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CE Stock Chart & Stats
€18.95
-€0.20(-1.06%)
At close: 4:00 PM EDT
€18.95
-€0.20(-1.06%)
Day’s Range― - ―
52-Week Range€12.74 - €20.72
Previous CloseN/A
Volume174.08K
Average Volume (3M)135.84K
Market Cap
€6.46B
Enterprise Value€13.41K
Total Cash (Recent Filing)€1.32B
Total Debt (Recent Filing)€8.13B
Price to Earnings (P/E)12.2
Beta1.01
Next Earnings
Nov 05, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.95%
Share Statistics
EPS (TTM)1.56
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 Upside-14.51% Downside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)1.53
Revenue Forecast (FY)€1.97B
Bulls Say, Bears Say
Bulls Say
Margin SustainabilityHigh and stable net and EBIT margins (~18–22% net; ~27–30% EBIT) indicate a profitable mix of lending, fees and insurance. Sustained margins support recurring earnings, bolster ROE and provide capacity for dividends and reinvestment even if volumes fluctuate.
Balance Sheet ScaleA sizable balance sheet (~€68B) gives Credem scale to serve retail and corporate clients, diversify credit exposures, and allocate capital across lending, wealth and insurance. Scale supports funding stability, distribution reach and underwriting capacity over the medium term.
Top‑Line ExpansionMeaningful revenue growth since 2020 reflects successful product expansion and cross‑selling (lending, fees, insurance). Durable top‑line expansion diversifies income sources, reduces dependence on single segments and strengthens structural revenue generation.
Bears Say
Cash‑Flow VolatilitySharp swings in operating cash flow undermine confidence in internal funding and operational stability. Volatility complicates capital planning, increases reliance on external financing, and may constrain dividends or loan growth when cash generation is weak.
Leverage InstabilityThe rebound in debt‑to‑equity in 2025 signals leverage instability. Rising leverage reduces prudential buffers, elevates funding and regulatory risk, and limits flexibility to absorb credit shocks or pursue growth without raising capital or cutting payouts.
Uneven Revenue MomentumAn inconsistent growth pattern—flat 2024 and an apparently outsized 2025 increase—suggests reliance on episodic items or reporting effects rather than steady organic growth. That uncertainty hampers forecasting and long‑term capital allocation decisions.
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 €12.74 and its highest was €20.72 in the past 12 months.
What is Credito Emiliano SPA Credem’s market cap?
Credito Emiliano SPA Credem’s market cap is €6.46B.
When is Credito Emiliano SPA Credem’s upcoming earnings report date?
Credito Emiliano SPA Credem’s upcoming earnings report date is Nov 05, 2026 which is in 90 days.
How were Credito Emiliano SPA Credem’s earnings last quarter?
Currently, no data Available
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 pays a Annually dividend of €0.75 which represents an annual dividend yield of 3.95%. 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?
Currently, no data Available
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
▼(-14.51% Downside)