(CE) Credito Emiliano S.p.A - Overview
Exchange: MI •
Country: Italy •
Currency: EUR •
Type: Common Stock •
ISIN: IT0003121677
Stock:
Total Rating 48
Risk 83
Buy Signal -0.46
| Risk 5d forecast | |
|---|---|
| Volatility | 20.7% |
| Relative Tail Risk | -0.03% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.32 |
| Alpha | 29.50 |
| Character TTM | |
|---|---|
| Beta | 0.194 |
| Beta Downside | 0.480 |
| Drawdowns 3y | |
|---|---|
| Max DD | 20.68% |
| CAGR/Max DD | 1.53 |
EPS (Earnings per Share)
Revenue
Description: CE Credito Emiliano S.p.A
Credito Emiliano S.p.A., together with its subsidiaries, engages in commercial banking and wealth management activities in Italy. The company is involved in commercial banking, private banking, parabanking, consumer credit, and other/technology. Its commercial banking activities relate to the distribution of financial products and services directed to its retail and corporate customers. The company's wealth management activities consist of the management of mutual funds, SICAVs, and asset management, as well as private equity funds and hedge funds. It also offers management of mutual funds, intermediation, leasing, factoring, and insurance services. In addition, the company engages in the financial leasing activities, such as long renting instrumental, real estate, and naval; management of commercial credits, monitoring of risk, guarantee and advance of credit, and management of agreements with suppliers; mortgage intermediation, placement of salary-secured products, and provision of personal and targeted loans; seasoning and packaging operation; and provision of telematic services. Further, it offers current accounts, cards and payments, collection services, investments, and other digital and online services. It serves retail services, wealth management, and small and medium-sized enterprises through a network of financial advisors. The company was founded in 1910 and is headquartered in Reggio Emilia, Italy. Credito Emiliano S.p.A. operates as a subsidiary of Credito Emiliano Holding S.p.A.
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income: 640.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.03 > 0.02 and ΔFCF/TA -2.95 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA -0.03 > 3% & CFO -1.79b > Net Income 640.5m |
| Net Debt (2.79b) to EBITDA (1.63b): 1.72 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (339.6m) vs 12m ago -0.15% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 3.25% > 50% (prev 3.66%; Δ -0.41% > 0%) |
| Interest Coverage Ratio: 2.45 > 6 (EBITDA TTM 1.63b / Interest Expense TTM 615.7m) |
Altman Z''
| A: error (Total Current Assets 1.60b - Total Current Liabilities none) / Total Assets 66.42b |
| B: 0.01 (Retained Earnings 506.4m / Total Assets 66.42b) |
| C: 0.02 (EBIT TTM 1.51b / Avg Total Assets 65.05b) |
| D: 0.01 (Book Value of Equity 506.4m / Total Liabilities 61.86b) |
Beneish M
| DSRI: none (Receivables none/none, Revenue 2.11b/2.33b) |
| GMI: 0.31 (GM 100.0% / 31.35%) |
| AQI: 1.09 (AQ_t 0.97 / AQ_t-1 0.89) |
| SGI: 0.91 (Revenue 2.11b / 2.33b) |
| TATA: 0.04 (NI 640.5m - CFO -1.79b) / TA 66.42b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of CE shares?
As of February 19, 2026, the stock is trading at EUR 15.48 with a total of 109,676 shares traded.
Over the past week, the price has changed by +1.57%, over one month by +0.65%, over three months by +9.79% and over the past year by +35.50%.
Over the past week, the price has changed by +1.57%, over one month by +0.65%, over three months by +9.79% and over the past year by +35.50%.
Is CE a buy, sell or hold?
Credito Emiliano S.p.A has no consensus analysts rating.
