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Overview
Profile

Credito Emiliano SpA stock

CE.MI
IT0003121677
866464

Price

10.76
Today +/-
-0.16
Today %
-1.48 %

Credito Emiliano SpA stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Credito Emiliano SpA stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Credito Emiliano SpA stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Credito Emiliano SpA stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Credito Emiliano SpA's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Credito Emiliano SpA Stock Price History

DateCredito Emiliano SpA Price
1/13/202510.76 undefined
1/10/202510.92 undefined
1/9/202510.94 undefined
1/8/202510.90 undefined
1/7/202510.80 undefined
1/6/202510.80 undefined
1/3/202510.60 undefined
1/2/202510.74 undefined
12/30/202410.88 undefined
12/27/202410.74 undefined
12/23/202410.60 undefined
12/20/202410.70 undefined
12/19/202410.66 undefined
12/18/202410.80 undefined
12/17/202410.68 undefined
12/16/202410.84 undefined

Credito Emiliano SpA Revenue, EBIT, Net Income

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Revenue
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Credito Emiliano SpA, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Credito Emiliano SpA from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Credito Emiliano SpA’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Credito Emiliano SpA. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Credito Emiliano SpA’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Credito Emiliano SpA’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Credito Emiliano SpA’s growth potential.

Credito Emiliano SpA Revenue, EBIT and net profit per share

DateCredito Emiliano SpA RevenueCredito Emiliano SpA Net Income
2027e1.97 B undefined491.2 M undefined
2026e1.94 B undefined483.82 M undefined
2025e1.94 B undefined513.77 M undefined
2024e2.03 B undefined594.37 M undefined
20233.24 B undefined562.12 M undefined
20222.33 B undefined316.97 M undefined
20212.11 B undefined352.43 M undefined
20200 undefined201.6 M undefined
20190 undefined201.3 M undefined
20180 undefined186.7 M undefined
20170 undefined186.5 M undefined
20160 undefined131.9 M undefined
20150 undefined166.2 M undefined
20140 undefined151.8 M undefined
20130 undefined115.9 M undefined
20120 undefined121.2 M undefined
20110 undefined96.6 M undefined
20100 undefined78 M undefined
20090 undefined88.8 M undefined
20080 undefined155.8 M undefined
20070 undefined249.4 M undefined
20060 undefined232.1 M undefined
20050 undefined249.5 M undefined
20040 undefined144.1 M undefined

Credito Emiliano SpA Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (B)EBIT (M)EBIT MARGIN (%)NET INCOME (M)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e2027e
000000000000000000000000002.112.333.242.031.941.941.97
---------------------------10.3339.07-37.26-4.720.101.65
--------------------------61.1159.6042.8568.3171.6971.6270.46
000000000000000000000000001.291.3900000
000000000000000000000000004275070973862837857
---------------------------------
2029-7444613810710995144249232249155887896121115151166131186186201201352316562594513483491
-45.00-124.14-728.574.55200.00-22.461.87-12.8451.5872.92-6.837.33-37.75-43.23-11.3623.0826.04-4.9631.309.93-21.0841.98-8.06-75.12-10.2377.855.69-13.64-5.851.66
---------------------------------
---------------------------------
205.2163.3225.8253.4265.5272.5272.5273.3274.4275.4279.5282.1282.7290.7332.4332.4332.4331.6331.2331.3331.6329.9331331.3331.1330.8335.64339.5339.950000
---------------------------------
Details

Keystats

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Revenue and Growth

The Credito Emiliano SpA Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Credito Emiliano SpA is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (B)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (B)CURRENT ASSETS (B)TANGIBLE ASSETS (M)LONG-T. INVEST. (M)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (B)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (B)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (B)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (B)LONG-T. LIAB. (B)DEFERRED TAXES (M)OTHER LIAB. (B)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
19951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
                                                         
