Full history for every metric is available with a Kvantra account
Key financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | €m | 1,316 | 1,481 | 1,611 | 2,065 | 2,199 | 2,389 | 2,357 | - |
| Operating profit | €m | 869 | 850 | ||||||
| Net profit | €m | 202 | 352 | 326 | 562 | 620 | 621 | 563 | 564 |
| EPS reported | € | 1.83 | 1.66 | ||||||
| Operating cashflow per share | € | 0.88 | 0.00 | ||||||
| Capex per share | € | 0.15 | 0.00 | ||||||
| FCF per share | € | 0.73 | 0.00 | ||||||
| Free cash flow | €m | 248 | 0 | ||||||
| Net debt | €m | 6,194 | 6,080 | ||||||
| Book value equity | €m | 4,663 | 4,723 | ||||||
| Book value per share | € | 13.66 | 13.91 | ||||||
| Number of shares | m | 341.32 | 339.64 | ||||||
| DPS (TTM paid) | € | 0.75 | 0.75 |
Financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.35 | 12.41 | ||||||
| P/B LTM | x | 1.12 | 1.48 | ||||||
| P/S LTM | x | 2.18 | 2.97 | ||||||
| P/FCF LTM | x | 21.02 | 0.00 | ||||||
| EV/EBITDA LTM | x | 12.63 | 13.55 | ||||||
| EV/Sales LTM | x | 3.88 | 5.55 | ||||||
| Earnings Yield LTM | % | 11.98% | 8.06% | ||||||
| FCF Yield | % | 4.76% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | 13.33% | 12.18% | ||||||
| ROIC | % | 0.91% | 0.82% | ||||||
| Operating margin | % | 29.42% | 29.37% | ||||||
| Gross margin | % | 79.13% | 81.90% | ||||||
| FCF/Sales | % | 8.40% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +0.55% | -15.31% | ||||||
| Sales Growth YoY | % | +8.68% | +6.20% | ||||||
| Net Income Growth YoY | % | +0.23% | -15.78% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | -4.66% | -9.29% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 4.91% | 3.64% | ||||||
| Dividend Growth | % | +275.00% | +275.00% | ||||||
| Payout Ratio | % | 40.96% | 0.00% | ||||||
| FCF/Debt | x | 0.03 | 0.00 | ||||||
| Net Debt/EBITDA | x | 6.88 | 6.30 | ||||||
| EBIT/Net interest | x | 1.54 | 1.58 | ||||||
| Net debt/market cap | % | 118.77% | 86.90% | ||||||
| Net debt/Equity | x | 1.33 | 1.29 | ||||||
| Gross debt/equity | x | 1.64 | 1.46 | ||||||
ETFs that hold Credito Emiliano
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| Amundi FTSE Italia PMI PIR 2020 UCITS ETF Acc | 0XCK.IL | 10 | 2.99% |
Funds with Credito Emiliano among their ten largest holdings, largest fund first.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
Credito Emiliano S.p.A., a division of Credito Emiliano Holding S.p.A., delivers a wide array of banking and financial services to both individual and business clients, predominantly within Italy. Its operations are organized into distinct areas, including Commercial Banking, Asset Management, Bancassurance, Trading, and ALM Treasury. The institution offers a comprehensive suite of deposit products, such as checking and savings accounts, time deposits, certificates of deposit, and various bonds, alongside a robust lending portfolio featuring mortgages, credit cards, and personal or salary-backed loans. Credito Emiliano also provides sophisticated wealth management solutions, encompassing mutual funds, SICAVs, portfolio management, and investments in private equity and hedge funds. Beyond core banking, its service offerings extend to asset management, bancassurance, fiduciary services, remote banking, savings management, brokerage, financial leasing, factoring, and insurance. Furthermore, the company notably engages in cheese warehousing, real estate management, and software development. Established in 1910, with its headquarters in Reggio Emilia, Italy, the bank boasted an extensive network of 625 branches, business centers, and financial outlets spanning 20 regions as of December 31, 2021.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Credito Emiliano S.p.A. (CE.MI)
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| Amundi FTSE Italia PMI PIR 2020 UCITS ETF Acc | 0XCK.IL | 10 | 2.99% |
Funds with Credito Emiliano among their ten largest holdings, largest fund first.
Based on consensus from external analysts. Not Kvantra's opinion.
Credito Emiliano S.p.A., a division of Credito Emiliano Holding S.p.A., delivers a wide array of banking and financial services to both individual and business clients, predominantly within Italy. Its operations are organized into distinct areas, including Commercial Banking, Asset Management, Bancassurance, Trading, and ALM Treasury. The institution offers a comprehensive suite of deposit products, such as checking and savings accounts, time deposits, certificates of deposit, and various bonds, alongside a robust lending portfolio featuring mortgages, credit cards, and personal or salary-backed loans. Credito Emiliano also provides sophisticated wealth management solutions, encompassing mutual funds, SICAVs, portfolio management, and investments in private equity and hedge funds. Beyond core banking, its service offerings extend to asset management, bancassurance, fiduciary services, remote banking, savings management, brokerage, financial leasing, factoring, and insurance. Furthermore, the company notably engages in cheese warehousing, real estate management, and software development. Established in 1910, with its headquarters in Reggio Emilia, Italy, the bank boasted an extensive network of 625 branches, business centers, and financial outlets spanning 20 regions as of December 31, 2021.
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