Credito Emiliano SPA Credem (IT:CE)
:CE
Want to see IT:CE full AI Analyst Report?
CE Stock Chart & Stats
€15.42
€0.10(0.93%)
At close: 4:00 PM EST
€15.42
€0.10(0.93%)
Day’s Range― - ―
52-Week Range€11.94 - €16.26
Previous CloseN/A
Volume148.46K
Average Volume (3M)135.84K
Market Cap
€5.30B
Enterprise Value€12.04B
Total Cash (Recent Filing)€2.05B
Total Debt (Recent Filing)€5.34B
Price to Earnings (P/E)10.0
Beta1.00
Next Earnings
Aug 04, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield6.23%
Share Statistics
EPS (TTM)1.96
Shares Outstanding341,320,070
10 Day Avg. Volume178,195
30 Day Avg. Volume135,843
Financial Highlights & Ratios
PEG Ratio15.27
Price to Book (P/B)1.12
Price to Sales (P/S)1.77
P/FCF Ratio21.02
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€16.20Price Target Upside5.06% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)1.48
Revenue Forecast (FY)€1.94B
Bulls Say, Bears Say
Bulls Say
Sustained ProfitabilityConsistent, high margins and resilient net income across 2023–2025 indicate entrenched core earnings power. That margin durability supports internal capital generation, dividend capacity and reinvestment, helping the bank absorb cyclical shocks and fund strategic initiatives over months.
Diversified Revenue MixA mix of net interest income and recurring fee businesses (payments, wealth and insurance distribution) reduces reliance on a single revenue source. Structural fee streams from wealth/insurance help stabilize income through credit cycles and support margin resilience over the medium term.
Sizable Balance Sheet With Healthy ROEScale (c.€68B assets) and mid-teens ROE provide competitive advantages: funding scale, lending capacity and attractive returns for shareholders. Prior leverage improvement demonstrates capacity to deleverage, giving operational flexibility and credibility with regulators and counterparties.
Bears Say
Highly Volatile Cash FlowLarge year-to-year swings in operating and free cash flow undermine confidence in the bank's ability to consistently fund operations, dividends and reserves. The sharp 2024 outflow shows vulnerability to timing, liquidity or structural funding shifts that complicate multi-quarter planning.
Leverage Swings And Rising DebtVolatile debt-to-equity and the increase in leverage in 2025 reduce capital stability and raise funding risk. For a regional bank, such swings can pressure capital ratios, regulatory buffers and borrowing costs, limiting strategic flexibility and increasing downside in stress scenarios.
Uneven Revenue GrowthRecent negative reported revenue growth and documented volatility across years signal inconsistent top-line momentum. Even with strong margins, uneven revenue complicates forecasting, may reflect competitive or demand pressures, and limits confidence in sustained earnings expansion.
Credito Emiliano SPA Credem News
CE FAQ
What was Credito Emiliano SPA Credem’s price range in the past 12 months?
Credito Emiliano SPA Credem lowest stock price was €11.94 and its highest was €16.26 in the past 12 months.
What is Credito Emiliano SPA Credem’s market cap?
Credito Emiliano SPA Credem’s market cap is €5.30B.
When is Credito Emiliano SPA Credem’s upcoming earnings report date?
Credito Emiliano SPA Credem’s upcoming earnings report date is Aug 04, 2026 which is in 54 days.
How were Credito Emiliano SPA Credem’s earnings last quarter?
Credito Emiliano SPA Credem released its earnings results on May 05, 2026. The company reported €0.409 earnings per share for the quarter, beating the consensus estimate of N/A by €0.409.
Is Credito Emiliano SPA Credem overvalued?
According to Wall Street analysts Credito Emiliano SPA Credem’s price is currently Undervalued.
Does Credito Emiliano SPA Credem pay dividends?
Credito Emiliano SPA Credem pays a Annually dividend of €0.75 which represents an annual dividend yield of 6.23%. See more information on Credito Emiliano SPA Credem dividends here
What is Credito Emiliano SPA Credem’s EPS estimate?
Credito Emiliano SPA Credem’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Credito Emiliano SPA Credem have?
Credito Emiliano SPA Credem has 341,320,070 shares outstanding.
What happened to Credito Emiliano SPA Credem’s price movement after its last earnings report?
Credito Emiliano SPA Credem reported an EPS of €0.409 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.937%.
Which hedge fund is a major shareholder of Credito Emiliano SPA Credem?
Currently, no hedge funds are holding shares in IT:CE
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Credito Emiliano SPA Credem
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.
CE Stock 12 Month Forecast
Average Price Target
€16.20
▲(5.06% Upside)
Technical Analysis
Options Prices
Currently, No data available
---