FINECOBANK SPA (ZS3.DE) Stock Fundamental Analysis

FRA:ZS3 • IT0000072170

20.42 EUR
+0.12 (+0.59%)
Last: Feb 12, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

ZS3 gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 114 industry peers in the Banks industry. ZS3 has a medium profitability rating, but doesn't score so well on its financial health evaluation. ZS3 is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year ZS3 was profitable.
  • In the past year ZS3 has reported a negative cash flow from operations.
  • Each year in the past 5 years ZS3 has been profitable.
  • ZS3 had a positive operating cash flow in 4 of the past 5 years.
ZS3.DE Yearly Net Income VS EBIT VS OCF VS FCFZS3.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B

1.2 Ratios

  • ZS3 has a better Return On Assets (2.78%) than 97.37% of its industry peers.
  • With an excellent Return On Equity value of 43.83%, ZS3 belongs to the best of the industry, outperforming 99.12% of the companies in the same industry.
Industry RankSector Rank
ROA 2.78%
ROE 43.83%
ROIC N/A
ROA(3y)1.63%
ROA(5y)1.41%
ROE(3y)25.83%
ROE(5y)23.74%
ROIC(3y)N/A
ROIC(5y)N/A
ZS3.DE Yearly ROA, ROE, ROICZS3.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

  • The Profit Margin of ZS3 (39.56%) is better than 89.47% of its industry peers.
  • In the last couple of years the Profit Margin of ZS3 has grown nicely.
  • ZS3 does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 39.56%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.75%
PM growth 5Y3.63%
GM growth 3YN/A
GM growth 5YN/A
ZS3.DE Yearly Profit, Operating, Gross MarginsZS3.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • ZS3 does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, ZS3 has about the same amount of shares outstanding.
  • ZS3 has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for ZS3 has been reduced compared to a year ago.
ZS3.DE Yearly Shares OutstandingZS3.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
ZS3.DE Yearly Total Debt VS Total AssetsZS3.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

  • A Debt/Equity ratio of 1.03 is on the high side and indicates that ZS3 has dependencies on debt financing.
  • With a decent Debt to Equity ratio value of 1.03, ZS3 is doing good in the industry, outperforming 68.42% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.03
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.54%
ZS3.DE Yearly LT Debt VS Equity VS FCFZS3.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ZS3.DE Yearly Current Assets VS Current LiabilitesZS3.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • ZS3 shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.71%.
  • Measured over the past years, ZS3 shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.65% on average per year.
  • Looking at the last year, ZS3 shows a small growth in Revenue. The Revenue has grown by 2.49% in the last year.
  • Measured over the past years, ZS3 shows a quite strong growth in Revenue. The Revenue has been growing by 13.61% on average per year.
EPS 1Y (TTM)3.71%
EPS 3Y19.56%
EPS 5Y17.65%
EPS Q2Q%-4.25%
Revenue 1Y (TTM)2.49%
Revenue growth 3Y14.23%
Revenue growth 5Y13.61%
Sales Q2Q%-0.44%

3.2 Future

  • ZS3 is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.08% yearly.
  • The Revenue is expected to grow by 5.90% on average over the next years.
EPS Next Y-3.5%
EPS Next 2Y1.28%
EPS Next 3Y3.63%
EPS Next 5Y6.08%
Revenue Next Year-0.38%
Revenue Next 2Y2.83%
Revenue Next 3Y4.34%
Revenue Next 5Y5.9%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
ZS3.DE Yearly Revenue VS EstimatesZS3.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 500M 1B 1.5B
ZS3.DE Yearly EPS VS EstimatesZS3.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.5 1

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1

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 19.08, which indicates a rather expensive current valuation of ZS3.
  • 91.23% of the companies in the same industry are cheaper than ZS3, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.67, ZS3 is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 18.66, the valuation of ZS3 can be described as rather expensive.
  • Based on the Price/Forward Earnings ratio, ZS3 is valued more expensive than 82.46% of the companies in the same industry.
  • ZS3's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.69.
Industry RankSector Rank
PE 19.08
Fwd PE 18.66
ZS3.DE Price Earnings VS Forward Price EarningsZS3.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ZS3.DE Per share dataZS3.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3 4

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.08
EPS Next 2Y1.28%
EPS Next 3Y3.63%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • ZS3 has a Yearly Dividend Yield of 3.37%. Purely for dividend investing, there may be better candidates out there.
  • ZS3's Dividend Yield is comparable with the industry average which is at 4.12.
  • Compared to an average S&P500 Dividend Yield of 1.80, ZS3 pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.37%

