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FinecoBank SpAFCBBF 78 Debt-to-Equity is 0.30 as of Mar. 2026, which is 9% below its 10-year median of 0.33. GuruFocus rates FCBBF with a GF Score™ of 78/100 and a GF Value™ of $18.77 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,421 Banks companies, FinecoBank SpA ranks better than 52.15% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for FinecoBank SpA's Debt-to-Equity or its related term are showing as below:
FCBBF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04 Med: 0.33 Max: 0.45
Current: 0.55
During the past 13 years, the highest Debt-to-Equity Ratio of FinecoBank SpA was 0.45. The lowest was 0.04. And the median was 0.33.
FCBBF's Debt-to-Equity is ranked better than 52.15% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs FCBBF: 0.55
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
FinecoBank SpA Debt-to-Equity Related Terms
FinecoBank SpA Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for FinecoBank SpA's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, FinecoBank SpA's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
FinecoBank SpA Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, FinecoBank SpA's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where FinecoBank SpA's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FinecoBank SpA (FCBBF) has a Debt-to-Equity of 0.30 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on FinecoBank SpA and its competitors. This is near median its historical median of 0.33. Over the past decade, FinecoBank SpA's Debt-to-Equity has ranged from 0.04 to 0.45. According to the industry distribution chart, FinecoBank SpA ranks #680 out of 1421 companies in the Banks industry, placing it in the top 47.9%.
Is FinecoBank SpA's Debt-to-Equity too high?
FinecoBank SpA's current Debt-to-Equity of 0.30 is near median its 10-year median of 0.33. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.45. The Banks industry median Debt-to-Equity is 0.58. FinecoBank SpA's value of 0.30 is 48.3% below this industry median. Based on the distribution chart, FinecoBank SpA ranks #680 out of 1421 companies in the Banks industry, which is above the industry midpoint. Overall, FinecoBank SpA has a GF Score™ of 78/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FinecoBank SpA's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, FinecoBank SpA ranks #680 out of 1421 companies for Debt-to-Equity. This puts FinecoBank SpA in the upper half of its industry. The industry median Debt-to-Equity is 0.58. FinecoBank SpA's value of 0.30 is 48.3% below this benchmark. Historically, FinecoBank SpA's own Debt-to-Equity has ranged from 0.04 to 0.45 over the past decade. While the company's 10-year median is 0.33 vs. the industry median of 0.58, FinecoBank SpA has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinecoBank SpA's current Debt-to-Equity of 0.30 is 48.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on FinecoBank SpA and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinecoBank SpA's current Debt-to-Equity is 0.30, which is near median its own 10-year median of 0.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FinecoBank SpA stock overvalued right now?
Based on GuruFocus' analysis, FinecoBank SpA (FCBBF) is currently considered Significantly Overvalued. The stock's GF Value™ is $18.77, compared to a current price of $25.63 — trading 36.5% above its estimated fair value. The current Debt-to-Equity is 0.30, which is near median its 10-year median of 0.33 and 48.3% below the Banks industry median of 0.58. FinecoBank SpA's overall GF Score™ is 78/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For FinecoBank SpA (FCBBF), the current Debt-to-Equity is 0.30 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is FinecoBank SpA (FCBBF) Overvalued in 2026?
Based on GuruFocus' analysis, FinecoBank SpA stock appears to be overvalued.
The current stock price of $25.63 is trading 36.5% above its estimated GF Value™ of $18.77.
GuruFocus considers FinecoBank SpA to be Significantly Overvalued.
Key valuation signals for FCBBF:
Debt-to-Equity: 0.30 (near median its 10-year median of 0.33)
GF Value™: $18.77 vs. price of $25.63 (36.5% above fair value)
Industry Position: 48.3% below the Banks median (#680 of 1421)
No single metric tells the full story. See the FCBBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FinecoBank SpA is a FinTech bank based in Italy, offering its services through a network of personal financial advisors and online and mobile channels that operate in an integrated manner. The Group's offerings are divided into three product areas: Banking, Brokerage, and Investing. Maximum revenue is generated from Banking activities, which include current account services, payment services, and the issuance of debit, credit, and prepaid cards, mortgages, overdrafts, and personal loans. The Brokerage category offers order execution services on behalf of the customer, and trading access to CFDs, futures, options, bonds, ETFs, and certificates; and Investing includes the asset management activities of the Group, its investment advisory services, and various investment products offerings.
78GF Score
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