CREDITO EMILIANO SPA (CE.MI) Fundamental Analysis & Valuation

BIT:CE • IT0003121677

Current stock price

15.58 EUR
+0.19 (+1.23%)
Last:

This CE.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. CE.MI Profitability Analysis

1.1 Basic Checks

  • In the past year CE was profitable.
  • CE had a negative operating cash flow in the past year.
  • CE had positive earnings in each of the past 5 years.
  • In multiple years CE reported negative operating cash flow during the last 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B -2B 3B

1.2 Ratios

  • CE has a Return On Assets of 1.45%. This is amongst the best in the industry. CE outperforms 84.55% of its industry peers.
  • With an excellent Return On Equity value of 21.13%, CE belongs to the best of the industry, outperforming 92.73% of the companies in the same industry.
Industry RankSector Rank
ROA 1.45%
ROE 21.13%
ROIC N/A
ROA(3y)0.88%
ROA(5y)0.73%
ROE(3y)14.1%
ROE(5y)12.38%
ROIC(3y)N/A
ROIC(5y)N/A
CE.MI Yearly ROA, ROE, ROICCE.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 26.05%, CE is in the better half of the industry, outperforming 62.73% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CE has grown nicely.
  • The Operating Margin and Gross Margin are not available for CE so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.05%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y20.15%
PM growth 5Y18.75%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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1

2. CE.MI Health Analysis

2.1 Basic Checks

  • CE does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for CE has been reduced compared to 1 year ago.
  • CE has more shares outstanding than it did 5 years ago.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
CE.MI Yearly Total Debt VS Total AssetsCE.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.2 Solvency

  • CE has a Debt/Equity ratio of 1.97. This is a high value indicating a heavy dependency on external financing.
  • CE has a Debt to Equity ratio (1.97) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.97
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.54%
CE.MI Yearly LT Debt VS Equity VS FCFCE.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

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3

3. CE.MI Growth Analysis

3.1 Past

  • CE shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.31%.
  • CE shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 24.52% yearly.
  • Looking at the last year, CE shows a decrease in Revenue. The Revenue has decreased by -8.55% in the last year.
  • CE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.48% yearly.
EPS 1Y (TTM)4.31%
EPS 3Y25.06%
EPS 5Y24.52%
EPS Q2Q%-15.58%
Revenue 1Y (TTM)-8.55%
Revenue growth 3Y4.17%
Revenue growth 5Y5.48%
Sales Q2Q%2.24%

3.2 Future

  • CE is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.04% yearly.
  • The Revenue is expected to grow by 2.74% on average over the next years.
EPS Next Y-5.78%
EPS Next 2Y-0.05%
EPS Next 3Y2.1%
EPS Next 5Y1.04%
Revenue Next Year2.55%
Revenue Next 2Y2.82%
Revenue Next 3Y3.26%
Revenue Next 5Y2.74%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 500M 1B 1.5B 2B 2.5B
CE.MI Yearly EPS VS EstimatesCE.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.5 1 1.5

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4

4. CE.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 5.39, which indicates a rather cheap valuation of CE.
  • CE's Price/Earnings ratio is rather cheap when compared to the industry. CE is cheaper than 96.36% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of CE to the average of the S&P500 Index (27.18), we can say CE is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.31, the valuation of CE can be described as very reasonable.
  • 70.00% 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 (37.96), we can say CE is valued rather cheaply.
Industry RankSector Rank
PE 5.39
Fwd PE 10.31
CE.MI Price Earnings VS Forward Price EarningsCE.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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

PEG (NY)N/A
PEG (5Y)0.22
EPS Next 2Y-0.05%
EPS Next 3Y2.1%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. CE.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.86%, CE is a good candidate for dividend investing.
  • CE's Dividend Yield is comparable with the industry average which is at 4.56.
  • Compared to an average S&P500 Dividend Yield of 1.82, CE pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.86%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • CE pays out 25.96% of its income as dividend. This is a sustainable payout ratio.
DP25.96%
EPS Next 2Y-0.05%
EPS Next 3Y2.1%
CE.MI Yearly Income VS Free CF VS DividendCE.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B -2B 3B
CE.MI Dividend Payout.CE.MI Dividend Payout, showing the Payout Ratio.CE.MI Dividend Payout.PayoutRetained Earnings

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CE.MI Fundamentals: All Metrics, Ratios and Statistics

CREDITO EMILIANO SPA

BIT:CE (4/14/2026, 5:35:30 PM)

15.58

+0.19 (+1.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)05-05
Inst Owners7.1%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.32B
Revenue(TTM)3.78B
Net Income(TTM)985.37M
Analysts77.14
Price Target16.36 (5.01%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.86%
Yearly Dividend0.75
Dividend Growth(5Y)N/A
DP25.96%
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)0.16%
PT rev (3m)10.77%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.56%
EPS NY rev (3m)0.83%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.46%
Revenue NY rev (3m)1.29%
Valuation
Industry RankSector Rank
PE 5.39
Fwd PE 10.31
P/S 1.41
P/FCF N/A
P/OCF N/A
P/B 1.14
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)2.89
EY18.55%
EPS(NY)1.51
Fwd EY9.7%
FCF(TTM)-7.7
FCFYN/A
OCF(TTM)-7.4
OCFYN/A
SpS11.08
BVpS13.66
TBVpS12.15
PEG (NY)N/A
PEG (5Y)0.22
Graham Number29.8
Profitability
Industry RankSector Rank
ROA 1.45%
ROE 21.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.05%
GM N/A
FCFM N/A
ROA(3y)0.88%
ROA(5y)0.73%
ROE(3y)14.1%
ROE(5y)12.38%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y20.15%
PM growth 5Y18.75%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 1.97
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 91.44%
Cap/Sales 2.69%
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-Score5
WACC5.54%
ROIC/WACCN/A
Cap/Depr(3y)101.51%
Cap/Depr(5y)112.09%
Cap/Sales(3y)4.27%
Cap/Sales(5y)4.9%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)4.31%
EPS 3Y25.06%
EPS 5Y24.52%
EPS Q2Q%-15.58%
EPS Next Y-5.78%
EPS Next 2Y-0.05%
EPS Next 3Y2.1%
EPS Next 5Y1.04%
Revenue 1Y (TTM)-8.55%
Revenue growth 3Y4.17%
Revenue growth 5Y5.48%
Sales Q2Q%2.24%
Revenue Next Year2.55%
Revenue Next 2Y2.82%
Revenue Next 3Y3.26%
Revenue Next 5Y2.74%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-100%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-37.83%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-40.86%
OCF growth 3YN/A
OCF growth 5YN/A

CREDITO EMILIANO SPA / CE.MI Fundamental Analysis FAQ

What is the ChartMill fundamental rating of CREDITO EMILIANO SPA (CE.MI) stock?

ChartMill assigns a fundamental rating of 3 / 10 to CE.MI.


Can you provide the valuation status for CREDITO EMILIANO SPA?

ChartMill assigns a valuation rating of 4 / 10 to CREDITO EMILIANO SPA (CE.MI). This can be considered as Fairly Valued.


How profitable is CREDITO EMILIANO SPA (CE.MI) stock?

CREDITO EMILIANO SPA (CE.MI) has a profitability rating of 4 / 10.


What are the PE and PB ratios of CREDITO EMILIANO SPA (CE.MI) stock?

The Price/Earnings (PE) ratio for CREDITO EMILIANO SPA (CE.MI) is 5.39 and the Price/Book (PB) ratio is 1.14.


Can you provide the financial health for CE stock?

The financial health rating of CREDITO EMILIANO SPA (CE.MI) is 1 / 10.