CE Fundamental Analysis - CREDITO EMILIANO SPA

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to CE. CE was compared to 92 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. Finally CE also has an excellent dividend rating.

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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.

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.

1.2 Ratios

The Return On Assets of CE (1.39%) is better than 88.04% of its industry peers.

CE has a better Return On Equity (21.97%) than 96.74% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.39%
ROE	21.97%
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

1.3 Margins

CE has a Profit Margin (22.80%) which is comparable to the rest of the industry.

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 Rank	Sector Rank
OM	N/A
PM (TTM)	22.8%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

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 remains at a similar level 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.

2.2 Solvency

CE has a Debt/Equity ratio of 2.85. This is a high value indicating a heavy dependency on external financing.

CE has a Debt to Equity ratio of 2.85. This is in the lower half of the industry: CE underperforms 68.48% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.85
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.09%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.51%, 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

The Revenue has decreased by -2.90% in the past year.

The Revenue has been growing by 8.25% on average over the past years. This is quite good.

EPS 1Y (TTM)12.51%

EPS 3Y20.15%

EPS 5Y24.45%

EPS Q2Q%12.4%

Revenue 1Y (TTM)-2.9%

Revenue growth 3Y10.09%

Revenue growth 5Y8.25%

Sales Q2Q%-19.13%

3.2 Future

The Earnings Per Share is expected to decrease by -6.94% on average over the next years.

CE is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.18% yearly.

EPS Next Y-17.36%

EPS Next 2Y-10.85%

EPS Next 3Y-6.94%

EPS Next 5YN/A

Revenue Next Year-6.09%

Revenue Next 2Y-2.84%

Revenue Next 3Y-1.18%

Revenue Next 5YN/A

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 4.37 indicates a rather cheap valuation of CE.

Based on the Price/Earnings ratio, CE is valued cheaply inside the industry as 97.83% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of CE to the average of the S&P500 Index (26.25), we can say CE is valued rather cheaply.

CE is valuated cheaply with a Price/Forward Earnings ratio of 7.92.

Based on the Price/Forward Earnings ratio, CE is valued a bit cheaper than 77.17% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of CE to the average of the S&P500 Index (22.15), we can say CE is valued rather cheaply.

		Industry Rank	Sector Rank
PE	4.37
Fwd PE	7.92

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as CE's earnings are expected to decrease with -6.94% in the coming years.

PEG (NY)N/A

PEG (5Y)0.18

EPS Next 2Y-10.85%

EPS Next 3Y-6.94%

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5. Dividend

5.1 Amount

CE has a Yearly Dividend Yield of 6.09%, which is a nice return.

Compared to an average industry Dividend Yield of 5.03, 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 2.40.

		Industry Rank	Sector Rank
Dividend Yield	6.09%

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 23.47% of its income as dividend. This is a sustainable payout ratio.

DP23.47%

EPS Next 2Y-10.85%

EPS Next 3Y-6.94%

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CREDITO EMILIANO SPA

BIT:CE (5/30/2025, 5:35:15 PM)

12.1

-0.12 (-0.98%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-08 2025-05-08

Earnings (Next)08-05 2025-08-05

Inst Owners6.98%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap4.13B

Analysts81.54

Price Target12.73 (5.21%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.09%

Yearly Dividend0.65

Dividend Growth(5Y)26.52%

DP23.47%

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)-1.58%

PT rev (3m)-1.58%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)-2.41%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)-1.48%

Valuation

		Industry Rank	Sector Rank
PE	4.37
Fwd PE	7.92
P/S	1
P/FCF	N/A
P/OCF	N/A
P/B	0.96
P/tB	1.09
EV/EBITDA	N/A

EPS(TTM)2.77

EY22.89%

EPS(NY)1.53

Fwd EY12.63%

FCF(TTM)-5.59

FCFYN/A

OCF(TTM)-5.25

OCFYN/A

SpS12.12

BVpS12.58

TBVpS11.11

PEG (NY)N/A

PEG (5Y)0.18

Profitability

		Industry Rank	Sector Rank
ROA	1.39%
ROE	21.97%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.8%
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-Score5

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	2.85
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	105.32%
Cap/Sales	2.74%
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

WACC5.09%

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)12.51%

EPS 3Y20.15%

EPS 5Y24.45%

EPS Q2Q%12.4%

EPS Next Y-17.36%

EPS Next 2Y-10.85%

EPS Next 3Y-6.94%

EPS Next 5YN/A

Revenue 1Y (TTM)-2.9%

Revenue growth 3Y10.09%

Revenue growth 5Y8.25%

Sales Q2Q%-19.13%

Revenue Next Year-6.09%

Revenue Next 2Y-2.84%

Revenue Next 3Y-1.18%

Revenue Next 5YN/A

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-162%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-156.25%

OCF growth 3YN/A

OCF growth 5YN/A

CREDITO EMILIANO SPA (CE.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens