)

FinecoBank Banca Fineco (FBK) investor relations material
FinecoBank Banca Fineco Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net profit for 1H25 was €317.8M, nearly flat year-over-year, with revenues at €644.4M and cost/income ratio at 26.9%.
Client acquisition accelerated, with 99,724–100,000 new clients in 1H25 (+35.5% YoY), and July adding up to 50,000 new clients (+20% YoY).
Total Financial Assets rose to €147.8B, up 5% from December 2024, driven by strong net sales and client growth.
AI-powered initiatives and new investment solutions are enhancing productivity, net sales, and business mix.
Capital and liquidity positions remain robust, with CET1 ratio at 23.5%, TCR at 32.1%, leverage ratio at 5.2%, LCR at 912%, and NSFR at 403%.
Financial highlights
Net profit for 1H25: €317.8M, nearly flat YoY; revenues: €644.4M, down 2.1% YoY as lower net financial income (-13.3%) was offset by higher non-financial income (+12%).
Operating costs rose to €173.1M (+8% YoY), mainly due to business growth and AI initiatives.
Cost/income ratio at 26.9–27%, reflecting strong operating leverage.
Investing revenues grew 9.8–10% YoY; brokerage revenues up 15–20.5% YoY, with July net sales at ~€1.1B (+45% YoY).
Asset under management net sales surged 80.2% YoY to €2.6B in 1H25.
Outlook and guidance
Investing and brokerage revenues expected to reach record levels in 2025, with every €1B AUM change from August 1 generating €2.9M in management fees for the year.
Operating costs projected to grow ~6% YoY, excluding €5–10M for growth initiatives; cost/income ratio to remain below 30%.
Payout ratio expected at 70–80%; leverage ratio target above 4.5%.
Cost of risk forecasted between 5–10 bps for 2025.
Banking fees expected to decrease slightly in FY25 due to new instant payment regulations.
Next FinecoBank Banca Fineco earnings date

Next FinecoBank Banca Fineco earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage