1. Italy Stocks

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    Finance

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    Major banks
Credito Emiliano S.p.A.

Credito Emiliano S.p.A.

19.56
EUR
-0.33
(-1.66%)
1.65EPS
10.26P/E
5.77BMarket Cap
Nov 05Next Earn
Credito Emiliano S.p.A.
IOB:0K93
(London Stock Exchange (International))

Recent

price

19.56

P/E

ratio

10.26

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
EUR
2.92
2.92
3.14
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
Revenue per Share
0.23
0.29
0.37
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
Basic EPS, GAAP
0.08
-0.04
0.11
0.08
0.08
0.11
0.15
0.21
0.22
0.21
- -
-0.01
9.5
9.04
-5.6
-7.74
- -
Free Cash Flow per Basic Share
0.08
0.1
0.1
0.12
0.12
0.15
0.15
0.15
0.2
0.2
- -
0.2
0.3
0.33
0.65
0.75
- -
Dividend per Share
5.43
4.97
5.99
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
Book Value per Share
4.32
3.86
4.87
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
Tangible Book Value per Share
332
332
332
331
331
332
332
331
331
331
332
335
340
340
341
340
340
Basic Weighted Avg Shares
970
971
1,042
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
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
29
30
33
35
39
41
46
50
53
82
86
93
98
105
107
111
119
Depreciation Expense
78
97
121
116
152
166
132
186
187
201
202
352
326
562
620
621
563
Net Income, GAAP
53.62
56.96
46.83
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
Effective Tax Rate (%)
8.04
9.95
11.64
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
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
4,457
5,030
4,412
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
LT Debt
1,804
1,652
1,985
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
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
1.09
1.49
1.85
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 Capital (%)
3.2
5.59
6.67
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
Return on Common Equity (%)

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
5,183
4,918
5,775

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
- -
- -
- -
- -
- -
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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.