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

BIT:CE • IT0003121677

Current stock price

14.08 EUR
-0.2 (-1.4%)
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.
  • In the past year CE has reported a negative cash flow from operations.
  • In the past 5 years CE has always 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

  • The Return On Assets of CE (1.45%) is better than 87.61% of its industry peers.
  • CE has a better Return On Equity (21.13%) than 90.27% 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's Profit Margin of 26.10% is fine compared to the rest of the industry. CE outperforms 64.60% of its industry peers.
  • In the last couple of years the Profit Margin of CE has grown nicely.
  • 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) 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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2

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.
  • CE has less shares outstanding than it did 1 year ago.
  • CE has more shares outstanding than it did 5 years ago.
  • 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

  • A Debt/Equity ratio of 0.97 indicates that CE is somewhat dependend on debt financing.
  • The Debt to Equity ratio of CE (0.97) is better than 66.37% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.52%
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

  • The Earnings Per Share has been growing slightly by 4.16% over the past year.
  • Measured over the past years, CE shows a very strong growth in Earnings Per Share. The EPS has been growing by 24.47% on average per year.
  • 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

  • The Earnings Per Share is expected to grow by 1.04% on average over the next years.
  • CE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.74% yearly.
EPS Next Y-7.22%
EPS Next 2Y-0.64%
EPS Next 3Y1.8%
EPS Next 5Y1.04%
Revenue Next Year2.08%
Revenue Next 2Y2.7%
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

  • Based on the Price/Earnings ratio of 4.87, the valuation of CE can be described as very cheap.
  • 96.46% of the companies in the same industry are more expensive than CE, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, CE is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.46 indicates a reasonable valuation of CE.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CE indicates a somewhat cheap valuation: CE is cheaper than 65.49% of the companies listed in the same industry.
  • CE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.28.
Industry RankSector Rank
PE 4.87
Fwd PE 9.46
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)0.2
EPS Next 2Y-0.64%
EPS Next 3Y1.8%

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

6

5. CE.MI Dividend Analysis

5.1 Amount

  • CE has a Yearly Dividend Yield of 5.16%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.66, 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 1.91.
Industry RankSector Rank
Dividend Yield 5.16%

5.2 History

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

5.3 Sustainability

  • 25.96% of the earnings are spent on dividend by CE. This is a low number and sustainable payout ratio.
DP25.96%
EPS Next 2Y-0.64%
EPS Next 3Y1.8%
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 (3/20/2026, 5:36:15 PM)

14.08

-0.2 (-1.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)05-05
Inst Owners6.81%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap4.81B
Revenue(TTM)3.78B
Net Income(TTM)985.37M
Analysts78.46
Price Target16.34 (16.05%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.16%
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)7.14%
PT rev (3m)10.59%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.05%
EPS NY rev (3m)-0.3%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.82%
Revenue NY rev (3m)1.08%
Valuation
Industry RankSector Rank
PE 4.87
Fwd PE 9.46
P/S 1.27
P/FCF N/A
P/OCF N/A
P/B 1.03
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)2.89
EY20.53%
EPS(NY)1.49
Fwd EY10.57%
FCF(TTM)-7.7
FCFYN/A
OCF(TTM)-7.34
OCFYN/A
SpS11.06
BVpS13.66
TBVpS12.15
PEG (NY)N/A
PEG (5Y)0.2
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
WACC5.52%
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-7.22%
EPS Next 2Y-0.64%
EPS Next 3Y1.8%
EPS Next 5Y1.04%
Revenue 1Y (TTM)-8.72%
Revenue growth 3Y4.09%
Revenue growth 5Y5.43%
Sales Q2Q%1.72%
Revenue Next Year2.08%
Revenue Next 2Y2.7%
Revenue Next 3Y3.26%
Revenue Next 5Y2.74%
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 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.


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 -7.22% 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%.