000000000000000000000000000.584.310
00000000000000000000000000000
00000000000000000000000000000
00000000000000000000000000000
000000000000000000000000007.80.350
000000000000000000000000008.384.660
203199167169265288304283291352343337332334333327321316312310307312311309456442460.23453.92447
24292292849486965860353937412014191424252629283134394648.5951.8654.96
00000000000000000000000000518.14820.230
1211121628446355401219232573757981838795103116126138148155173.75185.13199.44
1511712636152464331313131291286287287287287288288288288288288290291.34291.34291.34
000000000252957355102109149271190185188201216194284220206228.9541.29444.5
0.250.250.420.480.450.480.520.440.430.680.530.50.480.820.820.860.970.90.90.910.930.960.951.051.151.141.722.341.44
0.250.250.420.480.450.480.520.440.430.680.530.50.480.820.820.860.970.90.90.910.930.960.951.051.151.1410.171.44
                                                         
159219234251263270273273274275279281282332332332332332332332332332332332332332341.32341.32341.32
148202642474745454550657983283283283283283283283283283283283283283321.8321.8321.8
0.060.170.170.20.270.370.470.530.570.720.860.951.111.171.251.311.361.451.531.641.761.841.982.062.22.42.732.883.33
0000000000000000000000000073.66-379.370
22002222247617569-28-17-118-321-80131211062160-1017712173.01-171.64-115.27
0.370.410.430.490.580.690.790.850.891.091.271.381.541.751.851.81.651.992.162.382.482.482.662.582.893.143.542.993.88
0000000000000000000000000038.7340.520
5780961051451821211451680000000006484827973768686156.67171.32268.93
00000000048901301146569452244454345515240736270.2852118.16
0000000000000000002.943.212.681.821.762.232.652.937.254.787.83
0000000000000000000000000021.521.70
0.060.080.10.110.150.180.120.150.170.050.090.130.110.070.070.050.020.043.053.342.81.951.882.342.813.0746.2345.548.21
0.050.050.10.170.260.260.250.230.410000000004.144.714.484.073.112.743.182.643.514.545.62
00000000012213315113452586274111119152140121127136146135127.07322.49284.9
0.390.540.450.421.081.621.541.481.666.295.977.168.4711.769.378.479.398.413.514.224.435.338.338.419.19.6411.049.9210.7
0.440.590.550.591.341.881.791.712.086.416.17.318.611.819.438.539.468.527.769.089.059.5211.5711.2912.4312.4214.6814.7816.6
0.490.670.640.71.492.061.911.862.246.466.197.448.7111.889.58.579.488.5610.8212.4211.8511.4613.4513.6415.2415.4960.9160.3224.81
0.861.071.081.192.072.752.692.73.137.557.468.8210.2613.6311.3510.3811.1410.5512.9714.814.3313.9416.1116.2118.1318.6364.4563.3128.69
Details

Balance Sheet

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Understanding the Balance Sheet

The balance sheet of Credito Emiliano SpA provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Credito Emiliano SpA's financial health and stability.

