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STOCKS

Credito Emiliano SPA Credem (IT:CE)

:CE

Credito Emiliano SPA Credem

RESEARCH TOOLSreports

Credito Emiliano SPA Credem (CE) Ratios

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8 Followers

Credito Emiliano SPA Credem Ratios

IT:CE's free cash flow for Q2 2025 was €0.80. For the 2025 fiscal year, IT:CE's free cash flow was decreased by € and operating cash flow was €0.32. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	42.78	42.78	0.15	-15.31	21.28
Quick Ratio	42.78	42.78	0.15	-21.26	44.20
Cash Ratio	0.00	0.00	0.12	6.95	17.66
Solvency Ratio	0.01	0.01	0.01	0.01	<0.01
Operating Cash Flow Ratio	-64.68	8.54	-0.05	3.50	17.55
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.39	0.61
Net Current Asset Value	€ -61.96B	€ -61.96B	€ -57.79B	€ -78.09B	€ -57.78B
Leverage Ratios
Debt-to-Assets Ratio	0.11	0.11	0.08	0.23	0.23
Debt-to-Equity Ratio	1.64	1.64	1.20	4.02	4.55
Debt-to-Capital Ratio	0.62	0.62	0.54	0.80	0.82
Long-Term Debt-to-Capital Ratio	0.62	0.62	0.54	0.66	0.74
Financial Leverage Ratio	14.61	14.61	15.83	17.57	19.36
Debt Service Coverage Ratio	1.17	1.17	0.85	0.08	0.08
Interest Coverage Ratio	1.54	1.54	1.06	1.14	3.23
Debt to Market Cap	1.49	1.46	1.39	5.54	6.72
Interest Debt Per Share	24.03	24.03	17.60	47.75	45.32
Net Debt to EBITDA	8.42	8.42	0.45	9.86	20.66
Profitability Margins
Gross Profit Margin	75.45%	79.79%	71.95%	74.06%	91.63%
EBIT Margin	29.35%	28.36%	29.82%	29.60%	27.02%
EBITDA Margin	30.68%	29.92%	33.48%	33.52%	32.82%
Operating Profit Margin	29.39%	28.66%	29.82%	29.60%	27.02%
Pretax Profit Margin	29.28%	28.43%	29.82%	29.60%	27.02%
Net Profit Margin	21.03%	20.50%	20.29%	20.16%	18.55%
Continuous Operations Profit Margin	20.67%	20.27%	20.29%	20.16%	18.55%
Net Income Per EBT	71.82%	72.13%	68.06%	68.12%	68.63%
EBT Per EBIT	99.62%	99.18%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.91%	0.91%	0.91%	0.83%	0.50%
Return on Equity (ROE)	13.87%	13.33%	14.44%	14.52%	9.71%
Return on Capital Employed (ROCE)	1.28%	1.28%	3.14%	1.23%	0.73%
Return on Invested Capital (ROIC)	42.41%	42.33%	2.14%	1.02%	1.28%
Return on Tangible Assets	0.92%	0.92%	0.92%	0.83%	0.51%
Earnings Yield	12.09%	11.92%	16.75%	20.17%	14.45%
Efficiency Ratios
Receivables Turnover	0.00	0.00	2.63	3.07	2.34
Payables Turnover	0.00	0.00	4.05	3.63	0.77
Inventory Turnover	0.00	0.00	0.00	0.13	-0.03
Fixed Asset Turnover	6.61	6.78	6.96	6.31	3.87
Asset Turnover	0.04	0.04	0.04	0.04	0.03
Working Capital Turnover Ratio	-0.14	-0.19	-0.07	-0.51	0.29
Cash Conversion Cycle	0.00	0.00	48.55	2.75K	-11.12K
Days of Sales Outstanding	0.00	0.00	138.69	119.04	155.67
Days of Inventory Outstanding	0.00	0.00	0.00	2.73K	-10.80K
Days of Payables Outstanding	0.00	0.00	90.15	100.57	471.16
Operating Cycle	0.00	0.00	138.69	2.85K	-10.65K
Cash Flow Ratios
Operating Cash Flow Per Share	-6.64	0.88	-5.27	9.36	9.80
Free Cash Flow Per Share	-6.72	0.73	-5.60	9.21	9.50
CapEx Per Share	0.09	0.15	0.33	0.15	0.30
Free Cash Flow to Operating Cash Flow	1.01	0.83	1.06	0.98	0.97
Dividend Paid and CapEx Coverage Ratio	-7.92	0.97	-5.36	19.70	16.25
Capital Expenditure Coverage Ratio	-75.03	5.87	-15.85	64.29	32.39
Operating Cash Flow Coverage Ratio	-0.30	0.04	-0.35	0.21	0.22
Operating Cash Flow to Sales Ratio	-0.77	0.10	-0.59	1.14	1.90
Free Cash Flow Yield	-44.74%	4.76%	-51.49%	112.61%	143.27%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.27	8.39	5.97	4.96	6.92
Price-to-Sales (P/S) Ratio	1.74	1.72	1.21	1.00	1.28
Price-to-Book (P/B) Ratio	1.10	1.12	0.86	0.72	0.67
Price-to-Free Cash Flow (P/FCF) Ratio	-2.24	21.02	-1.94	0.89	0.70
Price-to-Operating Cash Flow Ratio	-2.27	17.44	-2.06	0.87	0.68
Price-to-Earnings Growth (PEG) Ratio	-3.09	0.00	0.58	0.07	-0.81
Price-to-Fair Value	1.10	1.12	0.86	0.72	0.67
Enterprise Value Multiple	14.08	14.18	4.07	12.85	24.57
Enterprise Value	12.77B	12.85B	4.16B	12.01B	14.18B
EV to EBITDA	14.08	14.18	4.07	12.85	24.57
EV to Sales	4.32	4.24	1.36	4.31	8.06
EV to Free Cash Flow	-5.56	51.80	-2.18	3.83	4.38
EV to Operating Cash Flow	-5.64	42.97	-2.32	3.77	4.25
Tangible Book Value Per Share	12.15	12.15	11.14	9.92	8.03
Shareholders’ Equity Per Share	13.66	13.66	12.61	11.36	9.87
Tax and Other Ratios
Effective Tax Rate	0.29	0.29	0.32	0.32	0.31
Revenue Per Share	8.66	8.88	8.98	8.18	5.17
Net Income Per Share	1.82	1.82	1.82	1.65	0.96
Tax Burden	0.72	0.72	0.68	0.68	0.69
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.19	0.20	0.08	0.08	0.13
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	-3.18	0.48	-2.89	5.67	10.53

Currency in EUR