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MTAACE
Market cap3.79bUSD
Dec 20, Last price  
10.70EUR
1D
0.38%
1Q
4.70%
Jan 2017
87.39%
Name

Credito Emiliano SpA

Chart & Performance

D1W1MN
MTAA:CE chart
P/E
6.46
P/S
1.22
EPS
1.66
Div Yield, %
3.09%
Shrs. gr., 5y
0.57%
Rev. gr., 5y
18.39%
Revenues
2.97b
+86.43%
835,035,000974,171,0001,075,381,0001,117,060,000923,317,000965,238,000842,451,000971,075,0001,036,517,0001,074,831,0001,174,120,0001,234,356,0001,213,909,0001,261,198,0001,277,627,0001,327,283,0001,316,472,0001,480,744,0001,595,047,0002,973,615,000
Net income
562m
+72.37%
130,201,000268,853,000232,062,000249,363,000157,008,00088,828,00078,024,00096,626,000121,242,000115,851,000151,769,000166,166,000131,945,000186,497,000186,660,000201,310,000201,595,000352,427,000326,119,000562,118,000
CFO
1.21b
-63.83%
-27,359,000104,365,000154,821,000100,448,0001,298,493,000-1,087,338,00056,130,00013,046,00065,145,00064,105,00073,970,00082,476,000113,480,000126,647,000130,283,000134,542,00057,373,000135,805,0003,336,492,0001,206,814,000
Dividend
Oct 14, 20240.2 EUR/sh
Earnings
Feb 06, 2025

Profile

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.
URL
https://www.credem.it/
IPO date
Oct 01, 1997
Employees
Domiciled in
IT
Incorporated in
IT

Valuation

Title
EUR in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑122014‑12
Income
Revenues
2,973,615
86.43%
1,595,047
7.72%
1,480,744
12.48%
Cost of revenue
247,002
424,670
211,497
Unusual Expense (Income)
NOPBT
2,726,613
1,170,377
1,269,247
NOPBT Margin
91.69%
73.38%
85.72%
Operating Taxes
263,022
144,605
113,588
Tax Rate
9.65%
12.36%
8.95%
NOPAT
2,463,591
1,025,772
1,155,659
Net income
562,118
72.37%
326,119
-7.46%
352,427
74.82%
Dividends
(112,234)
(102,295)
(66,295)
Dividend yield
4.11%
4.53%
3.40%
Proceeds from repurchase of equity
3,398
(6,047)
51,114
BB yield
-0.12%
0.27%
-2.62%
Debt
Debt current
5,503,665
7,422,803
Long-term debt
226,866
5,965,227
3,282,593
Deferred revenue
9,930
6,687
Other long-term liabilities
16,121,956
(5,802,119)
(3,114,675)
Net debt
(7,210,120)
(6,997,781)
(12,018,131)
Cash flow
Cash from operating activities
1,206,814
3,336,492
135,805
CAPEX
(49,582)
(103,011)
(140,823)
Cash from investing activities
(110,051)
(101,394)
(126,429)
Cash from financing activities
(108,836)
(108,342)
(15,181)
FCF
8,330,523
2,882,873
(3,497,002)
Balance
Cash
(14,885,646)
3,357,710
8,043,506
Long term investments
22,322,632
15,108,963
14,680,021
Excess cash
7,288,305
18,386,921
22,649,490
Stockholders' equity
903,441
3,216,747
3,494,764
Invested Capital
66,203,293
66,924,660
70,970,064
ROIC
3.70%
1.49%
1.82%
ROCE
4.06%
1.67%
1.70%
EV
Common stock shares outstanding
339,954
340,405
335,196
Price
8.04
21.27%
6.63
13.92%
5.82
31.97%
Market cap
2,733,230
21.11%
2,256,885
15.69%
1,950,841
33.42%
EV
(4,476,887)
(4,740,737)
(10,066,637)
EBITDA
2,831,551
1,268,641
1,366,551
EV/EBITDA
Interest
723,196
143,812
94,447
Interest/NOPBT
26.52%
12.29%
7.44%