Assets

Credito Emiliano SpA's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Credito Emiliano SpA must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Credito Emiliano SpA after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Credito Emiliano SpA's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (B)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (B)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES ()TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (B)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
19951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
272048445213810710995144249232249155887896121115151166131186186201201352316562
00028335568766730252430362928303235384045495381869398104
00000000000000000000000000000
-0.020.030.05-0.050.07-0.1-0.01-0.11-0.04-0.26-0.140.02-0.171.02-1.29-0.13-0.01-0.040.03-0.07-0.120.030.03-0.03-0.09-0.06-0.082.922.56
24322600000061-27-126-141008376-108-52-116-50-4-90-138-82-55-167-2300-41
00000000000000000000000000000
00000000000000000000000000000
0.030.090.120.020.160.090.160.080.13-0.030.10.150.11.31-1.090.060.010.070.060.070.080.110.130.130.130.060.143.343.19
-16-84-44-40-46-89-96-42-5640-25-28-32-51-29-28-27-29-37-46-45-64-57-58-63-85-140-103-113
-22-88-38-98-144-79-110-3-5676-25-2218-354-29-34138-35-42-45-63-57-58-62-69-126-101-110
-6-45-58-9810-13380350650-3020-541372400001161413
00000000000000000000000000000
00000000000000000000000000000
32068662151050618165250000-3000-501-4251-63
-96-8148-4-2-49-60-62-48-50-123-931480-26-33-36-39-39-49-54-48-65-702-15-108-108
-13.00-14.00-133.00---22.00-1.00-11.00-7.00---------------66.00-----
00-16-18-25-31-48-54-54-54-68-139-98-1010-26-33-33-39-39-49-49-490-660-66-102-112
00.010-0.030.010.0100.010.0100.030.010.031.11-1.12-0.01-0.010.04-0.01-0.01-0.01-0.010.020.010-0.01-0.013.132.97
15.7478.9-21.8110.1-0.467.632.871.512.979126.168.31,259.2-1,117.227.5-14.135.526.427.936.749.568.772.270.6-28.4-5.023,233.483,073.86
00000000000000000000000000000

Credito Emiliano SpA stock margins

The Credito Emiliano SpA margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Credito Emiliano SpA. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Credito Emiliano SpA.

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Profit margin
Details

Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Credito Emiliano SpA's sales revenue. A higher gross margin percentage indicates that the Credito Emiliano SpA retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Credito Emiliano SpA's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Credito Emiliano SpA's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Credito Emiliano SpA's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Credito Emiliano SpA. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Credito Emiliano SpA's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Credito Emiliano SpA Margin History

DateCredito Emiliano SpA Profit margin
2027e24.93 %
2026e24.96 %
2025e26.52 %
2024e29.25 %
202317.35 %
202213.61 %
202116.69 %
20200 %
20190 %
20180 %
20170 %
20160 %
20150 %
20140 %
20130 %
20120 %
20110 %
20100 %
20090 %
20080 %
20070 %
20060 %
20050 %
20040 %

Credito Emiliano SpA Stock Sales Revenue, EBIT, Earnings per Share

The Credito Emiliano SpA earnings per share therefore indicates how much revenue Credito Emiliano SpA has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Credito Emiliano SpA earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Credito Emiliano SpA's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Credito Emiliano SpA’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Credito Emiliano SpA's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Credito Emiliano SpA Revenue, EBIT and net profit per share

DateCredito Emiliano SpA Sales per ShareCredito Emiliano SpA Earnings per Share
2027e5.77 undefined1.44 undefined
2026e5.68 undefined1.42 undefined
2025e5.68 undefined1.51 undefined
2024e5.95 undefined1.74 undefined
20239.53 undefined1.65 undefined
20226.86 undefined0.93 undefined
20216.29 undefined1.05 undefined
20200 undefined0.61 undefined
20190 undefined0.61 undefined
20180 undefined0.56 undefined
20170 undefined0.56 undefined
20160 undefined0.4 undefined
20150 undefined0.5 undefined
20140 undefined0.46 undefined
20130 undefined0.35 undefined
20120 undefined0.37 undefined
20110 undefined0.29 undefined
20100 undefined0.23 undefined
20090 undefined0.27 undefined
20080 undefined0.54 undefined
20070 undefined0.88 undefined
20060 undefined0.82 undefined
20050 undefined0.89 undefined
20040 undefined0.52 undefined

