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MTAA
CE
Market cap4.15bUSD
Apr 04, Last price  
11.14EUR
1D
-7.32%
1Q
5.09%
Jan 2017
95.10%
Name

Credito Emiliano SpA

Chart & Performance

D1W1MN
No data to show
P/E
6.10
P/S
1.75
EPS
1.83
Div Yield, %
5.83%
Shrs. gr., 5y
0.55%
Rev. gr., 5y
10.24%
Revenues
2.16b
-27.32%
974,171,0001,075,381,0001,117,060,000923,317,000965,238,000842,451,000971,075,0001,036,517,0001,074,831,0001,174,120,0001,234,356,0001,213,909,0001,261,198,0001,277,627,0001,327,283,0001,316,472,0001,480,744,0001,595,047,0002,973,615,0002,161,137,000
Net income
620m
+10.31%
268,853,000232,062,000249,363,000157,008,00088,828,00078,024,00096,626,000121,242,000115,851,000151,769,000166,166,000131,945,000186,497,000186,660,000201,310,000201,595,000352,427,000326,119,000562,118,000620,052,000
CFO
-1.79b
L
104,365,000154,821,000100,448,0001,298,493,000-1,087,338,00056,130,00013,046,00065,145,00064,105,00073,970,00082,476,000113,480,000126,647,000130,283,000134,542,00057,373,000135,805,0003,336,492,0001,206,814,000-1,793,267,000
Dividend
Oct 14, 20240.2 EUR/sh
Earnings
May 05, 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
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
2,161,137
-27.32%
2,973,615
86.43%
1,595,047
7.72%
Cost of revenue
469,586
247,002
424,670
Unusual Expense (Income)
NOPBT
1,691,551
2,726,613
1,170,377
NOPBT Margin
78.27%
91.69%
73.38%
Operating Taxes
291,042
263,022
144,605
Tax Rate
17.21%
9.65%
12.36%
NOPAT
1,400,509
2,463,591
1,025,772
Net income
620,052
10.31%
562,118
72.37%
326,119
-7.46%
Dividends
(221,392)
(112,234)
(102,295)
Dividend yield
5.98%
4.11%
4.53%
Proceeds from repurchase of equity
3,398
(6,047)
BB yield
-0.12%
0.27%
Debt
Debt current
5,503,665
Long-term debt
226,866
5,965,227
Deferred revenue
9,930
Other long-term liabilities
16,121,956
(5,802,119)
Net debt
(20,005,303)
(7,210,120)
(6,997,781)
Cash flow
Cash from operating activities
(1,793,267)
1,206,814
3,336,492
CAPEX
(52,739)
(49,582)
(103,011)
Cash from investing activities
(106,974)
(110,051)
(101,394)
Cash from financing activities
(218,563)
(108,836)
(108,342)
FCF
1,504,296
8,330,523
2,882,873
Balance
Cash
4,207,806
(14,885,646)
3,357,710
Long term investments
15,797,497
22,322,632
15,108,963
Excess cash
19,897,246
7,288,305
18,386,921
Stockholders' equity
961,376
903,441
3,216,747
Invested Capital
67,007,149
66,203,293
66,924,660
ROIC
2.10%
3.70%
1.49%
ROCE
2.49%
4.06%
1.67%
EV
Common stock shares outstanding
340,320
339,954
340,405
Price
10.88
35.32%
8.04
21.27%
6.63
13.92%
Market cap
3,702,682
35.47%
2,733,230
21.11%
2,256,885
15.69%
EV
(16,302,617)
(4,476,887)
(4,740,737)
EBITDA
1,798,981
2,831,551
1,268,641
EV/EBITDA
Interest
855,430
723,196
143,812
Interest/NOPBT
50.57%
26.52%
12.29%