What are the forecasts/targets for the CE price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 16.6 | 6.9% |
| Analysts Target Price | - | - |
CE Fundamental Data Overview February 18, 2026
Market Cap USD = 6.21b (5.23b EUR * 1.1867 EUR.USD)
P/E Trailing = 8.4153
P/S = 2.9051
P/B = 1.1188
Revenue TTM = 2.11b EUR
EBIT TTM = 1.51b EUR
EBITDA TTM = 1.63b EUR
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = 2.79b EUR (from netDebt column, last quarter)
Enterprise Value = 3.63b EUR (5.23b + (null Debt) - CCE 1.60b)
Interest Coverage Ratio = 2.45 (Ebit TTM 1.51b / Interest Expense TTM 615.7m)
EV/FCF = -1.91x (Enterprise Value 3.63b / FCF TTM -1.91b)
FCF Yield = -52.45% (FCF TTM -1.91b / Enterprise Value 3.63b)
FCF Margin = -90.15% (FCF TTM -1.91b / Revenue TTM 2.11b)
Net Margin = 30.29% (Net Income TTM 640.5m / Revenue TTM 2.11b)
Gross Margin = unknown ((Revenue TTM 2.11b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.05 (Enterprise Value 3.63b / Total Assets 66.42b)
Interest Expense / Debt = unknown (Interest Expense 121.6m / Debt none)
Taxrate = 31.92% (63.1m / 197.7m)
NOPAT = 1.03b (EBIT 1.51b * (1 - 31.92%))
Current Ratio = unknown (Total Current Assets 1.60b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = 1.72 (Net Debt 2.79b / EBITDA 1.63b)
Debt / FCF = -1.46 (negative FCF - burning cash) (Net Debt 2.79b / FCF TTM -1.91b)
Total Stockholder Equity = 4.39b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.98% (Net Income 640.5m / Total Assets 66.42b)
RoE = 14.60% (Net Income TTM 640.5m / Total Stockholder Equity 4.39b)
RoCE = unknown (EBIT 1.51b / Capital Employed )
RoIC = 11.24% (NOPAT 1.03b / Invested Capital 9.15b)
WACC = 6.63% (E(5.23b)/V(5.23b) * Re(6.63%) + (debt-free company))
Discount Rate = 6.63% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 0.81%
Fair Price DCF = unknown (Cash Flow -1.91b)
EPS Correlation: 70.82 | EPS CAGR: 0.51% | SUE: N/A | # QB: 0
Revenue Correlation: 58.59 | Revenue CAGR: 1.93% | SUE: 0.10 | # QB: 0
EPS current Year (2026-12-31): EPS=1.44 | Chg30d=-0.007 | Revisions Net=+1 | Growth EPS=-6.5% | Growth Revenue=+1.6%
EPS next Year (2027-12-31): EPS=1.55 | Chg30d=+0.034 | Revisions Net=+1 | Growth EPS=+7.6% | Growth Revenue=+3.7%
P/E Trailing = 8.4153
P/S = 2.9051
P/B = 1.1188
Revenue TTM = 2.11b EUR
EBIT TTM = 1.51b EUR
EBITDA TTM = 1.63b EUR
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = 2.79b EUR (from netDebt column, last quarter)
Enterprise Value = 3.63b EUR (5.23b + (null Debt) - CCE 1.60b)
Interest Coverage Ratio = 2.45 (Ebit TTM 1.51b / Interest Expense TTM 615.7m)
EV/FCF = -1.91x (Enterprise Value 3.63b / FCF TTM -1.91b)
FCF Yield = -52.45% (FCF TTM -1.91b / Enterprise Value 3.63b)
FCF Margin = -90.15% (FCF TTM -1.91b / Revenue TTM 2.11b)
Net Margin = 30.29% (Net Income TTM 640.5m / Revenue TTM 2.11b)
Gross Margin = unknown ((Revenue TTM 2.11b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.05 (Enterprise Value 3.63b / Total Assets 66.42b)
Interest Expense / Debt = unknown (Interest Expense 121.6m / Debt none)
Taxrate = 31.92% (63.1m / 197.7m)
NOPAT = 1.03b (EBIT 1.51b * (1 - 31.92%))
Current Ratio = unknown (Total Current Assets 1.60b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = 1.72 (Net Debt 2.79b / EBITDA 1.63b)
Debt / FCF = -1.46 (negative FCF - burning cash) (Net Debt 2.79b / FCF TTM -1.91b)
Total Stockholder Equity = 4.39b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.98% (Net Income 640.5m / Total Assets 66.42b)
RoE = 14.60% (Net Income TTM 640.5m / Total Stockholder Equity 4.39b)
RoCE = unknown (EBIT 1.51b / Capital Employed )
RoIC = 11.24% (NOPAT 1.03b / Invested Capital 9.15b)
WACC = 6.63% (E(5.23b)/V(5.23b) * Re(6.63%) + (debt-free company))
Discount Rate = 6.63% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 0.81%
Fair Price DCF = unknown (Cash Flow -1.91b)
EPS Correlation: 70.82 | EPS CAGR: 0.51% | SUE: N/A | # QB: 0
Revenue Correlation: 58.59 | Revenue CAGR: 1.93% | SUE: 0.10 | # QB: 0
EPS current Year (2026-12-31): EPS=1.44 | Chg30d=-0.007 | Revisions Net=+1 | Growth EPS=-6.5% | Growth Revenue=+1.6%
EPS next Year (2027-12-31): EPS=1.55 | Chg30d=+0.034 | Revisions Net=+1 | Growth EPS=+7.6% | Growth Revenue=+3.7%