Credito Emiliano SpA business model

Credito Emiliano SpA, or Credem for short, is a bank headquartered in Reggio Emilia, Italy. The company was founded in 1910 and operates in the retail, corporate banking, and official financial transactions sectors. The history of Credem began as an initiative to protect local lending to support and promote the local economy. To this day, the bank's long-term orientation remains unchanged, and it continues to be deeply rooted within this geographical area. However, the bank's main business area is in Italy, where it operates nationwide, as well as in the United Kingdom and Luxembourg, where it operates as partner institutes. In recent years, the bank has experienced significant growth and expanded its business model to better meet the needs of its customers. The company has now established itself as a full-service bank offering a wide range of products and services tailored to different customer needs. Credem's leading position is due to its excellent customer orientation based on long-term relationships. The bank offers an extensive range of products, including savings accounts, credit cards, mortgages, trade credits, insurance, and investment funds. The company has also provided online banking services to offer even more flexibility to its customers. Credem has also specialized in providing support services for small and medium-sized enterprises (SMEs). The bank offers both traditional and innovative financing options to support SMEs in expanding and growing their businesses. Credem is also involved in asset management and offers a wide range of investment solutions tailored to customer needs. The company also has a professional asset management department that assists customers in identifying and implementing their investment strategies. Furthermore, Credem has a specialized department dealing with real estate business. In this area, the bank offers its customers customized solutions such as loans, financing, and consulting services. The bank has also specialized in providing trade services and offers a range of solutions to meet the requirements of companies and organizations involved in international trade. These include financing services, trade credit insurance, guarantees, and export financing. Overall, Credem is a versatile and customer-oriented bank that offers a wide range of products and services. The company is focused on long-term customer relationships and provides tailored solutions to meet the needs of its customers. The company also has a wide range of specialist departments that offer specialized services to meet the requirements of various customers and business models. Credito Emiliano SpA is one of the most popular companies on Eulerpool.com.

Credito Emiliano SpA SWOT Analysis

Strengths

Credito Emiliano SpA has a strong reputation in the banking industry, known for its reliability and customer service.

The company has a wide range of financial products, including mortgages, loans, and investment options, providing flexibility to its customers.

Credito Emiliano SpA has a solid financial position and a stable growth trajectory, allowing it to withstand market fluctuations.

Weaknesses

The company heavily relies on the Italian market, making it vulnerable to changes in the local economic conditions and regulatory environment.

Credito Emiliano SpA may lack a strong online presence and modern digital banking services compared to some of its competitors.

Limited international presence may restrict the company's growth opportunities and increase its exposure to domestic risks.

Opportunities

Expansion into emerging markets can diversify Credito Emiliano SpA's customer base and reduce dependence on the Italian market.

Collaborations with financial technology (fintech) companies can enable the company to offer innovative digital banking solutions, attracting tech-savvy customers.

The growing demand for sustainable finance presents an opportunity for Credito Emiliano SpA to develop products and services aligned with environmental and social responsibility.

Threats

Intense competition from other established banks and emerging fintech startups may erode Credito Emiliano SpA's market share.

Economic downturns or financial crises can negatively impact the company's profitability and asset quality.

Changes in regulatory policies, including interest rate regulations and capital requirements, may affect the company's operations and profitability.

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Credito Emiliano SpA Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Credito Emiliano SpA historical P/E ratio, EBIT multiple, and P/S ratio

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Credito Emiliano SpA shares outstanding

The number of shares was Credito Emiliano SpA in 2024 — This indicates how many shares 339.954 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Credito Emiliano SpA earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Credito Emiliano SpA's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Credito Emiliano SpA’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Credito Emiliano SpA's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Credito Emiliano SpA stock splits

In Credito Emiliano SpA's history, there have been no stock splits.

Credito Emiliano SpA dividend history and estimates

In 2024, Credito Emiliano SpA paid a dividend amounting to 0.65 EUR. Dividend means that Credito Emiliano SpA distributes a portion of its profits to its owners.

