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CREDITO EMILIANO SPA (CE.MI) Stock Fundamental Analysis

BIT:CE - IT0003121677 - Common Stock

13.38 EUR
+0.14 (+1.06%)
Last: 9/9/2025, 2:25:55 PM
Fundamental Rating

3

Overall CE gets a fundamental rating of 3 out of 10. We evaluated CE against 89 industry peers in the Banks industry. There are concerns on the financial health of CE while its profitability can be described as average. CE is not valued too expensively and it also shows a decent growth rate. Finally CE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year CE was profitable.
CE had a negative operating cash flow in the past year.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B

1.2 Ratios

CE has a better Return On Assets (1.63%) than 89.89% of its industry peers.
Looking at the Return On Equity, with a value of 23.89%, CE belongs to the top of the industry, outperforming 97.75% of the companies in the same industry.
Industry RankSector Rank
ROA 1.63%
ROE 23.89%
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
CE.MI Yearly ROA, ROE, ROICCE.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

With a decent Profit Margin value of 28.29%, CE is doing good in the industry, outperforming 77.53% of the companies in the same industry.
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) 28.29%
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
CE.MI Yearly Profit, Operating, Gross MarginsCE.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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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.
The number of shares outstanding for CE remains at a similar level compared to 1 year ago.
Compared to 5 years ago, CE has more shares outstanding
Compared to 1 year ago, CE has an improved debt to assets ratio.
CE.MI Yearly Shares OutstandingCE.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
CE.MI Yearly Total Debt VS Total AssetsCE.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

A Debt/Equity ratio of 2.03 is on the high side and indicates that CE has dependencies on debt financing.
With a Debt to Equity ratio value of 2.03, CE perfoms like the industry average, outperforming 51.69% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.03
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC4.96%
CE.MI Yearly LT Debt VS Equity VS FCFCE.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

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4

3. Growth

3.1 Past

CE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.16%, which is quite good.
Measured over the past years, CE shows a very strong growth in Earnings Per Share. The EPS has been growing by 24.45% on average per year.
CE shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.71%.
Measured over the past years, CE shows a quite strong growth in Revenue. The Revenue has been growing by 8.25% on average per year.
EPS 1Y (TTM)19.16%
EPS 3Y20.15%
EPS 5Y24.45%
EPS Q2Q%14.74%
Revenue 1Y (TTM)-16.71%
Revenue growth 3Y10.09%
Revenue growth 5Y8.25%
Sales Q2Q%-17.36%

3.2 Future

CE is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -3.66% yearly.
The Revenue is expected to grow by 0.01% on average over the next years.
EPS Next Y-16.74%
EPS Next 2Y-10.45%
EPS Next 3Y-5.83%
EPS Next 5Y-3.66%
Revenue Next Year-6.86%
Revenue Next 2Y-3.14%
Revenue Next 3Y-1.15%
Revenue Next 5Y0.01%

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.
CE.MI Yearly Revenue VS EstimatesCE.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B 2.5B
CE.MI Yearly EPS VS EstimatesCE.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5

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4. Valuation

4.1 Price/Earnings Ratio

CE is valuated cheaply with a Price/Earnings ratio of 4.30.
96.63% of the companies in the same industry are more expensive than CE, based on the Price/Earnings ratio.
CE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.02.
A Price/Forward Earnings ratio of 9.02 indicates a reasonable valuation of CE.
Based on the Price/Forward Earnings ratio, CE is valued a bit cheaper than 74.16% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.66, CE is valued rather cheaply.
Industry RankSector Rank
PE 4.3
Fwd PE 9.02
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

A cheap valuation may be justified as CE's earnings are expected to decrease with -5.83% in the coming years.
PEG (NY)N/A
PEG (5Y)0.18
EPS Next 2Y-10.45%
EPS Next 3Y-5.83%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.62%, CE is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.09, CE has a dividend in line with its industry peers.
CE's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
Industry RankSector Rank
Dividend Yield 5.62%

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 30.58% of its income as dividend. This is a sustainable payout ratio.
DP30.58%
EPS Next 2Y-10.45%
EPS Next 3Y-5.83%
CE.MI Yearly Income VS Free CF VS DividendCE.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 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 (9/9/2025, 2:25:55 PM)

13.38

+0.14 (+1.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-05 2025-08-05
Earnings (Next)11-06 2025-11-06
Inst Owners7.05%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap4.57B
Analysts80
Price Target13.92 (4.04%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.62%
Yearly Dividend0.65
Dividend Growth(5Y)26.52%
DP30.58%
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)5%
PT rev (3m)4.87%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.76%
EPS NY rev (3m)0.76%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)-0.83%
Valuation
Industry RankSector Rank
PE 4.3
Fwd PE 9.02
P/S 1.22
P/FCF N/A
P/OCF N/A
P/B 1.03
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)3.11
EY23.24%
EPS(NY)1.48
Fwd EY11.08%
FCF(TTM)-6
FCFYN/A
OCF(TTM)-5.73
OCFYN/A
SpS10.97
BVpS13
TBVpS11.58
PEG (NY)N/A
PEG (5Y)0.18
Profitability
Industry RankSector Rank
ROA 1.63%
ROE 23.89%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.29%
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-Score6
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 2.03
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 84.35%
Cap/Sales 2.45%
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
WACC4.96%
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)19.16%
EPS 3Y20.15%
EPS 5Y24.45%
EPS Q2Q%14.74%
EPS Next Y-16.74%
EPS Next 2Y-10.45%
EPS Next 3Y-5.83%
EPS Next 5Y-3.66%
Revenue 1Y (TTM)-16.71%
Revenue growth 3Y10.09%
Revenue growth 5Y8.25%
Sales Q2Q%-17.36%
Revenue Next Year-6.86%
Revenue Next 2Y-3.14%
Revenue Next 3Y-1.15%
Revenue Next 5Y0.01%
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-146.44%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-143.22%
OCF growth 3YN/A
OCF growth 5YN/A