Credito Emiliano SPA Credem (IT:CE)
:CE
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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€12.20 - €17.06
Previous CloseN/A
Volume148.46K
Average Volume (3M)135.84K
Market Cap
€5.75B
Enterprise Value€12.50B
Total Cash (Recent Filing)€2.05B
Total Debt (Recent Filing)€5.34B
Price to Earnings (P/E)10.9
Beta1.01
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 Ratio15.20
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 ProfitabilityCredem has maintained high net and EBIT margins across recent years, producing resilient net income (≈€562M–€621M). Durable margins support internal capital generation, enable steady dividends and reinvestment, and provide buffer versus cyclical revenue swings over the medium term.
Scale And Balance Sheet SizeA sizable balance sheet (~€68B) gives Credem scale benefits in lending, deposits and product distribution. Size supports diversified funding, risk pooling, and cross-selling across retail, SME and wealth channels, strengthening competitive position over the next several quarters.
Diversified Income StreamsCredem's business model earns from net interest plus fee income and insurance/asset-management revenues, reducing reliance on any single cycle. This mix supports revenue resilience, recurring fee capture and bancassurance cross-sell potential that sustainably smooths earnings.
Bears Say
Inconsistent Cash GenerationWide swings in operating and free cash flow—large inflows in 2022–23, a sharp outflow in 2024, and only modest recovery in 2025—undercut predictability for funding lending growth, capital returns and provisioning, raising medium-term liquidity planning risk.
Leverage VolatilityMaterial swings in leverage across recent years reflect changing funding mixes and debt growth. This volatility heightens refinancing and capital management risk, can increase funding costs in stress, and complicates long-term planning for lending and dividend policy.
Revenue/Growth InconsistencyIrregular top-line progress—with flat 2024 revenue and noisy 2025 figures—signals uneven demand or reporting noise. Persistent growth inconsistency limits visibility on sustainable expansion, hinders operating-leverage realization, and raises execution risk for medium-term strategy.
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 €12.20 and its highest was €17.06 in the past 12 months.
What is Credito Emiliano SPA Credem’s market cap?
Credito Emiliano SPA Credem’s market cap is €5.75B.
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 38 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
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