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  • Max

Dividend
Dividend (Estimate)
Details

Dividend

ⓘ

Dividend Overview

The dividend per year chart for Credito Emiliano SpA provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Credito Emiliano SpA’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Credito Emiliano SpA's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Credito Emiliano SpA Dividend History

DateCredito Emiliano SpA Dividend
2027e0.35 undefined
2026e0.35 undefined
2025e0.35 undefined
2024e0.35 undefined
20230.33 undefined
20220.3 undefined
20210.2 undefined
20190.2 undefined
20180.2 undefined
20170.15 undefined
20160.15 undefined
20150.15 undefined
20140.12 undefined
20130.12 undefined
20120.1 undefined
20110.1 undefined
20100.08 undefined
20080.36 undefined
20070.35 undefined
20060.5 undefined
20050.25 undefined
20040.2 undefined

Credito Emiliano SpA dividend payout ratio

In 2024, Credito Emiliano SpA had a payout ratio of 25.86%. The payout ratio indicates the percentage of the company's profits that Credito Emiliano SpA distributes as dividends.

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Payout ratio
Details

Payout ratio

ⓘ

What is Yearly Payout Ratio?

The yearly payout ratio for Credito Emiliano SpA represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Credito Emiliano SpA could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Credito Emiliano SpA's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Credito Emiliano SpA Payout Ratio History

DateCredito Emiliano SpA Payout ratio
2027e26.92 %
2026e26.79 %
2025e28.13 %
2024e25.86 %
202326.39 %
202232.13 %
202119.05 %
202027.99 %
201932.79 %
201835.71 %
201726.79 %
201637.5 %
201530 %
201426.09 %
201334.29 %
201227.03 %
201134.48 %
201034.78 %
200927.99 %
200866.67 %
200739.77 %
200660.98 %
200528.09 %
200438.46 %
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Unfortunately, there are currently no price targets and forecasts available for Credito Emiliano SpA.

Credito Emiliano SpA latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
12/31/20170.8 0.12  (-85.08 %)2017 Q4
9/30/20120.12 0.11  (-11 %)2012 Q3
3/31/20120.09 0.08  (-8.68 %)2012 Q1
12/31/20110.11 0.01  (-88.53 %)2011 Q4
9/30/20110.05 0.1  (94.17 %)2011 Q3
6/30/20110.13 0.07  (-48.47 %)2011 Q2
6/30/20100.15 0.1  (-35.28 %)2010 Q2
12/31/20090.22 0.06  (-70.41 %)2009 Q4
3/31/20090.13 0.04  (-73.11 %)2009 Q1
12/31/2008-0.52 -0.05  (90.29 %)2008 Q4
1

Eulerpool ESG Scorecard© for the Credito Emiliano SpA stock

Eulerpool World ESG Rating (EESG©)

76/ 100

🌱 Environment

99

👫 Social

99

🏛️ Governance

29

Environment

Scope 1 - Direct Emissions
2,831
Scope 2 - Indirect emissions from purchased energy
7,406.7
Scope 3 - Indirect emissions within the value chain
8,555,190
Total CO₂ emissions
10,237.7
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees38.7
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Credito Emiliano SpA shareholders

%
Name
Stocks
Change
Date
79.47002 % Credito Emiliano Holding, SpA271,247,05607/15/2024
0.85464 % Janus Henderson Investors2,917,049-28,7649/30/2024
0.61215 % The Vanguard Group, Inc.2,089,397-68,2179/30/2024
0.46466 % Anima SGR S.p.A.1,585,96997,5953/31/2024
0.44982 % Dimensional Fund Advisors, L.P.1,535,316748/31/2024
0.43845 % DFA Australia Ltd.1,496,517-27/31/2024
0.42566 % DWS Investment GmbH1,452,85912,3619/30/2024
0.36496 % Mediolanum Gestione Fondi SGR p.A.1,245,694-200,0003/31/2024
0.36097 % Eurizon Capital SGR S.p.A.1,232,06609/30/2024
0.35893 % BlackRock Institutional Trust Company, N.A.1,225,0964,5429/30/2024
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Credito Emiliano SpA Executives and Management Board

Mr. Enrico Corradi

(64)
Credito Emiliano SpA Executive Vice Chairman of the Board (since 2018)
Compensation 93,000

Dr. Lucio Zanon Di Valgiurata

(66)
Credito Emiliano SpA Non-Executive Chairman of the Board (since 2018)
Compensation 90,000

Mr. Luigi Maramotti

(66)
Credito Emiliano SpA Non-Executive Vice Chairman of the Board (since 2021)
Compensation 49,000

Mr. Giovanni Viani

(59)
Credito Emiliano SpA Non-Executive Director
Compensation 37,000

Mr. Angelo Campani

Credito Emiliano SpA General Manager (since 2023)
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3
4
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5

Most common questions regarding Credito Emiliano SpA

What values and corporate philosophy does Credito Emiliano SpA represent?

