FinecoBank SpAFNBKY 69 ROE % is 26.89% as of Dec. 2025, which is 1% below its 10-year median of 27.22. GuruFocus rates FNBKY with a GF Score™ of 69/100 and a GF Value™ of $39.73 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,524 Banks companies, FinecoBank SpA ranks better than 96.13% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. FinecoBank SpA's annualized net income for the quarter that ended in Dec. 2025 was $780 Mil. FinecoBank SpA's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was $2,900 Mil. Therefore, FinecoBank SpA's annualized ROE % for the quarter that ended in Dec. 2025 was 26.89%.
The historical rank and industry rank for FinecoBank SpA's ROE % or its related term are showing as below:
FNBKY'
s ROE % Range Over the Past 10 Years
Min: 21.08 Med: 27.22 Max: 32.24
Current: 25.93
During the past 13 years, FinecoBank SpA's highest ROE % was 32.24%. The lowest was 21.08%. And the median was 27.22%.
FNBKY's ROE % is ranked better than 96.13% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs FNBKY: 25.93
FinecoBank SpA (OTCPK:FNBKY) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
FinecoBank SpA ROE % Related Terms
FinecoBank SpA ROE % Historical Data
* Premium members only.
The historical data trend for FinecoBank SpA's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 % vs Banks Industry
For the Banks industry and Financial Services sector, FinecoBank SpA's ROE % distribution charts can be found below:
* The bar in red indicates where FinecoBank SpA's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
FinecoBank SpA (FNBKY) has a ROE % of 26.89% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on FinecoBank SpA and its competitors. This is near median its historical median of 27.22. Over the past decade, FinecoBank SpA's ROE % has ranged from 21.08 to 32.24. According to the industry distribution chart, FinecoBank SpA ranks #59 out of 1524 companies in the Banks industry, placing it in the top 3.9%.
Is FinecoBank SpA's ROE % too high?
FinecoBank SpA's current ROE % of 26.89% is near median its 10-year median of 27.22. Over the past 10 years, this metric has ranged from a low of 21.08 to a high of 32.24. The Banks industry median ROE % is 10.22. FinecoBank SpA's value of 26.89% is 163.1% above this industry median. Based on the distribution chart, FinecoBank SpA ranks #59 out of 1524 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 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FinecoBank SpA's ROE % compare to competitors?
According to the Banks industry distribution chart, FinecoBank SpA ranks #59 out of 1524 companies for ROE %. This places FinecoBank SpA in the top 4% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. FinecoBank SpA's value of 26.89% is 163.1% above this benchmark. Historically, FinecoBank SpA's own ROE % has ranged from 21.08 to 32.24 over the past decade. While the company's 10-year median is 27.22 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinecoBank SpA's current ROE % of 26.89% is 163.1% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on FinecoBank SpA and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinecoBank SpA's current ROE % is 26.89%, which is near median its own 10-year median of 27.22. 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 $39.73, compared to a current price of $50.99 — trading 28.3% above its estimated fair value. The current ROE % is 26.89%, which is near median its 10-year median of 27.22 and 163.1% above the Banks industry median of 10.22. FinecoBank SpA's overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For FinecoBank SpA (FNBKY), the current ROE % is 26.89% 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 28.3% above its estimated GF Value™ of $39.73.
GuruFocus considers FinecoBank SpA to be Modestly Overvalued.
Key valuation signals for FNBKY:
ROE %: 26.89% (near median its 10-year median of 27.22)
GF Value™: $39.73 vs. price of $50.99 (28.3% above fair value)
Industry Position: 163.1% above the Banks median (#59 of 1524)
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 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.
69GF Score
Get the complete analysis for FNBKY
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FNBKY has been successfully added to your 
