Market Price

8.66 

0.14 1.7%

as of Aug 16 '19

52 Week Range:

8.36 12.56


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

FinecoBank Banca Fineco S.p.A. provides banking and investment products and services in Italy and internationally. The company operates through Banking, Brokerage, and Investing segments. Its banking services include current account and deposit services, payment services, mortgages, and personal loans, as well as debit, credit, and prepaid cards; and brokerage services comprise order execution services on behalf of customers with direct access to principal global equity markets and to trade on currencies, indices, shares, bonds, commodities, futures, options, bonds, ETFs, and certificates. The company's investing business include placement and distribution services of various products, including mutual funds and SICAV sub-funds, and insurance and pension products, as well as investment advisory services. It serves primarily through a network of personal financial advisors, and online and mobile channels. As of December 31, 2018, the company operated 390 financial shops. The company was founded in 1999 and is headquartered in Milan, Italy. FinecoBank Banca Fineco S.p.A. is a subsidiary of UniCredit S.p.A.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Avg.PE 15.30
16.18
30.01
25.98
growth rate 5.8% 85.5% -13.4%
Balance Sheet Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 25.00
187.88
44.84
43.99
43.42
18.35
18.02
growth rate 651.5% -76.1% -1.9% -1.3% -57.8% -1.8%
Acct.Payable 11,921.00
12,457.07
13,588.82
15,615.06
18,530.97
19,988.97
22,103.97
growth rate 4.5% 9.1% 14.9% 18.7% 7.9% 10.6%
Cur.Assets 4,865.00
4,072.57
4,807.04
3,721.60
4,031.89
3,530.74
3,522.95
growth rate -16.3% 18.0% -22.6% 8.3% -12.4% -0.2%
Total Assets 18,291.00
17,661.34
16,764.62
18,327.95
20,986.38
22,340.34
24,732.63
growth rate -3.4% -5.1% 9.3% 14.5% 6.5% 10.7%
Cash 0.00
1,476.29
1,251.08
2,336.58
1,993.75
1,922.05
growth rate 32,093,056.5% -15.3% 86.8% -14.7% -3.6%
Cur.Liabilities 14,566.00
14,715.00
15,621.43
17,518.65
20,142.70
21,411.16
23,568.13
growth rate 1.0% 6.2% 12.1% 15.0% 6.3% 10.1%
Liabilities 17,843.00
17,242.19
16,212.37
17,695.15
20,305.08
21,608.51
23,756.95
growth rate -3.4% -6.0% 9.2% 14.8% 6.4% 9.9%
LT Debt 3,076.00
2,322.75
424.71
growth rate -24.5% -81.7%
Equity 419.15
552.25
632.80
681.30
731.83
975.68
growth rate 31.8% 14.6% 7.7% 7.4% 33.3%
Common Shares 200.07
200.07
200.15
200.25
200.55
200.77
growth rate 0.0% 0.0% 0.1% 0.2% 0.1%
Cash Flow Statement Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 2.00
5.49
4.15
5.49
6.88
7.08
7.15
growth rate 174.7% -24.5% 32.5% 25.3% 2.9% 0.9%
Cash Dividends 114.06
22.01
126.16
159.69
174.40
186.10
growth rate -80.7% 473.3% 26.6% 9.2% 6.7%
Cash From OA 45.00
382.28
-9,596.42
-2,031.09
-1,126.26
1,096.63
56.43
growth rate 749.5% -100.0% 0.0% 0.0% 100.0% -94.9%
Sale Purchase of Stock 0.08
0.08
0.08
4.31
4.27
growth rate 0.0% 0.0% 5,304.9% -1.0%
FCF 43.00
376.79
-9,600.57
-2,036.58
-1,133.14
1,089.54
49.28
growth rate 776.3% -100.0% 0.0% 0.0% 100.0% -95.5%
Income Statement Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 469.00
424.46
498.29
540.56
551.82
568.31
619.70
growth rate -9.5% 17.4% 8.5% 2.1% 3.0% 9.0%
Op.Income 125.00
231.13
289.43
302.31
318.26
325.85
361.23
growth rate 84.9% 25.2% 4.5% 5.3% 2.4% 10.9%
IBT 161.93
229.73
288.07
306.34
316.26
354.75
growth rate 41.9% 25.4% 6.3% 3.2% 12.2%
Net Income 125.00
85.22
149.91
191.05
211.84
214.12
241.22
growth rate -31.8% 75.9% 27.5% 10.9% 1.1% 12.7%
Gross Profit 469.00
424.46
496.40
538.62
549.87
566.73
619.70
growth rate -9.5% 17.0% 8.5% 2.1% 3.1% 9.4%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Balance Sheet
Acct.Receivable 17.15
17.76
18.02
5.21
11.96
growth rate 3.6% 1.5% -71.1% 129.6%
Acct.Payable 21,160.87
22,826.83
22,103.97
24,915.89
23,922.42
growth rate 7.9% -3.2% 12.7% -4.0%
Cur.Assets 3,592.59
30.86
3,522.95
44.42
1,939.17
growth rate -99.1% 11,317.4% -98.7% 4,265.9%
Total Assets 23,425.36
24,182.66
24,732.63
26,380.25
25,834.65
growth rate 3.2% 2.3% 6.7% -2.1%
Cash 2,137.97
0.53
1,922.05
0.76
1,230.60
growth rate -100.0% 361,187.0% -100.0% 162,893.3%
Cur.Liabilities 22,311.56
22,880.73
23,568.13
24,988.77
24,646.50
growth rate 2.6% 3.0% 6.0% -1.4%
Liabilities 22,551.36
23,278.35
23,756.95
25,340.31
24,906.98
growth rate 3.2% 2.1% 6.7% -1.7%
Equity 874.00
904.31
975.68
1,039.94
927.68
growth rate 3.5% 7.9% 6.6% -10.8%
Common Shares 200.77
746.34
200.77
986.93
200.94
growth rate 271.7% -73.1% 391.6% -79.6%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 160.75
151.20
152.65
155.81
168.07
growth rate -5.9% 1.0% 2.1% 7.9%
Op.Income 101.11
75.56
98.16
89.55
107.12
growth rate -25.3% 29.9% -8.8% 19.6%
IBT 98.83
75.56
91.69
89.54
103.53
growth rate -23.5% 21.4% -2.3% 15.6%
Net Income 66.21
52.55
63.49
62.27
71.84
growth rate -20.6% 20.8% -1.9% 15.4%
Gross Profit 159.64
151.20
152.65
155.81
166.94
growth rate -5.3% 1.0% 2.1% 7.2%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (35.96)

YOY Growth Grade:

E (23.64)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 21.32 21.33 18.82
EPS / Growth 14.9% 0.41 0.4%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 20.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 0.4% 11.9% 11.9%
Future PE 0.72 21.31 21.31
Future EPS 0.42 1.25 1.25
Value Price
MOS %
0.07
-99.1%
6.58
-24.0%
6.58
-24.0%
MOS Price 0.04 3.29 3.29
IRT 20.52 10.52 10.52

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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