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FinecoBank Banca Fineco
FinecoBank Banca Fineco (FBK) investor relations material
FinecoBank Banca Fineco Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary6 Feb, 2026
Executive summary
Net profit for 2025 was €647.0 million, nearly flat year-over-year (-0.8%), with revenues stable at €1,316.5 million, supported by strong non-financial income growth in Investing (+10% y/y) and Brokerage (+23% y/y), offsetting lower interest rates.
Record new client acquisitions for the third consecutive year, reaching 194,000 (+27% y/y), with January 2026 seeing a record 22,010 new clients (+17.2% y/y).
Net sales hit a record €13.4 billion (+33% y/y), with AUM at €74.0 billion (+11.5% y/y), AUC at €54.9 billion (+22.7% y/y), and direct deposits at €31.7 billion (+6.8% y/y).
Business model leverages diversified, recurring revenue streams with a focus on efficiency, transparency, and convenience.
January 2026 net sales were €1.1 billion (+21% y/y), with estimated brokerage revenues of €22 million (+7% y/y).
Financial highlights
Net Financial Income declined 11% y/y to €633.1 million due to lower interest rates, while Net Non Financial Income rose 13% y/y to €684.7 million, driven by Investing and Brokerage.
Operating costs increased by 7.3% y/y to €356.3 million, mainly due to business growth-related expenses.
Cost/income ratio was 27.1%, reflecting strong operating leverage and efficiency.
Dividend per share proposed at €0.79 (+7% y/y).
Gross operating profit was €960.2 million, and profit before taxes was €935.5 million.
Outlook and guidance
All business areas are expected to contribute to revenue growth in 2026, with further acceleration in net sales and new client acquisition.
Cost/income ratio is expected to remain comfortably below 30%.
More details on the multi-year plan to be provided at Capital Markets Day in March 2026.
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Next FinecoBank Banca Fineco earnings date
CMD 20264 Mar, 2026
FinecoBank Banca Fineco
Next FinecoBank Banca Fineco earnings date
CMD 20264 Mar, 2026
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Frequently asked questions
FinecoBank Banca Fineco S.p.A. provides banking, investment, and trading services through a digital platform. The company offers current accounts, brokerage, asset management, and lending products primarily to retail clients in Italy. It operates with a direct banking model supported by financial advisors. The company is headquartered in Milan, Italy, and its shares are listed on the BIT.
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