(CE) Credito Emiliano S.p.A - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: MI (Italy) | Market Cap: 5.027m EUR | Total Return: 28.9% in 12m
Avg Turnover: 2.38M
EPS Trend: 83.2%
Rev. Trend: 16.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Credito Emiliano S.p.A. (CE) is an Italian financial institution providing commercial banking, wealth management, and insurance services to retail, corporate, and SME clients. Headquartered in Reggio Emilia, the bank operates through a diversified model that includes consumer credit, leasing, factoring, and digital payment solutions. Its wealth management division manages mutual funds, SICAVs, and private equity, leveraging a dedicated network of financial advisors to service high-net-worth individuals.
The Italian banking sector is characterized by a high degree of fragmentation, where regional banks often maintain competitive advantages through localized customer relationships and integrated bancassurance models. By combining traditional lending with commission-based asset management, the company reduces its reliance on net interest income, which can be sensitive to European Central Bank rate cycles. For a deeper look at these valuation drivers, you may find further insights on ValueRay.
- Net interest margin sensitivity to European Central Bank monetary policy shifts
- Wealth management fee income growth offsets traditional banking revenue volatility
- Asset quality and non-performing loan ratios impact credit provision costs
- Digital transformation efficiency gains reduce operational expense and cost-to-income ratio
- Italian macroeconomic stability influences domestic small and medium enterprise loan demand
| Net Income: 531.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.04 > 0.02 and ΔFCF/TA -1.12 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA -0.04 > 3% & CFO -2.51b > Net Income 531.7m |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (339.6m) vs 12m ago -0.29% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 3.22% > 50% (prev 3.35%; Δ -0.14% > 0%) |
| Interest Coverage Ratio: 2.48 > 6 (EBITDA TTM 1.44b / Interest Expense TTM 534.6m) |
As of May 24, 2026, the stock is trading at EUR 15.12 with a total of 124,882 shares traded.
Over the past week, the price has changed by +2.16%,
over one month by +3.02%,
over three months by +1.18% and
over the past year by +28.90%.
Credito Emiliano S.p.A has no consensus analysts rating.
P/E Trailing = 9.4268
P/E Forward = 8.7336
P/S = 2.7473
P/B = 1.1678
P/EG = 1.1088
Revenue TTM = 2.06b EUR
EBIT TTM = 1.32b EUR
EBITDA TTM = 1.44b EUR
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 3.71b EUR (5.03b + (null Debt) - CCE 1.32b)
Interest Coverage Ratio = 2.48 (Ebit TTM 1.32b / Interest Expense TTM 534.6m)
EV/FCF = -1.41x (Enterprise Value 3.71b / FCF TTM -2.63b)
FCF Yield = -70.88% (FCF TTM -2.63b / Enterprise Value 3.71b)
FCF Margin = -127.3% (FCF TTM -2.63b / Revenue TTM 2.06b)
Net Margin = 25.77% (Net Income TTM 531.7m / Revenue TTM 2.06b)
Gross Margin = unknown ((Revenue TTM 2.06b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.06 (Enterprise Value 3.71b / Total Assets 64.2b)
Interest Expense / Debt = unknown (Interest Expense 534.6m / Debt none)
Taxrate = 36.10% (78.8m / 218.3m)
NOPAT = 845.8m (EBIT 1.32b * (1 - 36.10%))
Current Ratio = unknown (Total Current Assets 1.32b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 1.44b)
Debt / FCF = unknown (Net Debt none / FCF TTM -2.63b)
Total Stockholder Equity = 4.55b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.83% (Net Income 531.7m / Total Assets 64.2b)
RoE = 11.70% (Net Income TTM 531.7m / Total Stockholder Equity 4.55b)
RoCE = unknown (EBIT 1.32b / Capital Employed )
RoIC = unknown (NOPAT 845.8m, Invested Capital 0.0, EBIT 1.32b)
WACC = 7.57% (E(5.03b)/V(5.03b) * Re(7.57%) + (debt-free company))
Discount Rate = 7.57% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 23.57 | Cagr: 0.72%
[DCF] Fair Price = unknown (Cash Flow -2.63b)
EPS Correlation: 83.25 | EPS CAGR: 17.03% | SUE: N/A | # QB: 0
Revenue Correlation: 16.02 | Revenue CAGR: 1.36% | SUE: 0.33 | # QB: 0
EPS current Year (2026-12-31): EPS=1.45 | Chg30d=-1.81% | Revisions=+0% | GrowthEPS=-5.7% | GrowthRev=+2.4%
EPS next Year (2027-12-31): EPS=1.57 | Chg30d=+0.23% | Revisions=+14% | GrowthEPS=+7.8% | GrowthRev=+3.3%
[Analyst] Revisions Ratio: +14%