FinecoBank SpAMIL:FBK -1.01%76 Net Margin % is 35.42% as of Dec. 2025, which is 8% below its 10-year median of 38.51. 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. Among 1,526 Banks companies, FinecoBank SpA ranks better than 86.3% on this metric.
Net margin is calculated as Net Income divided by its Revenue. FinecoBank SpA's Net Income for the
three
months ended in Dec. 2025 was €167 Mil. FinecoBank SpA's Revenue for the
three
months ended in Dec. 2025 was €470 Mil. Therefore, FinecoBank SpA's net margin for the quarter that ended in Dec. 2025 was 35.42%.
The historical rank and industry rank for FinecoBank SpA's Net Margin % or its related term are showing as below:
MIL:FBK'
s Net Margin % Range Over the Past 10 Years
Min: 31.97 Med: 38.51 Max: 43.37
Current: 41.16
MIL:FBK's Net Margin % is ranked better than 86.3% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs MIL:FBK: 41.16
FinecoBank SpA (MIL:FBK) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
FinecoBank SpA Net Margin % Related Terms
FinecoBank SpA Net Margin % Historical Data
* Premium members only.
The historical data trend for FinecoBank SpA's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, FinecoBank SpA's Net Margin % distribution charts can be found below:
* The bar in red indicates where FinecoBank SpA's Net Margin % 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 (MIL:FBK) has a Net Margin % of 35.42% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on FinecoBank SpA and its competitors. This is near median its historical median of 38.51. Over the past decade, FinecoBank SpA's Net Margin % has ranged from 31.97 to 43.37. According to the industry distribution chart, FinecoBank SpA ranks #209 out of 1526 companies in the Banks industry, placing it in the top 13.7%.
Is FinecoBank SpA's Net Margin % too high?
FinecoBank SpA's current Net Margin % of 35.42% is near median its 10-year median of 38.51. Over the past 10 years, this metric has ranged from a low of 31.97 to a high of 43.37. The Banks industry median Net Margin % is 26.97. FinecoBank SpA's value of 35.42% is 31.3% above this industry median. Based on the distribution chart, FinecoBank SpA ranks #209 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Net Margin % compare to competitors?
According to the Banks industry distribution chart, FinecoBank SpA ranks #209 out of 1526 companies for Net Margin %. This places FinecoBank SpA in the top 14% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.97. FinecoBank SpA's value of 35.42% is 31.3% above this benchmark. Historically, FinecoBank SpA's own Net Margin % has ranged from 31.97 to 43.37 over the past decade. While the company's 10-year median is 38.51 vs. the industry median of 26.97, FinecoBank SpA has consistently been above 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinecoBank SpA's current Net Margin % of 35.42% is 31.3% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on FinecoBank SpA and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinecoBank SpA's current Net Margin % is 35.42%, which is near median its own 10-year median of 38.51. 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 Net Margin % is 35.42%, which is near median its 10-year median of 38.51 and 31.3% above the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For FinecoBank SpA (MIL:FBK), the current Net Margin % is 35.42% as of Dec. 2025. 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:
Net Margin %: 35.42% (near median its 10-year median of 38.51)
GF Value™: €17.20 vs. price of €22.47 (30.6% above fair value)
Industry Position: 31.3% above the Banks median (#209 of 1526)
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 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
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