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ETR/ZS3 (ETR/ZS3)

Deutsche Börse Xetra: ETR/ZS3 · EUR

€23.4

+0.00 (0.0%)· Recorded snapshot

Market cap	14.3B
Revenue (ttm)	1.4B
Net income (ttm)	669.6M
EPS (ttm)	€1.09
P/E (trailing)	21.4x
P/E (forward)	19.4x
Dividend	€0.79 (3.37%)
Volume	700

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 1.4B
Net income (ttm): 669.6M
EPS (ttm): €1.09
P/E (trailing): 21.4x
P/E (forward): 19.4x
Market cap: 14.3B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

All ETR/ZS3 indicators

Market & fundamental data

Available fields

154

Groups with data

Currency

EUR

Showing 154 of 154 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Italy
Country code	DE
Employees	1,388
Employees Change	-38%
Employees Change Percent	-2.58
Exchange	Deutsche Börse Xetra
Financial currency	EUR
First seen	2026-05-10
Industry	Commercial Banks
Last refreshed	2026-09-05
Market cap	EUR 14.3B
Price	EUR 23.43
Price currency	EUR
Rev Per Employee	994,210.37x
Sic	6020
Symbol	etr/ZS3
Website	https://it.finecobank.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	4.68%
FCF yield	5.19%
Forward P/E	19.42x
P/B ratio	5.97x
P/E ratio	21.35x
P/S ratio	10.36x
PE Ratio10 Y	20.31x
PE Ratio3 Y	16.21x
PE Ratio5 Y	17.97x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	53.78%
Gross Profit	EUR 1.4B
Net Income	EUR 669.6M
Net Income Growth	3.04%
Net Income Growth Q	15.97%
Net Income Growth Qo Q	9.86%
Net Income Growth3 Y	9.14%
Net Income Growth5 Y	13.21%
Pretax Margin	70.97%
Profit Margin	48.52%
Profit Per Employee	EUR 482,400
ROA	1.81
Roa5y	1.57
ROE	28.85
Roe5y	26.04

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS Growth	2.96
EPS Growth Q	15.91
EPS Growth3 Y	9.19
EPS Growth5 Y	13.16
FCF Growth3 Y	34.39%
FCF Growth5 Y	1.64%
OCF Growth3 Y	34.25%
OCF Growth5 Y	1.52%
Revenue Growth	6.33x
Revenue Growth Q	17.95x
Revenue Growth Qo Q	8.73x
Revenue Growth3 Y	8.7x
Revenue Growth5 Y	12.49x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	EUR 38.7B
Cash	EUR 2.5B
Debt	EUR 2.4B
Debt FCF	EUR 3.21
Equity	EUR 2.4B
Liabilities	EUR 36.3B
Net Cash	EUR 158.7M
Net Cash By Market Cap	EUR 1.11
Net Cash Growth	22.38%
Net Debt Equity	EUR -0.07
Net Debt FCF	EUR -0.21
Tangible Book Value	EUR 2.3B
Tangible Book Value Per Share	EUR 3.72

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	EUR -30.6B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-0.07%
Dividend Growth	0%
Dividend Growth Years	0%
Dividend per share	EUR 0.79
Dividend Years	2
Dividend Yield	3.37%
Ex Div Date	2026-05-18
Last Dividend	EUR 0.79
Payout Frequency	Annual
Payout Ratio	77.63%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
50-day SMA	22.32
All Time High	24.8
All Time High Change	-5.52%
All Time High Date	2026-08-17
All Time Low	18.32
All Time Low Change	27.93%
All Time Low Date	2025-10-06
ATR	0.33
Ch YTD	5.59
High	23.43
High52	24.8
High52 Date	2026-08-17
High52ch	-5.52%
Low	23.42
Low52	18.32
Low52 Date	2025-10-06
Low52ch	27.93%
Ma50ch	5%
RSI	52.26
RSI Monthly	0
RSI Weekly	61.99
Sharpe ratio	1.14x
Sortino ratio	1.8
Total Return	3.3%
Tr YTD	9.65
Tr1m	-0.68%
Tr1w	-0.59%
Tr3m	10.57%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	611,782,566%
Shares Institutions	68.32%
Shares Yo Y	0.07%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	792.25x
Bv Per Share	3.92
CAPEX	EUR -18.9M
Ch1m	-0.68
Ch1w	-0.59
Ch3m	10.57
Ch6m	15.7
Change	0%
Change From Open	0.04
Dollar Volume	16,401
Earnings Date	2026-11-04
EPS	EUR 1.09
F Score	4
FCF	EUR 742.2M
Financing CF	-519,579,000
Fiscal Year End	December
Founded	1,999
Goodwill	89,602,000
Graham Number	9.84658
Graham Upside	-57.97
Income Tax	EUR 309.8M
Investing CF	-22,513,000
Is Primary Listing	0
Last Earnings Date	2026-07-30
Last Report Date	2026-06-30
Lynch Fair Value	EUR 14.49
Lynch Upside	-38.14
Ma20	23.62
Ma20ch	-0.79%
Net CF	224,237,000
Next Earnings Date	2026-11-04
Open	23.42
P FCF Ratio	19.27
P OCF Ratio	18.79
Payment Date	2026-05-20
Position In Range	100
Ppne	152,716,000
Price Date	2026-09-02
Ptbv Ratio	6.29
Relative Volume	0.88x
Revenue	1,379,964,000x
Tax By Revenue	22.45x
Tax Rate	31.63%
Tr6m	20.16%
Volume	700

ETR/ZS3 (ETR/ZS3)

Price

Financial snapshot

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Valuation

Profitability

Trading

Next earnings

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Profile and market data

Valuation

Profitability

Growth

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

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