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FinecoBank SpAFCBBF 79 Return-on-Tangible-Asset is 1.81% as of Dec. 2025, which is 60% above its 10-year median of 1.13. GuruFocus rates FCBBF with a GF Score™ of 79/100 and a GF Value™ of $19.18 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,529 Banks companies, FinecoBank SpA ranks better than 85.35% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. FinecoBank SpA's annualizedNet Income for the quarter that ended in Dec. 2025 was $780 Mil. FinecoBank SpA's average total tangible assets for the quarter that ended in Dec. 2025 was $43,038 Mil. Therefore, FinecoBank SpA's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 1.81%.
The historical rank and industry rank for FinecoBank SpA's Return-on-Tangible-Asset or its related term are showing as below:
FCBBF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.99 Med: 1.13 Max: 1.93
Current: 1.79
During the past 13 years, FinecoBank SpA's highest Return-on-Tangible-Asset was 1.93%. The lowest was 0.99%. And the median was 1.13%.
FCBBF's Return-on-Tangible-Asset is ranked better than 85.35% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs FCBBF: 1.79
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
FinecoBank SpA Return-on-Tangible-Asset Related Terms
FinecoBank SpA Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for FinecoBank SpA's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, FinecoBank SpA's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where FinecoBank SpA's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 1.81% mean?
FinecoBank SpA (FCBBF) has a Return-on-Tangible-Asset of 1.81% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on FinecoBank SpA and its competitors. This is 60% above median its historical median of 1.13. Over the past decade, FinecoBank SpA's Return-on-Tangible-Asset has ranged from 0.99 to 1.93. According to the industry distribution chart, FinecoBank SpA ranks #224 out of 1529 companies in the Banks industry, placing it in the top 14.7%.
Is FinecoBank SpA's Return-on-Tangible-Asset too high?
FinecoBank SpA's current Return-on-Tangible-Asset of 1.81% is 60% above median its 10-year median of 1.13. Over the past 10 years, this metric has ranged from a low of 0.99 to a high of 1.93. The Banks industry median Return-on-Tangible-Asset is 0.99. FinecoBank SpA's value of 1.81% is 82.8% above this industry median. Based on the distribution chart, FinecoBank SpA ranks #224 out of 1529 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 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FinecoBank SpA's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, FinecoBank SpA ranks #224 out of 1529 companies for Return-on-Tangible-Asset. This places FinecoBank SpA in the top 15% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. FinecoBank SpA's value of 1.81% is 82.8% above this benchmark. Historically, FinecoBank SpA's own Return-on-Tangible-Asset has ranged from 0.99 to 1.93 over the past decade. While the company's 10-year median is 1.13 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinecoBank SpA's current Return-on-Tangible-Asset of 1.81% is 82.8% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on FinecoBank SpA and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinecoBank SpA's current Return-on-Tangible-Asset is 1.81%, which is 60% above median its own 10-year median of 1.13. 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 $19.18, compared to a current price of $25.63 — trading 33.6% above its estimated fair value. The current Return-on-Tangible-Asset is 1.81%, which is 60% above median its 10-year median of 1.13 and 82.8% above the Banks industry median of 0.99. FinecoBank SpA's overall GF Score™ is 79/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For FinecoBank SpA (FCBBF), the current Return-on-Tangible-Asset is 1.81% 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 33.6% above its estimated GF Value™ of $19.18.
GuruFocus considers FinecoBank SpA to be Significantly Overvalued.
Key valuation signals for FCBBF:
Return-on-Tangible-Asset: 1.81% (60% above median its 10-year median of 1.13)
GF Value™: $19.18 vs. price of $25.63 (33.6% above fair value)
Industry Position: 82.8% above the Banks median (#224 of 1529)
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
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