FinecoBank SpA (MIL:FBK) Margin of Safety % (DCF Earnings Based): 10.58% (As of Jun. 25, 2026)


MIL:FBK FinecoBank SpA MIL:FBK
76 GF Score
Price €22.47
GF Value €17.20
Valuation Significantly Overvalued
! 7 Warning Signs
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What is FinecoBank SpA Margin of Safety % (DCF Earnings Based)?

FinecoBank SpA MIL:FBK -1.01% 76 Margin of Safety % (DCF Earnings Based) is 10.58% as of Jun. 25, 2026. GuruFocus rates MIL:FBK with a GF Score™ of 76/100 and a GF Value™ of €17.20 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-25), FinecoBank SpA's Predictability Rank is 3.5-Stars. FinecoBank SpA's intrinsic value calculated from the Discounted Earnings model is €25.13 and current share price is €22.47. Consequently,

FinecoBank SpA's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 10.58%.

FinecoBank SpA Margin of Safety % (DCF Earnings Based) Competitor Comparison

For the Banks - Regional subindustry, FinecoBank SpA's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, FinecoBank SpA's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where FinecoBank SpA's Margin of Safety % (DCF Earnings Based) falls into.


MIL:FBK
76GF Score
FinecoBank SpA MIL:FBK
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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FinecoBank SpA Margin of Safety % (DCF Earnings Based) Calculation

FinecoBank SpA's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(25.13-22.47)/25.13
=10.58 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 10.58% mean?
FinecoBank SpA (MIL:FBK) has a Margin of Safety % (DCF Earnings Based) of 10.58% as of Jun. 25, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on FinecoBank SpA.
Is FinecoBank SpA's Margin of Safety % (DCF Earnings Based) too high?
FinecoBank SpA's current Margin of Safety % (DCF Earnings Based) is 10.58%. Overall, FinecoBank SpA has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FinecoBank SpA's Margin of Safety % (DCF Earnings Based) compare to competitors?
FinecoBank SpA's Margin of Safety % (DCF Earnings Based) of 10.58% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on FinecoBank SpA. FinecoBank SpA's current Margin of Safety % (DCF Earnings Based) is 10.58%. 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 (MIL:FBK) is currently considered Significantly Overvalued. The stock's GF Value™ is €17.20, compared to a current price of €22.47 — trading 30.6% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 10.58%. FinecoBank SpA's overall GF Score™ is 76/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For FinecoBank SpA (MIL:FBK), the current Margin of Safety % (DCF Earnings Based) is 10.58% as of Jun. 25, 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 (MIL:FBK) Overvalued in 2026?

Based on GuruFocus' analysis, FinecoBank SpA stock appears to be overvalued. The current stock price of €22.47 is trading 30.6% above its estimated GF Value™ of €17.20. GuruFocus considers FinecoBank SpA to be Significantly Overvalued.

Key valuation signals for MIL:FBK:

  • Margin of Safety % (DCF Earnings Based): 10.58%
  • GF Value™: €17.20 vs. price of €22.47 (30.6% above fair value)
  • GF Score™: 76/100 with 7 warning signs

No single metric tells the full story. See the MIL:FBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

FinecoBank SpA Business Description

Address Piazza Durante, 11, Milan, ITA, 20131
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.
76GF Score

Get the complete analysis for MIL:FBK

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€22.47
Price
€17.20
GF Value