from EUR 26.80 at Citi

FinecoBank price target raised to EUR 27 from EUR 26.40 at JPMorgan

FinecoBank price target raised to EUR 20.70 from EUR 19.50 at Deutsche Bank

FinecoBank price target raised to EUR 25.50 from EUR 25 at Morgan Stanley

0QVF Upcoming Earnings Report: What to Expect?

0QVF Upcoming Earnings Report: What to Expect?

FinecoBank SpA (0QVF) Unveils Dividend Details for Q2: Mark Your Calendar!

ZS3 FAQ

Company Description

FinecoBank SpA

FinecoBank SpA (ZS3) Earnings & Revenues

ZS3 Stock 12 Month Forecast

Average Price Target

Technical Analysis

Overall Consensus

Similar Stocks

Ownership Overview

Popular Stocks

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