CE Fundamental Analysis - CREDITO EMILIANO SPA

Fundamental Rating

CE gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 93 industry peers in the Banks industry. While CE is still in line with the averages on profitability rating, there are concerns on its financial health. 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.

In the past year CE has reported a negative cash flow from operations.

Each year in the past 5 years CE has been profitable.

CE had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

CE's Return On Assets of 1.39% is amongst the best of the industry. CE outperforms 88.17% of its industry peers.

The Return On Equity of CE (21.97%) is better than 96.77% 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 in line with its industry peers.

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 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.

CE has about the same amout of shares outstanding than it did 1 year ago.

The number of shares outstanding for CE has been increased compared to 5 years ago.

CE has a better debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 2.85 is on the high side and indicates that CE has dependencies on debt financing.

CE has a worse Debt to Equity ratio (2.85) than 66.67% of its industry peers.

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

ROIC/WACCN/A

WACC4.92%

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

The Earnings Per Share has grown by an nice 16.98% over the past year.

CE shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 24.45% yearly.

Looking at the last year, CE shows a decrease in Revenue. The Revenue has decreased by -8.95% in the last year.

CE shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.25% yearly.

EPS 1Y (TTM)16.98%

EPS 3Y20.15%

EPS 5Y24.45%

EPS Q2Q%42.22%

Revenue 1Y (TTM)-8.95%

Revenue growth 3Y10.09%

Revenue growth 5Y8.25%

Sales Q2Q%-19.92%

3.2 Future

Based on estimates for the next years, CE will show a decrease in Earnings Per Share. The EPS will decrease by -4.37% on average per year.

The Revenue is expected to decrease by -0.74% on average over the next years.

EPS Next Y-17.36%

EPS Next 2Y-10.85%

EPS Next 3Y-6.94%

EPS Next 5Y-4.37%

Revenue Next Year-6.09%

Revenue Next 2Y-2.84%

Revenue Next 3Y-1.18%

Revenue Next 5Y-0.74%

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

CE is valuated cheaply with a Price/Earnings ratio of 4.15.

Compared to the rest of the industry, the Price/Earnings ratio of CE indicates a rather cheap valuation: CE is cheaper than 97.85% of the companies listed in the same industry.

CE is valuated cheaply when we compare the Price/Earnings ratio to 26.92, which is the current average of the S&P500 Index.

CE is valuated reasonably with a Price/Forward Earnings ratio of 8.38.

Compared to the rest of the industry, the Price/Forward Earnings ratio of CE indicates a somewhat cheap valuation: CE is cheaper than 72.04% of the companies listed in the same industry.

CE is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.49, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	4.15
Fwd PE	8.38

4.2 Price Multiples

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

4.3 Compensation for Growth

CE's earnings are expected to decrease with -6.94% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)0.17

EPS Next 2Y-10.85%

EPS Next 3Y-6.94%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.10%, CE is a good candidate for dividend investing.

CE's Dividend Yield is a higher than the industry average which is at 5.14.

Compared to an average S&P500 Dividend Yield of 2.43, CE pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.1%

5.2 History

On average, the dividend of CE grows each year by 26.52%, which is quite nice.

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 (6/27/2025, 7:00:00 PM)

12.32

+0.02 (+0.16%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

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

Inst Owners7.05%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap4.21B

Analysts80

Price Target13.28 (7.79%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.1%

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)4.27%

PT rev (3m)2.63%

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	4.15
Fwd PE	8.38
P/S	1.02
P/FCF	N/A
P/OCF	N/A
P/B	0.98
P/tB	1.11
EV/EBITDA	N/A

EPS(TTM)2.97

EY24.11%

EPS(NY)1.47

Fwd EY11.93%

FCF(TTM)-5.59

FCFYN/A

OCF(TTM)-5.25

OCFYN/A

SpS12.12

BVpS12.58

TBVpS11.11

PEG (NY)N/A

PEG (5Y)0.17

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

WACC4.92%

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)16.98%

EPS 3Y20.15%

EPS 5Y24.45%

EPS Q2Q%42.22%

EPS Next Y-17.36%

EPS Next 2Y-10.85%

EPS Next 3Y-6.94%

EPS Next 5Y-4.37%

Revenue 1Y (TTM)-8.95%

Revenue growth 3Y10.09%

Revenue growth 5Y8.25%

Sales Q2Q%-19.92%

Revenue Next Year-6.09%

Revenue Next 2Y-2.84%

Revenue Next 3Y-1.18%

Revenue Next 5Y-0.74%

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-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

More info and screens

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens