New Delhi, India, November 5, 2025- FinecoBank has exceeded expectations in the third quarter of 2025, reporting stronger profits and revenues than analysts had predicted. The Italian online bank continues to grow steadily, driven by a surge in new clients and consistent performance across its services.
FinecoBank posted a net profit of €163 million between July and September. This result surpassed the €154 million forecast by analysts from Visible Alpha. The bank’s total revenue for the quarter reached €325 million, slightly higher than expected and in line with the same period last year.
The bank’s performance was supported by a solid net interest margin (NIM). This figure reflects the difference between the interest FinecoBank earns from loans and what it pays on deposits. A stronger-than-expected NIM helped the bank maintain stable revenue, even as other financial institutions faced pressure from changing interest rates.
Following the announcement, Fineco’s shares rose 1.3% in early trading. This increase outpaced the 0.4% gain in Italy’s main stock index, showing investor confidence in the bank’s outlook.
Chief Executive Officer Alessandro Foti expressed optimism about the bank’s growth. He said that 2025 is on track to become a record year for new client sign-ups, surpassing the previous high set in 2024. According to the bank, Fineco added around 19,300 new clients in October alone. That figure represents a 30% increase compared to the same month last year.
In addition to new clients, Fineco also reported strong net inflows. This term refers to the amount of new money customers invest in the bank’s products. In October, net inflows rose by more than 30% year-on-year, reaching approximately €1.3 billion.
The bank highlighted that 2025 is shaping up to be a standout year for its brokerage business. October’s performance showed a strong and growing revenue base in this segment. Fineco expects this trend to continue through the rest of the year.
Looking ahead, the bank said it expects all areas of its business to contribute positively to revenue growth in 2026. It plans to share more details about its future strategy during its Capital Market Day on March 4, 2026.
Investment bank Jefferies responded positively to Fineco’s update. Analysts noted that the bank’s outlook suggests a return to growth in net interest margins in 2026. This follows a slight decline seen earlier in 2025. The expected recovery in NIM is seen as a key factor in supporting future revenue.
Fineco’s strong results come at a time when many banks are struggling with economic uncertainty and shifting interest rates. However, Fineco’s focus on digital services, low-cost investment products, and efficient operations has helped it stand out in the competitive European banking sector.
The bank’s ability to attract new customers and maintain steady revenue shows that its strategy is working. While other financial institutions are adjusting to new market conditions, Fineco continues to grow.
FinecoBank operates entirely online. It offers a mix of banking, investment, and brokerage services. Its digital-first approach appeals to tech-savvy customers who want low fees and easy access to financial tools. This model has helped the bank expand its customer base and improve efficiency.
The success of the bank also reflects broader trends in the financial industry: Increasingly, more people are turning toward online platforms for their banking and investment needs. Fineco has positioned itself well to meet this demand.
With the continuous increase in customer base and a strong outlook for its core businesses, Fineco is well-positioned for further growth in 2026. The management also remains optimistic as ever about its strategy's continuing to pay off
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