New Delhi, India, November 5, 2025– FinecoBank has outperformed market expectations in the third quarter of 2025, reporting higher earnings and revenue than analysts had projected. The Italian digital bank continues to gain momentum, fueled by a rising number of new customers and consistent financial performance.
During the July to September period, FinecoBank recorded a net income of €163 million, exceeding the €154 million predicted by analysts polled by Visible Alpha. The company’s total revenue reached €325 million, slightly above forecasts and matching the same quarter last year.
This strong showing was largely supported by a healthy net interest margin (NIM) the difference between the interest the bank earns from lending and what it pays on deposits. The NIM remained more robust than anticipated, helping the bank maintain its revenue despite broader economic headwinds.
Following the earnings release, FinecoBank’s stock rose 1.3% in early trading, outperforming Italy’s main stock index, which saw a 0.4% increase at the same time.
Chief Executive Officer Alessandro Foti shared his optimism about the bank’s growth. He stated that 2025 is expected to break records for new customer registrations, surpassing the previous peak achieved in 2024. In October alone, Fineco welcomed approximately 19,300 new clients, marking a 30% rise compared to the same month last year.
In addition to customer growth, the bank reported a significant increase in net inflows the total amount of new funds invested by clients. These inflows climbed by over 30% year-on-year, reaching around €1.3 billion in October.
Fineco also highlighted the strength of its brokerage division, which is on track for a record-breaking year. The October figures reflect a solid and expanding revenue base in this area, reinforcing the bank’s position in the online trading space.
Looking forward, FinecoBank expects all segments of its business to contribute positively to revenue expansion in 2026. The company plans to provide more insights into its strategic direction during its Capital Market Day, scheduled for March 4, 2026.
Investment firm Jefferies responded favorably to the update. Analysts indicate the bank expects net interest margins to rebound in 2026 after a minor decline earlier this year. This anticipated recovery is seen as a key driver of future revenue growth.
Fineco’s performance stands out at a time when many banks are grappling with economic uncertainty and fluctuating interest rates. Fineco’s focus on digital banking, low-cost investments, and efficient operations has driven its success in Europe’s competitive market.
The bank’s ability to consistently attract new customers and maintain stable earnings demonstrates the effectiveness of its business model. While other financial institutions are adjusting to shifting market dynamics, Fineco continues to expand.
Operating entirely online, FinecoBank offers a combination of banking, investment, and trading services. Its digital-first strategy appeals to modern consumers who value low fees and convenient access to financial tools. This approach has enabled the bank to grow its user base while keeping costs under control.
The bank’s success also reflects a broader shift in consumer behavior. More individuals now use digital platforms for their finances, and Fineco is ready to meet this growing demand.
FinecoBank’s strong growth, financial stability, and positive outlook position it to sustain momentum into 2026. The leadership remains confident that the bank’s strategy will continue to deliver strong results in the coming quarters.
As of today, €1 is equivalent to approximately $1.17.
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