5.2 History

  • The dividend of ZS3 is nicely growing with an annual growth rate of 17.06%!
Dividend Growth(5Y)17.06%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • ZS3 pays out 49.15% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of ZS3 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP49.15%
EPS Next 2Y1.28%
EPS Next 3Y3.63%
ZS3.DE Yearly Income VS Free CF VS DividendZS3.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B
ZS3.DE Dividend Payout.ZS3.DE Dividend Payout, showing the Payout Ratio.ZS3.DE Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

FINECOBANK SPA

FRA:ZS3 (2/12/2026, 7:00:00 PM)

20.42

+0.12 (+0.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)05-04
Inst Owners78.56%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap12.49B
Revenue(TTM)2.49B
Net Income(TTM)983.67M
Analysts80
Price Target24.54 (20.18%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.37%
Yearly Dividend0.74
Dividend Growth(5Y)17.06%
DP49.15%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.07%
Min EPS beat(2)-0.99%
Max EPS beat(2)3.14%
EPS beat(4)3
Avg EPS beat(4)2.41%
Min EPS beat(4)-0.99%
Max EPS beat(4)5.08%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)0.54%
Min Revenue beat(2)0.21%
Max Revenue beat(2)0.86%
Revenue beat(4)4
Avg Revenue beat(4)45.1%
Min Revenue beat(4)0.21%
Max Revenue beat(4)177.71%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)4.18%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.26%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 19.08
Fwd PE 18.66
P/S 5.02
P/FCF N/A
P/OCF N/A
P/B 5.56
P/tB 5.89
EV/EBITDA N/A
EPS(TTM)1.07
EY5.24%
EPS(NY)1.09
Fwd EY5.36%
FCF(TTM)-0.99
FCFYN/A
OCF(TTM)-0.95
OCFYN/A
SpS4.07
BVpS3.67
TBVpS3.47
PEG (NY)N/A
PEG (5Y)1.08
Graham Number9.4
Profitability
Industry RankSector Rank
ROA 2.78%
ROE 43.83%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 39.56%
GM N/A
FCFM N/A
ROA(3y)1.63%
ROA(5y)1.41%
ROE(3y)25.83%
ROE(5y)23.74%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.75%
PM growth 5Y3.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 1.03
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 86.18%
Cap/Sales 0.92%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC7.54%
ROIC/WACCN/A
Cap/Depr(3y)59.81%
Cap/Depr(5y)70.1%
Cap/Sales(3y)0.97%
Cap/Sales(5y)1.36%
Profit Quality(3y)88.26%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)3.71%
EPS 3Y19.56%
EPS 5Y17.65%
EPS Q2Q%-4.25%
EPS Next Y-3.5%
EPS Next 2Y1.28%
EPS Next 3Y3.63%
EPS Next 5Y6.08%
Revenue 1Y (TTM)2.49%
Revenue growth 3Y14.23%
Revenue growth 5Y13.61%
Sales Q2Q%-0.44%
Revenue Next Year-0.38%
Revenue Next 2Y2.83%
Revenue Next 3Y4.34%
Revenue Next 5Y5.9%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-2.66%
EBIT Next 3Y4.75%
EBIT Next 5YN/A
FCF growth 1Y-300.96%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-285.13%
OCF growth 3YN/A
OCF growth 5YN/A

FINECOBANK SPA / ZS3.DE FAQ

What is the ChartMill fundamental rating of FINECOBANK SPA (ZS3.DE) stock?

ChartMill assigns a fundamental rating of 3 / 10 to ZS3.DE.


What is the valuation status of FINECOBANK SPA (ZS3.DE) stock?

ChartMill assigns a valuation rating of 1 / 10 to FINECOBANK SPA (ZS3.DE). This can be considered as Overvalued.


How profitable is FINECOBANK SPA (ZS3.DE) stock?

FINECOBANK SPA (ZS3.DE) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for ZS3 stock?

The Price/Earnings (PE) ratio for FINECOBANK SPA (ZS3.DE) is 19.08 and the Price/Book (PB) ratio is 5.56.


What is the expected EPS growth for FINECOBANK SPA (ZS3.DE) stock?

The Earnings per Share (EPS) of FINECOBANK SPA (ZS3.DE) is expected to decline by -3.5% in the next year.