Credito Emiliano SpA represents a strong set of values and corporate philosophy. With a focus on customer satisfaction, the company is committed to providing exceptional financial services. Credito Emiliano SpA prioritizes integrity, transparency, and trust in all its operations. By nurturing long-term relationships with clients, the company aims to offer tailored solutions that meet their unique needs. Known for its reliability and innovation, Credito Emiliano SpA strives to foster sustainable development, supporting the growth of local businesses and communities. With its customer-centric approach and commitment to excellence, Credito Emiliano SpA stands out in the financial industry.

In which countries and regions is Credito Emiliano SpA primarily present?

Credito Emiliano SpA is primarily present in Italy.

What significant milestones has the company Credito Emiliano SpA achieved?

Credito Emiliano SpA has achieved several significant milestones throughout its history. Notably, the company played a crucial role in supporting the local economy during times of financial crisis. In 1958, it became the first Italian bank to offer loans for agricultural purposes. Credito Emiliano SpA also expanded its services by providing innovative financial solutions to small and medium-sized enterprises. Additionally, it established solid relationships with international markets and investors, contributing to its growth and overall success. Through these accomplishments, Credito Emiliano SpA has established itself as a leading financial institution, dedicated to serving its customers and fostering economic development.

What is the history and background of the company Credito Emiliano SpA?

Credito Emiliano SpA, also known as Credem, is a reputable Italian banking group with a rich history. Established in 1910, Credem has grown to become one of the country's largest cooperative banks. With its headquarters in Reggio Emilia, Credem has expanded its presence across Italy, offering a wide range of banking services to individuals, businesses, and institutions. Throughout its history, Credem has upheld a strong commitment to customer satisfaction, focusing on innovation and personalized financial solutions. Today, it continues to be a trusted name in the Italian banking sector, renowned for its stability, reliability, and customer-oriented approach.

Who are the main competitors of Credito Emiliano SpA in the market?

The main competitors of Credito Emiliano SpA in the market are other prominent Italian banks such as UniCredit, Intesa Sanpaolo, and Banco BPM. These companies are widely recognized players in the Italian banking sector and compete with Credito Emiliano SpA in various financial services including retail and corporate banking, asset management, and insurance. Credito Emiliano SpA strives to maintain its competitive edge through innovative products, personalized customer service, and a strong focus on regional markets where it has built a loyal customer base.

In which industries is Credito Emiliano SpA primarily active?

Credito Emiliano SpA is primarily active in banking, financial services, and insurance industries.

What is the business model of Credito Emiliano SpA?

The business model of Credito Emiliano SpA focuses on providing financial services to individuals, businesses, and institutions. As a leading Italian bank, Credito Emiliano specializes in commercial banking, offering a wide range of products and services such as loans, mortgages, savings accounts, and investment solutions. The company also focuses on supporting local economies and fostering lasting relationships with its customers. By leveraging its extensive network and industry expertise, Credito Emiliano aims to deliver innovative and tailored financial solutions that meet the diverse needs of its clients.

What is the P/E ratio of Credito Emiliano SpA 2025?

The Credito Emiliano SpA P/E ratio is 7.12.

What is the P/S ratio of Credito Emiliano SpA 2025?

The Credito Emiliano SpA P/S ratio is 1.89.

What is the Quality Investing of Credito Emiliano SpA?

The Quality Investing for Credito Emiliano SpA is 3/10.

