ZS3 Stock Chart & Stats
€22.35
€0.25(1.49%)
At close: 4:00 PM EST
€22.35
€0.25(1.49%)
Day’s Range― - ―
52-Week Range€10.72 - €39.52
Previous CloseN/A
Volume0.00
Average Volume (3M)58.00
Market Cap
€14.35B
Enterprise Value€13.36K
Total Cash (Recent Filing)€0.00
Total Debt (Recent Filing)€801.56M
Price to Earnings (P/E)22.5
Beta0.70
Next Earnings
Jul 29, 2026EPS Estimate
0.28Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.06
Shares Outstanding611,890,600
10 Day Avg. Volume155
30 Day Avg. Volume58
Financial Highlights & Ratios
PEG Ratio-22.41
Price to Book (P/B)5.32
Price to Sales (P/S)10.31
P/FCF Ratio14.25
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€26.52Price Target Upside18.64% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering6
EPS Forecast (FY)1.11
Revenue Forecast (FY)€1.45B
Bulls Say, Bears Say
Bulls Say
High And Durable ProfitabilitySustained very high operating and net margins signal structural efficiency in FinecoBank's platform model. High margins support strong returns on capital and provide durable internal funding for investment, dividends and adviser economics, reducing reliance on external financing over months.
Integrated Multichannel Business ModelFineco's mix of banking, brokerage and wealth services creates diversified, recurring revenue streams (NII, fees, trading commissions). The multichannel plus adviser network reduces single-channel exposure and supports cross-selling, improving resilience of fee and commission income over the medium term.
Strong Cash Conversion In Recent YearsClose alignment of free cash flow and net income demonstrates the bank's ability to convert profits into cash. Robust recent OCF/FCF supports sustainable dividend capacity and reinvestment, giving management flexibility for capital allocation across advisory, platform and balance-sheet growth initiatives.
Bears Say
Variable Leverage ProfileMeaningful swings in leverage raise funding and capital-allocation uncertainty. A rising debt-to-equity ratio can increase funding costs and constrain strategic flexibility, making the bank more sensitive to liquidity and market-rate shifts and complicating multi-quarter capital planning.
Lumpy And Volatile Cash Flows HistoricallyWhile cash conversion has been strong recently, historical episodes of negative operating/free cash flow and sharp year-to-year swings indicate unpredictability. Lumpiness reduces forecasting reliability for dividends, buybacks and investments and increases reliance on balance-sheet management during weak periods.
Revenue And Income Growth VolatilityMaterial year-to-year swings in revenue and net income complicate assessment of trend sustainability. Dependence on market-sensitive brokerage volumes and interest-rate driven NII means performance can vary with external cycles, challenging consistent multi-quarter planning and margin normalization assumptions.
FinecoBank SpA News
ZS3 FAQ
What was FinecoBank SpA’s price range in the past 12 months?
FinecoBank SpA lowest stock price was €10.71 and its highest was €39.52 in the past 12 months.
What is FinecoBank SpA’s market cap?
FinecoBank SpA’s market cap is €14.35B.
When is FinecoBank SpA’s upcoming earnings report date?
FinecoBank SpA’s upcoming earnings report date is Jul 29, 2026 which is in 6 days.
How were FinecoBank SpA’s earnings last quarter?
FinecoBank SpA released its earnings results on May 07, 2026. The company reported €0.261 earnings per share for the quarter, the consensus estimate of €0.261 by €0.
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 €0.261 in its last earnings report, expectations of €0.261. Following the earnings report the stock price went up 0.949%.
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.
ZS3 Stock 12 Month Forecast
Average Price Target
€26.52
▲(18.64% Upside)
Technical Analysis
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