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Credito Emiliano SPA Credem (GB:0K93)
LSE:0K93
Total Valuation
Credito Emiliano SPA Credem has a market cap or net worth of €4.78B. The enterprise value is €11.03B.
Market Cap€4.78B
Enterprise Value€11.03B
Share Statistics
Credito Emiliano SPA Credem has 341,320,070 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding341,320,070
Owned by Insiders―
Owned by Institutions―
Financial Efficiency
Credito Emiliano SPA Credem’s return on equity (ROE) is 0.13 and return on invested capital (ROIC) is 0.91%.
Return on Equity (ROE)0.13
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)0.91%
Return on Capital Employed (ROCE)0.01
Revenue Per Employee481.95K
Profits Per Employee98.82K
Employee Count6,289
Asset Turnover0.04
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Credito Emiliano SPA Credem is 8.4. Credito Emiliano SPA Credem’s PEG ratio is 0.00.
PE Ratio8.4
PS Ratio1.72
PB Ratio1.12
Price to Fair Value1.12
Price to FCF21.02
Price to Operating Cash Flow-2.12
PEG Ratio0.00
Income Statement
In the last 12 months, Credito Emiliano SPA Credem had revenue of 3.03B and earned 621.47M in profits. Earnings per share was 1.82.
Revenue3.03B
Gross Profit2.42B
Operating Income868.65M
Pretax Income861.55M
Net Income621.47M
EBITDA906.74M
Earnings Per Share (EPS)1.82
Cash Flow
In the last 12 months, operating cash flow was -2.27B and capital expenditures -30.19M, giving a free cash flow of -2.30B billion.
Operating Cash Flow-2.27B
Free Cash Flow-2.30B
Free Cash Flow per Share-6.72
Dividends & Yields
Credito Emiliano SPA Credem pays an annual dividend of ―, resulting in a dividend yield of ―
Dividend Per Share―
Dividend Yield―
Payout RatioN/A
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.21
52-Week Price Change16.06%
50-Day Moving Average15.27
200-Day Moving Average14.06
Relative Strength Index (RSI)33.96
Average Volume (3m)335.00
Important Dates
Credito Emiliano SPA Credem upcoming earnings date is May 5, 2026, TBA (Confirmed).
Last Earnings DateFeb 5, 2026
Next Earnings DateMay 5, 2026
Ex-Dividend Date―
Financial Position
Credito Emiliano SPA Credem as a current ratio of 42.78, with Debt / Equity ratio of 163.82%
Current Ratio42.78
Quick Ratio42.78
Debt to Market Cap1.46
Net Debt to EBITDA6.88
Interest Coverage Ratio1.54
Taxes
In the past 12 months, Credito Emiliano SPA Credem has paid 247.18M in taxes.
Income Tax247.18M
Effective Tax Rate0.29
Enterprise Valuation
Credito Emiliano SPA Credem EV to EBITDA ratio is 12.63, with an EV/FCF ratio of 46.15.
EV to Sales3.78
EV to EBITDA12.63
EV to Free Cash Flow46.15
EV to Operating Cash Flow38.28
Balance Sheet
Credito Emiliano SPA Credem has €2.05B in cash and marketable securities with €5.34B in debt, giving a net cash position of -€3.29B billion.
Cash & Marketable Securities€2.05B
Total Debt€5.34B
Net Cash-€3.29B
Net Cash Per Share-€9.65
Tangible Book Value Per Share€12.15
Margins
Gross margin is 75.45%, with operating margin of 28.66%, and net profit margin of 20.50%.
Gross Margin75.45%
Operating Margin28.66%
Pretax Margin28.43%
Net Profit Margin20.50%
EBITDA Margin29.92%
EBIT Margin28.36%
Analyst Forecast
The average price target for Credito Emiliano SPA Credem is €16.20, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target€16.20
Price Target Upside5.06% Upside
Analyst ConsensusHold
Analyst Count1
Revenue Growth Forecast―
EPS Growth Forecast―