What is the revenue of Credito Emiliano SpA 2025?

The expected Credito Emiliano SpA revenue is 1.94 B EUR.

How high is the profit of Credito Emiliano SpA 2025?

The expected Credito Emiliano SpA profit is 513.77 M EUR.

What is the business model of Credito Emiliano SpA

The Credito Emiliano SpA, abbreviated as Credem, is an Italian bank headquartered in the northern Italian city of Reggio nell'Emilia. Founded in 1910, Credem is now a major player in the Italian financial market with a total assets of over 44 billion euros. Their business model is based on various divisions, including retail customers, corporate customers, investment banking, and insurance. Credem offers a wide range of financial services for retail customers, including accounts, credit cards, loans, savings, and investment products, with a focus on personalized advice and individual customer care. For corporate customers, Credem provides comprehensive financial services for small and medium-sized enterprises as well as large corporations, specializing in specific industries such as agriculture, textile and fashion, and tourism. In the field of investment banking, Credem acts as a consultant and arranger for mergers, acquisitions, and capital market transactions, offering extensive services in asset management and wealth management with an emphasis on sustainable and responsible investment strategies. The bank also offers insurance products in the areas of life, health, accident, and property insurance, collaborating with renowned insurance companies to provide tailored solutions to its customers. Customer orientation and strong commitment to the region in which the bank operates are particularly important to Credem. For example, the bank supports the local economy through loans and the organization of events and seminars for small and medium-sized enterprises. Overall, Credem's business model is characterized by broad diversification and expertise in various areas. Through a strong customer orientation and individualized advice, the bank has built a loyal customer base and established itself as a significant player in the Italian financial market.

What is the Credito Emiliano SpA dividend?

Credito Emiliano SpA pays a dividend of 0.3 EUR distributed over payouts per year.

How often does Credito Emiliano SpA pay dividends?

The dividend cannot currently be calculated for Credito Emiliano SpA or the company does not pay out a dividend.

What is the Credito Emiliano SpA ISIN?

The ISIN of Credito Emiliano SpA is IT0003121677.

What is the Credito Emiliano SpA WKN?

The WKN of Credito Emiliano SpA is 866464.

What is the Credito Emiliano SpA ticker?

The ticker of Credito Emiliano SpA is CE.MI.

How much dividend does Credito Emiliano SpA pay?

Over the past 12 months, Credito Emiliano SpA paid a dividend of 0.33 EUR . This corresponds to a dividend yield of about 3.07 %. For the coming 12 months, Credito Emiliano SpA is expected to pay a dividend of 0.35 EUR.

What is the dividend yield of Credito Emiliano SpA?

The current dividend yield of Credito Emiliano SpA is 3.07 %.

When does Credito Emiliano SpA pay dividends?

Credito Emiliano SpA pays a quarterly dividend. This is distributed in the months of June, June, June, November.

How secure is the dividend of Credito Emiliano SpA?

Credito Emiliano SpA paid dividends every year for the past 7 years.

What is the dividend of Credito Emiliano SpA?

For the upcoming 12 months, dividends amounting to 0.35 EUR are expected. This corresponds to a dividend yield of 3.23 %.

In which sector is Credito Emiliano SpA located?

Credito Emiliano SpA is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Credito Emiliano SpA kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Credito Emiliano SpA from 10/16/2024 amounting to 0.2 EUR, you needed to have the stock in your portfolio before the ex-date on 10/14/2024.

When did Credito Emiliano SpA pay the last dividend?

The last dividend was paid out on 10/16/2024.

What was the dividend of Credito Emiliano SpA in the year 2024?

In the year 2024, Credito Emiliano SpA distributed 0.33 EUR as dividends.

In which currency does Credito Emiliano SpA pay out the dividend?

The dividends of Credito Emiliano SpA are distributed in EUR.

All fundamentals about Credito Emiliano SpA

Our stock analysis for Credito Emiliano SpA Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Credito Emiliano SpA Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.