1. Italy Stocks

  2. •

    Finance

  3. •

    Major banks
Credito Emiliano S.p.A.

Credito Emiliano S.p.A.

19.51
EUR
-0.55
(-2.74%)
1.65EPS
10.28P/E
5.78BMarket Cap
Nov 05Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
3.25
3.54
3.74
3.66
3.81
3.86
4.01
3.97
4.42
4.73
6.07
6.45
6.11
6.48
Basic EPS, GAAP
0.35
0.46
0.5
0.4
0.56
0.56
0.61
0.61
1.05
0.96
1.65
1.82
1.83
1.65
Free Cash Flow per Basic Share
0.08
0.08
0.11
0.15
0.21
0.22
0.21
- -
-0.01
9.5
9.04
-5.6
-7.74
- -
Dividend per Share
0.12
0.12
0.15
0.15
0.15
0.2
0.2
- -
0.2
0.3
0.33
0.65
0.75
- -
Book Value per Share
6.51
7.17
7.48
7.48
8.01
7.77
8.73
9.47
10.16
9.9
11.38
12.6
13.73
13.89
Tangible Book Value per Share
5.38
6.01
6.3
6.26
6.76
6.48
7.41
8.13
8.79
8.49
9.94
11.13
12.21
12.39
Basic Weighted Avg Shares
331
331
332
332
331
331
331
332
335
340
340
341
340
340
Sales/Revenue/Turnover
1,075
1,174
1,240
1,214
1,259
1,278
1,327
1,316
1,481
1,611
2,065
2,199
2,075
2,204
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
35
39
41
46
50
53
82
86
93
98
105
107
111
119
Net Income, GAAP
116
152
166
132
186
187
201
202
352
326
562
620
621
563
Effective Tax Rate (%)
45.08
39.61
30.53
36.73
31.4
30.97
32.08
20.12
24.37
31.37
31.88
31.94
28.46
33.84
Profit Margin (%)
10.78
12.93
13.4
10.87
14.82
14.61
15.17
15.31
23.8
20.24
27.23
28.2
29.94
25.52
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
4,534
5,217
5,218
4,803
3,898
3,224
3,615
2,877
3,171
4,208
5,304
5,134
5,187
5,343
Total Equity
2,156
2,377
2,480
2,474
2,651
2,573
2,884
3,134
3,460
3,360
3,871
4,293
4,663
4,723
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
1.77
2.12
2.17
1.76
2.7
3.02
3.27
3.22
5.57
4.59
6.71
6.67
6.45
5.67
Return on Common Equity (%)
5.6
6.7
6.84
5.33
7.28
7.15
7.38
6.7
10.69
9.56
15.55
15.19
13.88
12.29

Capital Structure

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
340
340
340
Market Capitalization
5,224
4,959
5,785

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,870
1,319
1,284
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.7%
8.45%
8.63%
Free Cash Flow
-6,644.55%
-13,284.53%
37.83%
Net Income, GAAP
17.91%
30.05%
0.23%
Sales/Revenue/Turnover
5.65%
10.07%
-5.6%
Total Cash Common Dividend
- -
- -
15.56%

Quarterly Revenue

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
554
554
493
597
2,199
2025
508
526
483
558
2,075
2026
537
626
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.47
0.48
0.48
0.39
1.82
2025
0.67
0.42
0.39
0.34
1.83
2026
0.41
0.51
- -
- -
- -

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.65
2025
- -
- -
- -
- -
0.75
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Stefano Morellini
Full Time Employees
6,683
Sector
Finance
Industry
Major banks
Address
Via Emilia San Pietro No. 4 Reggio Emilia RE Italy 42100
IPO Date
Oct 1, 1997
Website
credem.it
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Business
Credito Emiliano S.p.A. (Credem) engages in commercial banking, wealth management, and financial services primarily in Italy. The bank, founded in 1910 and headquartered in Reggio Emilia, Emilia-Romagna, offers retail and corporate banking products including current accounts, personal and business loans, mortgages, deposit accounts, and credit cards through Credem Banca and Credem Banca d'Impresa divisions; leasing and factoring via Credemleasing and Credemfactor; private banking and asset management through Banca Euromobiliare, Euromobiliare Asset Management SGR, and Credem Private Equity SGR; insurance products from Credemvita and Credemassicurazioni; corporate finance, securities trading, fund management, and payment services; as well as international trade finance via Credem International Lux. It operates through approximately 590 branches nationwide with segments in commercial banking, bancassurance, finance, and support services, controlled by Credem Holding, majority-owned by the Maramotti family. In November 2024, Credem signed a long-term strategic partnership with Worldline for merchant acquiring and POS management covering over 25,000 merchants and 32,000 terminals processing about 3 billion euros annually, with deal closure expected in 2025; the bank also launched a 1 billion euro Commercial Paper Programme in September 2023 and continues enhancing digital omnichannel services while earning recognition as one of Europe's most solid banks by the European Central Bank.