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Credito Emiliano SPA Credem (GB:0K93)
LSE:0K93
0K93 Stock Chart & Stats
€15.42
€0.00(0.00%)
At close: 4:00 PM EST
€15.42
€0.00(0.00%)
Day’s Range― - ―
52-Week Range€10.06 - €16.22
Previous CloseN/A
Volume0.00
Average Volume (3M)335.00
Market Cap
€5.26B
Enterprise Value€13.01B
Total Cash (Recent Filing)€2.05B
Total Debt (Recent Filing)€5.34B
Price to Earnings (P/E)8.5
Beta1.23
Next Earnings
May 05, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.34
Shares Outstanding341,320,070
10 Day Avg. Volume455
30 Day Avg. Volume335
Financial Highlights & Ratios
PEG Ratio0.00
Price to Book (P/B)1.12
Price to Sales (P/S)1.72
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 TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
High And Stable ProfitabilitySustained net margins near 18%–22% and EBIT margins around 27%–30% indicate structural profitability. This margin profile supports durable internal capital generation, allows consistent shareholder returns and buffers cyclical loan losses, underpinning long-term earnings resilience.
Diversified Revenue StreamsCredem earns from lending interest, transaction and advisory fees, wealth-management fees and insurance partnerships. This mix reduces dependence on a single income source, smoothing revenue across rate and cycle shifts and supporting predictable fee income over the medium term.
Sizeable Balance Sheet & Solid ROEA ~€68B asset base and mid‑teens return on equity provide scale and attractive capital efficiency for regional banking. Size enables diversified lending and fee opportunities; sustained ROE near 13%–14% supports capital returns and reinvestment capacity over multiple cycles.
Bears Say
Highly Volatile Cash FlowLarge swings in operating cash flow—from strong inflows to a deep 2024 outflow and only modest recovery—signal inconsistent cash conversion. This reduces confidence in sustainable free cash generation, complicates dividend policy and constrains funding flexibility for strategic investments.
Leverage Swings And Rising DebtMaterial swings in leverage and a rise in absolute debt in 2025 raise balance-sheet risk. Variable leverage increases sensitivity to funding costs and regulatory capital pressures, potentially limiting lending capacity or forcing costly capital actions during adverse cycles.
Uneven Revenue GrowthWhile multi-year revenue increased, the path is volatile—flat in 2024 and an unusually large 2025 change suggesting momentum inconsistency or data noise. Persistent top-line volatility complicates forecasting, investment planning and may reflect competitive or cyclical pressures on core franchises.
Credito Emiliano SPA Credem News
0K93 FAQ
What was Credito Emiliano SPA Credem’s price range in the past 12 months?
Credito Emiliano SPA Credem lowest share price was €10.06 and its highest was €16.22 in the past 12 months.
What is Credito Emiliano SPA Credem’s market cap?
Credito Emiliano SPA Credem’s market cap is €5.26B.
When is Credito Emiliano SPA Credem’s upcoming earnings report date?
Credito Emiliano SPA Credem’s upcoming earnings report date is May 05, 2026 which is in 69 days.
How were Credito Emiliano SPA Credem’s earnings last quarter?
Credito Emiliano SPA Credem released its earnings results on Feb 05, 2026. The company reported €0.337 earnings per share for the quarter, beating the consensus estimate of N/A by €0.337.
Is Credito Emiliano SPA Credem overvalued?
According to Wall Street analysts Credito Emiliano SPA Credem’s price is currently Overvalued.
Does Credito Emiliano SPA Credem pay dividends?
Credito Emiliano SPA Credem does not currently pay dividends.
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 €0.337 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of Credito Emiliano SPA Credem?
Currently, no hedge funds are holding shares in GB:0K93
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., together with its subsidiaries, provides various banking services to retail and corporate customers primarily in Italy. It operates through Commercial Banking, Asset Management, Bancassurance, Trading, ALM Treasury, and Corporate Centre and Other segments. The company's deposit products include current and savings accounts, time deposits, certificates of deposit, bonds, and subordinated debts; and loan portfolio comprises mortgages, credit cards, personal loans, and salary-backed loans. It also offers wealth management services, including management of mutual investment funds, SICAV, portfolio management, and private equity and hedge funds; and asset management, bancassurance, fiduciary, remote banking, savings management, brokerage, financial leasing, factoring, insurance, and ALM treasury services. In addition, the company provides cheese warehousing, real estate management, and trading services, as well as develops software. As of December 31, 2021, it operated through 625 branches, business centers, and financial outlets in 20 regions. The company was founded in 1910 and is headquartered in Reggio Emilia, Italy. Credito Emiliano S.p.A. is a subsidiary of Credito Emiliano Holding S.p.A.
Technical Analysis
Banca Ifis SPA
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Banca Popolare di Sondrio S.C.p.A.
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Banca Profilo SPA
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Banco di Desio e Della Brianza SPA
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Options Prices
Currently, No data available
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