FNBKY (FinecoBank SpA) ROE % Adjusted to Book Value: 5.12% (As of Dec. 2025)


FNBKY FinecoBank SpA FNBKY
73 GF Score
Price $50.99
GF Value $40.36
Valuation Modestly Overvalued
! 5 Warning Signs
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What is FinecoBank SpA ROE % Adjusted to Book Value?

FinecoBank SpA FNBKY 73 ROE % Adjusted to Book Value is 5.12% as of Dec. 2025. GuruFocus rates FNBKY with a GF Score™ of 73/100 and a GF Value™ of $40.36 (Modestly Overvalued). The stock has 5 warning signs investors should review.

FinecoBank SpA's ROE % for the quarter that ended in Dec. 2025 was 26.89%. FinecoBank SpA's PB Ratio for the quarter that ended in Dec. 2025 was 5.25. FinecoBank SpA's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 5.12%.


FinecoBank SpA ROE % Adjusted to Book Value Related Terms


FinecoBank SpA ROE % Adjusted to Book Value Historical Data

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The historical data trend for FinecoBank SpA's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

FinecoBank SpA Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.93 4.33 8.22 6.33 5.26

FinecoBank SpA Quarterly Data
Dec20 Mar21 Jun21 Dec21 Mar22 Jun22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.94 4.95 6.07 5.12 5.32

FinecoBank SpA ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, FinecoBank SpA's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, FinecoBank SpA's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where FinecoBank SpA's ROE % Adjusted to Book Value falls into.


FNBKY
73GF Score
FinecoBank SpA FNBKY
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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FinecoBank SpA ROE % Adjusted to Book Value Calculation

FinecoBank SpA's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=27.59% / 5.25
=5.26%

FinecoBank SpA's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=26.89% / 5.25
=5.12%

* 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 ROE % Adjusted to Book Value of 5.12% mean?
FinecoBank SpA (FNBKY) has a ROE % Adjusted to Book Value of 5.12% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on FinecoBank SpA and its competitors.
Is FinecoBank SpA's ROE % Adjusted to Book Value too high?
FinecoBank SpA's current ROE % Adjusted to Book Value is 5.12%. Overall, FinecoBank SpA has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FinecoBank SpA's ROE % Adjusted to Book Value compare to competitors?
FinecoBank SpA's ROE % Adjusted to Book Value of 5.12% 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 ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on FinecoBank SpA and its competitors. FinecoBank SpA's current ROE % Adjusted to Book Value is 5.12%. 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 (FNBKY) is currently considered Modestly Overvalued. The stock's GF Value™ is $40.36, compared to a current price of $50.99 — trading 26.3% above its estimated fair value. The current ROE % Adjusted to Book Value is 5.12%. FinecoBank SpA's overall GF Score™ is 73/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For FinecoBank SpA (FNBKY), the current ROE % Adjusted to Book Value is 5.12% 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 (FNBKY) Overvalued in 2026?

Based on GuruFocus' analysis, FinecoBank SpA stock appears to be overvalued. The current stock price of $50.99 is trading 26.3% above its estimated GF Value™ of $40.36. GuruFocus considers FinecoBank SpA to be Modestly Overvalued.

Key valuation signals for FNBKY:

  • ROE % Adjusted to Book Value: 5.12%
  • GF Value™: $40.36 vs. price of $50.99 (26.3% above fair value)
  • GF Score™: 73/100 with 5 warning signs

No single metric tells the full story. See the FNBKY 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.
73GF Score

Get the complete analysis for FNBKY

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$50.99
Price
$40.36
GF Value