CREDITO EMILIANO SPA (CE.MI) Stock Fundamental Analysis

BIT:CE • IT0003121677

15.18 EUR
-0.28 (-1.81%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

CE gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 109 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.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • CE had positive earnings in the past year.
  • CE had a negative operating cash flow in the past year.
  • Each year in the past 5 years CE has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: CE reported negative operating cash flow in multiple 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

  • Looking at the Return On Assets, with a value of 1.45%, CE belongs to the top of the industry, outperforming 87.72% of the companies in the same industry.
  • CE's Return On Equity of 21.13% is amongst the best of the industry. CE outperforms 90.35% of its industry peers.
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

  • CE has a better Profit Margin (26.10%) than 65.79% of its industry peers.
  • CE's Profit Margin has improved in the last couple of years.
  • 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) 26.1%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y20.24%
PM growth 5Y18.8%
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. 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
  • CE has a better debt/assets ratio than last year.
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 0.97. This is a neutral value indicating CE is somewhat dependend on debt financing.
  • CE has a better Debt to Equity ratio (0.97) than 67.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.65%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • CE shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.16%.
  • The Earnings Per Share has been growing by 24.47% on average over the past years. This is a very strong growth
  • CE shows a decrease in Revenue. In the last year, the revenue decreased by -8.72%.
  • Measured over the past years, CE shows a small growth in Revenue. The Revenue has been growing by 5.43% on average per year.
EPS 1Y (TTM)4.16%
EPS 3Y24.97%
EPS 5Y24.47%
EPS Q2Q%-16.04%
Revenue 1Y (TTM)-8.72%
Revenue growth 3Y4.09%
Revenue growth 5Y5.43%
Sales Q2Q%1.72%

3.2 Future

  • CE is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.72% yearly.
  • Based on estimates for the next years, CE will show a small growth in Revenue. The Revenue will grow by 1.05% on average per year.
EPS Next Y-3.54%
EPS Next 2Y0%
EPS Next 3Y1.24%
EPS Next 5Y-0.72%
Revenue Next Year1.04%
Revenue Next 2Y1.98%
Revenue Next 3Y2.02%
Revenue Next 5Y1.05%

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. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 5.25 indicates a rather cheap valuation of CE.
  • Compared to the rest of the industry, the Price/Earnings ratio of CE indicates a rather cheap valuation: CE is cheaper than 96.49% of the companies listed in the same industry.
  • CE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.68.
  • Based on the Price/Forward Earnings ratio of 10.31, the valuation of CE can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, CE is valued a bit cheaper than 63.16% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. CE is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.25
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 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

PEG (NY)N/A
PEG (5Y)0.21
EPS Next 2Y0%
EPS Next 3Y1.24%

More info and screens

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.85%, CE is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.35, CE pays a bit more dividend than its industry peers.
  • CE's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 4.85%

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 2Y0%
EPS Next 3Y1.24%
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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CREDITO EMILIANO SPA

BIT:CE (2/13/2026, 7:00:00 PM)

15.18

-0.28 (-1.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)05-05
Inst Owners6.83%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.18B
Revenue(TTM)3.78B
Net Income(TTM)985.37M
Analysts78.46
Price Target15.25 (0.46%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.85%
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)3.22%
PT rev (3m)6.03%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.75%
EPS NY rev (3m)0.04%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.99%
Valuation
Industry RankSector Rank
PE 5.25
Fwd PE 10.31
P/S 1.37
P/FCF N/A
P/OCF N/A
P/B 1.11
P/tB 1.25
EV/EBITDA N/A
EPS(TTM)2.89
EY19.04%
EPS(NY)1.47
Fwd EY9.7%
FCF(TTM)-7.7
FCFYN/A
OCF(TTM)-7.34
OCFYN/A
SpS11.06
BVpS13.66
TBVpS12.15
PEG (NY)N/A
PEG (5Y)0.21
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) 26.1%
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 3Y20.24%
PM growth 5Y18.8%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 110.01%
Cap/Sales 3.24%
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
WACC5.65%
ROIC/WACCN/A
Cap/Depr(3y)107.7%
Cap/Depr(5y)115.81%
Cap/Sales(3y)4.55%
Cap/Sales(5y)5.07%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)4.16%
EPS 3Y24.97%
EPS 5Y24.47%
EPS Q2Q%-16.04%
EPS Next Y-3.54%
EPS Next 2Y0%
EPS Next 3Y1.24%
EPS Next 5Y-0.72%
Revenue 1Y (TTM)-8.72%
Revenue growth 3Y4.09%
Revenue growth 5Y5.43%
Sales Q2Q%1.72%
Revenue Next Year1.04%
Revenue Next 2Y1.98%
Revenue Next 3Y2.02%
Revenue Next 5Y1.05%
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-37.83%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-39.71%
OCF growth 3YN/A
OCF growth 5YN/A

CREDITO EMILIANO SPA / CE.MI 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.


Can you provide the profitability details for CREDITO EMILIANO SPA?

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


What is the earnings growth outlook for CREDITO EMILIANO SPA?

The Earnings per Share (EPS) of CREDITO EMILIANO SPA (CE.MI) is expected to decline by -3.54% in the next year.


Is the dividend of CREDITO EMILIANO SPA sustainable?

The dividend rating of CREDITO EMILIANO SPA (CE.MI) is 6 / 10 and the dividend payout ratio is 25.96%.