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FRA/ZS3 (FRA/ZS3)

Frankfurt Stock Exchange: FRA/ZS3 · EUR

€23.8

-0.01 (-0.0%)· Recorded snapshot

Coverage state: Market snapshot only — no published research

Market snapshot recorded 2026-07-29 02:00 UTC. No published research is attached to this ticker. Prices and fundamentals on this server-rendered page are dated snapshots, not a real-time trading feed.

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Market cap	14.6B
Revenue (ttm)	1.3B
Net income (ttm)	645M
EPS (ttm)	€1.05
P/E (trailing)	22.6x
P/E (forward)	20.8x
Dividend	€0.79 (3.35%)

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 1.3B
Net income (ttm): 645M
EPS (ttm): €1.05
P/E (trailing): 22.6x
P/E (forward): 20.8x
Market cap: 14.6B

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Market & fundamental data

Available fields

169

Groups with data

Currency

EUR

Showing 169 of 169 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	1,524
Employees Change	50%
Employees Change Percent	3.39
Exchange	Frankfurt Stock Exchange
Financial currency	EUR
First seen	2026-05-10
Industry	Commercial Banks
Last refreshed	2026-07-29
Market cap	EUR 14.6B
Price	EUR 23.75
Price currency	EUR
Rev Per Employee	868,453.41x
Sic	6020
Symbol	fra/ZS3
Website	https://it.finecobank.com

Valuation

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

Metric	Value
Earnings Yield	4.43%
FCF yield	2.9%
Forward P/E	20.84x
P/B ratio	5.39x
P/E ratio	22.59x
P/S ratio	11.01x
PE Ratio10 Y	20.22x
PE Ratio3 Y	15.75x
PE Ratio5 Y	18.21x

Profitability

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

Metric	Value
FCF margin	32.22%
Gross Profit	EUR 1.3B
Net Income	EUR 645M
Net Income Growth	-3.65%
Net Income Growth Q	-1.22%
Net Income Growth3 Y	12.56%
Net Income Growth5 Y	14.56%
Pretax Margin	71.04%
Profit Margin	48.74%
Profit Per Employee	EUR 423,255
ROA	1.8
Roa5y	1.57
ROE	24.6
Roe5y	26.04

Growth

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

Metric	Value
Cagr10y	19.46%
Cagr1y	32.84%
Cagr3y	25.06%
Cagr5y	15.72%
Div CAGR10	11.97%
Div CAGR3	17.26%
Div CAGR5	8.31%
FCF Growth	197.86%
FCF Growth3 Y	17.53%
FCF Growth5 Y	-16.66%
OCF Growth	181.68%
OCF Growth3 Y	17.49%
OCF Growth5 Y	-16.44%
Revenue Growth	0.76x
Revenue Growth Q	4.17x
Revenue Growth3 Y	10.32x
Revenue Growth5 Y	11.17x

Financial strength

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

Metric	Value
Assets	EUR 37.4B
Cash	EUR 2.3B
Debt	EUR 839.1M
Debt FCF	EUR 1.99
Equity	EUR 2.7B
Liabilities	EUR 34.7B
Net Cash	EUR 1.5B
Net Cash By Market Cap	EUR 10.24
Net Cash Growth	0.92%
Net Debt Equity	EUR -0.55
Net Debt FCF	EUR -3.53
Tangible Book Value	EUR 2.6B
Tangible Book Value Per Share	EUR 4.22

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	EUR -30.4B

Dividends and buybacks

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

Metric	Value
Dividend Growth	6.76%
Dividend Growth Years	3%
Dividend per share	EUR 0.79
Dividend Years	6
Dividend Yield	3.35%
Ex Div Date	2026-05-18
Last Dividend	EUR 0.79
Payout Frequency	Annual

Performance and technicals

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

Metric	Value
10Y total return	491.64%
1Y total return	32.81%
200-day SMA	20.94
3Y total return	95.6%
50-day SMA	21.99
50-day SMA vs 200-day SMA	50over200
5Y total return	107.5%
All Time High	23.76
All Time High Change	0%
All Time High Date	2026-07-27
All Time Low	3.71
All Time Low Change	540.43%
All Time Low Date	2014-08-13
ATR	0.25
Ch YTD	8.15
High	23.75
High52	23.76
High52 Date	2026-07-27
High52ch	-0.04%
Low	23.75
Low52	17.78
Low52 Date	2026-03-23
Low52ch	33.62%
Ma50ch	8.05%
Price vs 200-day SMA	13.45%
RSI	66.05
RSI Monthly	68.78
RSI Weekly	65.3
Sharpe ratio	1.04x
Sortino ratio	1.87
Total Return	3.35%
Tr YTD	12.32
Tr1m	8.64%
Tr1w	3.3%
Tr3m	15.42%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 948.9M
Operating margin	71.69

Ownership and float

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

Metric	Value
Float	611,456,984%
Shares Institutions	67.81%
Shares Qo Q	0%

Other indicators

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

Metric	Value
Average Volume	2.5x
Bv Per Share	4.42
CAPEX	EUR -14.3M
Ch10y	327.3
Ch1m	8.64
Ch1w	3.3
Ch1y	27.88
Ch3m	11.13
Ch3y	72.93
Ch5y	65.58
Ch6m	9.14
Change	-0.04%
Change From Open	0
Close	23.76
Days Gap	-0.04
Earnings Date	2026-07-30
EPS	EUR 1.05
F Score	3
FCF	EUR 422.1M
Financing CF	-489,051,000
Fiscal Year End	December
Founded	1,999
Goodwill	89,602,000
Graham Number	10.21081
Graham Upside	-57.03
Income Tax	EUR 295.2M
Investing CF	-17,403,000
Is Primary Listing	0
Last Earnings Date	2026-05-07
Last Report Date	2026-03-31
Lynch Fair Value	EUR 15.32
Lynch Upside	-35.54
Ma150	21.21
Ma150ch	12.01%
Ma20	22.83
Ma20ch	4.09%
Net CF	-88,317,000
Next Earnings Date	2026-07-30
Open	23.75
P FCF Ratio	34.52
P OCF Ratio	33.39
Payment Date	2026-05-20
Ppne	151,948,000
Price Date	2026-07-28
Ptbv Ratio	5.65
Relative Volume	20x
Revenue	1,323,523,000x
Tax By Revenue	22.3x
Tax Rate	31.39%
Tr6m	13.35%

FRA/ZS3 (FRA/ZS3)

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