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 Dec 25
- GROSS NPA (%)(Q) Highest at 2.11%
- CREDIT DEPOSIT RATIO(HY) Lowest at 28.13%
- NET SALES(Q) Lowest at EUR 356.13 MM
3
With ROA of 0.28%, it has a Expensive valuation with a 5.39 Price to Book Value
- Over the past year, while the stock has generated a return of 24.02%, its profits have risen by 26.9% ; the PEG ratio of the company is 2.7
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
74.64%
Pledged Shares
0
Institutional Holding
0.02%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
72
Industry P/E
Price to Book Value
5.39
EV to EBIT
61.69
EV to EBITDA
59.18
EV to Capital Employed
7.18
EV to Sales
47.61
PEG Ratio
2.67
Dividend Yield
3.51%
ROCE (Latest)
11.64%
ROE (Latest)
7.51%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
OPERATING CASH FLOW(Y)
Highest at EUR 1,864.58 MM
DIVIDEND PER SHARE(HY)
Highest at EUR 0
OPERATING PROFIT MARGIN(Q)
Highest at 134.29 %
DIVIDEND PAYOUT RATIO(Y)
Highest at 146.73%
-4What is not working for the Company
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 28.13%
NET SALES(Q)
Lowest at EUR 356.13 MM
Here's what is working for FinecoBank SpA
Operating Cash Flow
Highest at EUR 1,864.58 MM and Grown
In each year 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 134.29 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Dividend per share
Highest at EUR 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (EUR)
Dividend Payout Ratio
Highest at 146.73%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at EUR 14.24 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (EUR MM)
Here's what is not working for FinecoBank SpA
Non Performing Loans (%)
Highest at 2.11%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Net Sales
Lowest at EUR 356.13 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (EUR MM)
Credit Deposit Ratio
Lowest at 28.13%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Capital Adequacy Ratio
Lowest at 31.37%
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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