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FinecoBank SpAFCBBF 79 Forward Rate of Return (Yacktman) % is 11.87% as of Dec. 2025, which is 602% above its 10-year median of 1.69. GuruFocus rates FCBBF with a GF Scoreâ„¢ of 79/100 and a GF Valueâ„¢ of $19.28 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 1,416 Banks companies, FinecoBank SpA ranks worse than 62.64% on this metric.
Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. FinecoBank SpA's forward rate of return for was 11.87%.
The historical rank and industry rank for FinecoBank SpA's Forward Rate of Return (Yacktman) % or its related term are showing as below:
FCBBF'
s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -14.8 Med: 1.69 Max: 12.68
Current: 12.68
During the past 13 years, FinecoBank SpA's highest Forward Rate of Return was 12.68. The lowest was -14.80. And the median was 1.69.
FCBBF's Forward Rate of Return (Yacktman) % is ranked worse than 62.64% of 1416
companies
in the Banks industry
Industry Median: 15.53
vs FCBBF: 12.68
Unlike the Earnings Yield %, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
FinecoBank SpA (OTCPK:FCBBF) Forward Rate of Return (Yacktman) % Explanation
Unlike the Earnings Yield, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of Book Value per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over five years. The reason we use five years is to make it comparable to the growth rate.
Be Aware
In the Forward Rate of Return calculation, the growth rate is added directly to today's free cash flow yield. Therefore the calculation is reliable only if the company can grow at the same rate in the future as it did in the past. Investors should pay close attention to this when researching growth stocks. A more accurate measurement for return is Return on Capital.
FinecoBank SpA Forward Rate of Return (Yacktman) % Related Terms
FinecoBank SpA Forward Rate of Return (Yacktman) % Historical Data
* Premium members only.
The historical data trend for FinecoBank SpA's Forward Rate of Return (Yacktman) % 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.
FinecoBank SpA Forward Rate of Return (Yacktman) % Chart
FinecoBank SpA Forward Rate of Return (Yacktman) % Competitor Comparison
For the Banks - Regional subindustry, FinecoBank SpA's Forward Rate of Return (Yacktman) %, along with its competitors' market caps and Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % vs Banks Industry
For the Banks industry and Financial Services sector, FinecoBank SpA's Forward Rate of Return (Yacktman) % distribution charts can be found below:
* The bar in red indicates where FinecoBank SpA's Forward Rate of Return (Yacktman) % falls into.
FinecoBank SpA Forward Rate of Return (Yacktman) % Calculation
Forward Rate of Return is a concept that Don Yacktman uses in his investment approach. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. He said in the interview (March 2012, when the S&P 500 was at about 1400):
If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.
The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).
* 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.
What does a Forward Rate of Return (Yacktman) % of 11.87% mean?
FinecoBank SpA (FCBBF) has a Forward Rate of Return (Yacktman) % of 11.87% as of Dec. 2025. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on FinecoBank SpA and its competitors. This is 602% above median its historical median of 1.69. According to the industry distribution chart, FinecoBank SpA ranks #887 out of 1416 companies in the Banks industry, placing it in the top 62.6%.
Is FinecoBank SpA's Forward Rate of Return (Yacktman) % too high?
FinecoBank SpA's current Forward Rate of Return (Yacktman) % of 11.87% is 602% above median its 10-year median of 1.69. The Banks industry median Forward Rate of Return (Yacktman) % is 15.53. FinecoBank SpA's value of 11.87% is 23.6% below this industry median. Based on the distribution chart, FinecoBank SpA ranks #887 out of 1416 companies in the Banks industry, which is below the industry midpoint. Overall, FinecoBank SpA has a GF Scoreâ„¢ of 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FinecoBank SpA's Forward Rate of Return (Yacktman) % compare to competitors?
According to the Banks industry distribution chart, FinecoBank SpA ranks #887 out of 1416 companies for Forward Rate of Return (Yacktman) %. This places FinecoBank SpA in the lower half of its industry. The industry median Forward Rate of Return (Yacktman) % is 15.53. FinecoBank SpA's value of 11.87% is 23.6% below this benchmark. While the company's 10-year median is 1.69 vs. the industry median of 15.53, 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 Forward Rate of Return (Yacktman) % for a Banks company?
The median Forward Rate of Return (Yacktman) % among Banks companies is 15.53, based on 1,416 companies in the industry. Companies in the top quartile (top 25%) have a Forward Rate of Return (Yacktman) % significantly above this median, while those in the bottom quartile fall well below. However, Forward Rate of Return (Yacktman) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinecoBank SpA's current Forward Rate of Return (Yacktman) % of 11.87% is 23.6% 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 Forward Rate of Return (Yacktman) % mean?
A high Forward Rate of Return (Yacktman) % can signal that a stock is expensive relative to its fundamentals. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on FinecoBank SpA and its competitors. For the Banks industry, the median Forward Rate of Return (Yacktman) % is 15.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinecoBank SpA's current Forward Rate of Return (Yacktman) % is 11.87%, which is 602% above median its own 10-year median of 1.69. 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 $19.28, compared to a current price of $25.63 — trading 32.9% above its estimated fair value. The current Forward Rate of Return (Yacktman) % is 11.87%, which is 602% above median its 10-year median of 1.69 and 23.6% below the Banks industry median of 15.53. FinecoBank SpA's overall GF Score™ is 79/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward Rate of Return (Yacktman) % calculated?
Forward Rate of Return (Yacktman) % is calculated from a company's financial statements. For FinecoBank SpA (FCBBF), the current Forward Rate of Return (Yacktman) % is 11.87% 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 (FCBBF) Overvalued in 2026?
Based on GuruFocus' analysis, FinecoBank SpA stock appears to be overvalued.
The current stock price of $25.63 is trading 32.9% above its estimated GF Value™ of $19.28.
GuruFocus considers FinecoBank SpA to be Significantly Overvalued.
Key valuation signals for FCBBF:
Forward Rate of Return (Yacktman) %: 11.87% (602% above median its 10-year median of 1.69)
GF Value™: $19.28 vs. price of $25.63 (32.9% above fair value)
Industry Position: 23.6% below the Banks median (#887 of 1416)
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.
79GF Score
Get the complete analysis for FCBBF
Forward Rate of Return (Yacktman) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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