ScoreWhy is FinecoBank SpA ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 17.57% signifying inadequate buffers against its risk based assets
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 17.57% signifying inadequate buffers against its risk based assets
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2
Flat results in Jun 25
- NII(Q) Lowest at EUR 315.28 MM
- NET SALES(Q) Lowest at EUR 361.4 MM
3
With ROA of 0.29%, it has a Expensive valuation with a 6.57 Price to Book Value
- Over the past year, while the stock has generated a return of 22.68%, its profits have risen by 26.9% ; the PEG ratio of the company is 2.2
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.13%
EBIT Growth (5y)
16.91%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
69.29%
Pledged Shares
0
Institutional Holding
0.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
60
Industry P/E
Price to Book Value
6.57
EV to EBIT
53.81
EV to EBITDA
51.62
EV to Capital Employed
6.93
EV to Sales
41.53
PEG Ratio
2.23
Dividend Yield
3.94%
ROCE (Latest)
12.89%
ROE (Latest)
11.00%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
OPERATING CASH FLOW(Y)
Highest at EUR 2,093.01 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 104.17%
OPERATING PROFIT MARGIN(Q)
Highest at 127.71 %
-5What is not working for the Company
NII(Q)
Lowest at EUR 315.28 MM
NET SALES(Q)
Lowest at EUR 361.4 MM
Here's what is working for FinecoBank SpA
Operating Cash Flow
Highest at EUR 2,093.01 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (EUR MM)
Operating Profit Margin
Highest at 127.71 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Credit Deposit Ratio
Highest at 104.17%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for FinecoBank SpA
NII
Lowest at EUR 315.28 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (EUR MM)
Net Sales
Lowest at EUR 361.4 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (EUR MM)
Capital Adequacy Ratio
Lowest at 32.07%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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