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CREDITO EMILIANO SPA (CE.MI) Stock Fundamental Analysis

Europe - BIT:CE - IT0003121677 - Common Stock

13.64 EUR
-0.26 (-1.87%)
Last: 10/6/2025, 5:35:30 PM
Fundamental Rating

3

Taking everything into account, CE scores 3 out of 10 in our fundamental rating. CE was compared to 95 industry peers in the Banks industry. CE has a medium profitability rating, but doesn't score so well on its financial health evaluation. CE is valued correctly, but it does not seem to be growing. CE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

CE had positive earnings in the past year.
In the past year CE has reported a negative cash flow from operations.
CE had positive earnings in each of the past 5 years.
Of the past 5 years CE 4 years had a positive operating cash flow.
CE.MI Yearly Net Income VS EBIT VS OCF VS FCFCE.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B

1.2 Ratios

CE has a better Return On Assets (1.63%) than 89.47% of its industry peers.
The Return On Equity of CE (23.89%) is better than 96.84% of its industry peers.
Industry RankSector Rank
ROA 1.63%
ROE 23.89%
ROIC N/A
ROA(3y)0.74%
ROA(5y)0.62%
ROE(3y)12.8%
ROE(5y)11%
ROIC(3y)N/A
ROIC(5y)N/A
CE.MI Yearly ROA, ROE, ROICCE.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

With a decent Profit Margin value of 28.29%, CE is doing good in the industry, outperforming 77.89% of the companies in the same industry.
CE's Profit Margin has improved in the last couple of years.
CE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 28.29%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.66%
PM growth 5Y15.69%
GM growth 3YN/A
GM growth 5YN/A
CE.MI Yearly Profit, Operating, Gross MarginsCE.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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1

2. Health

2.1 Basic Checks

CE does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CE has about the same amount of shares outstanding.
Compared to 5 years ago, CE has more shares outstanding
The debt/assets ratio for CE has been reduced compared to a year ago.
CE.MI Yearly Shares OutstandingCE.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
CE.MI Yearly Total Debt VS Total AssetsCE.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

CE has a Debt/Equity ratio of 2.03. This is a high value indicating a heavy dependency on external financing.
CE has a Debt to Equity ratio (2.03) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 2.03
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.03%
CE.MI Yearly LT Debt VS Equity VS FCFCE.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CE.MI Yearly Current Assets VS Current LiabilitesCE.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

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3

3. Growth

3.1 Past

CE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.16%, which is quite good.
The Earnings Per Share has been growing by 24.45% on average over the past years. This is a very strong growth
CE shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.71%.
The Revenue has been growing by 8.25% on average over the past years. This is quite good.
EPS 1Y (TTM)19.16%
EPS 3Y20.15%
EPS 5Y24.45%
EPS Q2Q%14.74%
Revenue 1Y (TTM)-16.71%
Revenue growth 3Y10.09%
Revenue growth 5Y8.25%
Sales Q2Q%-17.36%

3.2 Future

The Earnings Per Share is expected to decrease by -3.76% on average over the next years.
The Revenue is expected to decrease by -0.10% on average over the next years.
EPS Next Y-13.62%
EPS Next 2Y-10.45%
EPS Next 3Y-5.83%
EPS Next 5Y-3.76%
Revenue Next Year-7.11%
Revenue Next 2Y-3.02%
Revenue Next 3Y-1.05%
Revenue Next 5Y-0.1%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CE.MI Yearly Revenue VS EstimatesCE.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B 2.5B
CE.MI Yearly EPS VS EstimatesCE.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 4.39, which indicates a rather cheap valuation of CE.
Based on the Price/Earnings ratio, CE is valued cheaper than 96.84% of the companies in the same industry.
CE is valuated cheaply when we compare the Price/Earnings ratio to 27.86, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.20, which indicates a very decent valuation of CE.
74.74% of the companies in the same industry are more expensive than CE, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of CE to the average of the S&P500 Index (23.32), we can say CE is valued rather cheaply.
Industry RankSector Rank
PE 4.39
Fwd PE 9.2
CE.MI Price Earnings VS Forward Price EarningsCE.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CE.MI Per share dataCE.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10

4.3 Compensation for Growth

CE's earnings are expected to decrease with -5.83% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.18
EPS Next 2Y-10.45%
EPS Next 3Y-5.83%

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7

5. Dividend

5.1 Amount

CE has a Yearly Dividend Yield of 5.50%, which is a nice return.
CE's Dividend Yield is a higher than the industry average which is at 4.70.
CE's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
Industry RankSector Rank
Dividend Yield 5.5%

5.2 History

The dividend of CE is nicely growing with an annual growth rate of 26.52%!
Dividend Growth(5Y)26.52%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

CE pays out 30.58% of its income as dividend. This is a sustainable payout ratio.
DP30.58%
EPS Next 2Y-10.45%
EPS Next 3Y-5.83%
CE.MI Yearly Income VS Free CF VS DividendCE.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B
CE.MI Dividend Payout.CE.MI Dividend Payout, showing the Payout Ratio.CE.MI Dividend Payout.PayoutRetained Earnings

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CREDITO EMILIANO SPA

BIT:CE (10/6/2025, 5:35:30 PM)

13.64

-0.26 (-1.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-05 2025-08-05
Earnings (Next)11-06 2025-11-06
Inst Owners7.01%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap4.66B
Analysts80
Price Target13.92 (2.05%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.5%
Yearly Dividend0.65
Dividend Growth(5Y)26.52%
DP30.58%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)4.87%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.75%
EPS NY rev (3m)4.54%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.26%
Revenue NY rev (3m)-1.09%
Valuation
Industry RankSector Rank
PE 4.39
Fwd PE 9.2
P/S 1.24
P/FCF N/A
P/OCF N/A
P/B 1.05
P/tB 1.18
EV/EBITDA N/A
EPS(TTM)3.11
EY22.8%
EPS(NY)1.48
Fwd EY10.87%
FCF(TTM)-6
FCFYN/A
OCF(TTM)-5.73
OCFYN/A
SpS10.97
BVpS13
TBVpS11.58
PEG (NY)N/A
PEG (5Y)0.18
Profitability
Industry RankSector Rank
ROA 1.63%
ROE 23.89%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.29%
GM N/A
FCFM N/A
ROA(3y)0.74%
ROA(5y)0.62%
ROE(3y)12.8%
ROE(5y)11%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.66%
PM growth 5Y15.69%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 2.03
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 84.35%
Cap/Sales 2.45%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC5.03%
ROIC/WACCN/A
Cap/Depr(3y)105.98%
Cap/Depr(5y)113.67%
Cap/Sales(3y)4.46%
Cap/Sales(5y)4.98%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)19.16%
EPS 3Y20.15%
EPS 5Y24.45%
EPS Q2Q%14.74%
EPS Next Y-13.62%
EPS Next 2Y-10.45%
EPS Next 3Y-5.83%
EPS Next 5Y-3.76%
Revenue 1Y (TTM)-16.71%
Revenue growth 3Y10.09%
Revenue growth 5Y8.25%
Sales Q2Q%-17.36%
Revenue Next Year-7.11%
Revenue Next 2Y-3.02%
Revenue Next 3Y-1.05%
Revenue Next 5Y-0.1%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-146.44%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-143.22%
OCF growth 3YN/A
OCF growth 5YN/A