CREDITO EMILIANO SPA(BIT:CE) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to CE. CE was compared to 99 industry peers in the Banks industry. While CE is still in line with the averages on profitability rating, there are concerns on its financial health. CE is not valued too expensively and it also shows a decent growth rate. Finally CE also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year CE was profitable.

In the past year CE has reported a negative cash flow from operations.

CE had positive earnings in each of the past 5 years.

Each year in the past 5 years CE had a positive operating cash flow.

1.2 Ratios

CE has a better Return On Assets (1.36%) than 84.95% of its industry peers.

CE's Return On Equity of 22.33% is amongst the best of the industry. CE outperforms 97.85% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.36%
ROE	22.33%
ROIC	N/A

ROA(3y)0.61%

ROA(5y)0.52%

ROE(3y)11.38%

ROE(5y)9.51%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of CE (19.76%) is comparable to the rest of the industry.

CE's Profit Margin has improved in the last couple of years.

CE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	19.76%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y27.98%

PM growth 5Y17.69%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CE does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for CE remains at a similar level compared to 1 year ago.

CE has more shares outstanding than it did 5 years ago.

Compared to 1 year ago, CE has a worse debt to assets ratio.

2.2 Solvency

A Debt/Equity ratio of 2.95 is on the high side and indicates that CE has dependencies on debt financing.

CE has a worse Debt to Equity ratio (2.95) than 67.74% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.95
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC4.84%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 23.74% over the past year.

Measured over the past years, CE shows a very strong growth in Earnings Per Share. The EPS has been growing by 24.18% on average per year.

Looking at the last year, CE shows a very strong growth in Revenue. The Revenue has grown by 20.00%.

CE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.93% yearly.

EPS 1Y (TTM)23.74%

EPS 3Y39.43%

EPS 5Y24.18%

EPS Q2Q%15.8%

Revenue 1Y (TTM)20%

Revenue growth 3Y9.98%

Revenue growth 5Y5.93%

Sales Q2Q%-6.54%

3.2 Future

CE is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -3.81% yearly.

Based on estimates for the next years, CE will show a small growth in Revenue. The Revenue will grow by 0.31% on average per year.

EPS Next Y9.22%

EPS Next 2Y-3.49%

EPS Next 3Y-4.01%

EPS Next 5Y-3.81%

Revenue Next Year4.98%

Revenue Next 2Y0.31%

Revenue Next 3Y0.12%

Revenue Next 5Y0.31%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 4.78 indicates a rather cheap valuation of CE.

CE's Price/Earnings ratio is rather cheap when compared to the industry. CE is cheaper than 94.62% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 29.35. CE is valued rather cheaply when compared to this.

With a Price/Forward Earnings ratio of 8.18, the valuation of CE can be described as very reasonable.

Based on the Price/Forward Earnings ratio, CE is valued a bit cheaper than 79.57% of the companies in the same industry.

CE is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	4.78
Fwd PE	8.18

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

CE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

CE's earnings are expected to decrease with -4.01% in the coming years. This may justify a cheaper valuation.

PEG (NY)0.52

PEG (5Y)0.2

EPS Next 2Y-3.49%

EPS Next 3Y-4.01%

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5. Dividend

5.1 Amount

CE has a Yearly Dividend Yield of 5.04%, which is a nice return.

CE's Dividend Yield is comparable with the industry average which is at 5.06.

CE's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	5.04%

5.2 History

The dividend of CE is nicely growing with an annual growth rate of 17.07%!

Dividend Growth(5Y)17.07%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

17.25% of the earnings are spent on dividend by CE. This is a low number and sustainable payout ratio.

DP17.25%

EPS Next 2Y-3.49%

EPS Next 3Y-4.01%

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CREDITO EMILIANO SPA

BIT:CE (3/7/2025, 7:00:00 PM)

12.8

-0.1 (-0.78%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-06 2025-02-06/amc

Earnings (Next)05-08 2025-05-08

Inst Owners6.98%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap4.37B

Analysts81.43

Price Target12.94 (1.09%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.04%

Yearly Dividend0.33

Dividend Growth(5Y)17.07%

DP17.25%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)1.89%

PT rev (3m)6.43%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)2.03%

EPS NY rev (3m)5.43%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.49%

Revenue NY rev (3m)2.15%

Valuation

		Industry Rank	Sector Rank
PE	4.78
Fwd PE	8.18
P/S	0.97
P/FCF	N/A
P/OCF	N/A
P/B	1.1
P/tB	1.25
EV/EBITDA	N/A

EPS(TTM)2.68

EY20.94%

EPS(NY)1.57

Fwd EY12.23%

FCF(TTM)-1.07

FCFYN/A

OCF(TTM)-0.71

OCFYN/A

SpS13.17

BVpS11.66

TBVpS10.25

PEG (NY)0.52

PEG (5Y)0.2

Profitability

		Industry Rank	Sector Rank
ROA	1.36%
ROE	22.33%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	19.76%
GM	N/A
FCFM	N/A

ROA(3y)0.61%

ROA(5y)0.52%

ROE(3y)11.38%

ROE(5y)9.51%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y27.98%

PM growth 5Y17.69%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.07

Health

		Industry Rank	Sector Rank
Debt/Equity	2.95
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	114.69%
Cap/Sales	2.71%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC4.84%

ROIC/WACCN/A

Cap/Depr(3y)121.24%

Cap/Depr(5y)108.21%

Cap/Sales(3y)5.39%

Cap/Sales(5y)4.85%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)23.74%

EPS 3Y39.43%

EPS 5Y24.18%

EPS Q2Q%15.8%

EPS Next Y9.22%

EPS Next 2Y-3.49%

EPS Next 3Y-4.01%

EPS Next 5Y-3.81%

Revenue 1Y (TTM)20%

Revenue growth 3Y9.98%

Revenue growth 5Y5.93%

Sales Q2Q%-6.54%

Revenue Next Year4.98%

Revenue Next 2Y0.31%

Revenue Next 3Y0.12%

Revenue Next 5Y0.31%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-504.96%

FCF growth 3YN/A

FCF growth 5Y111.77%

OCF growth 1Y-199.6%

OCF growth 3Y281.53%

OCF growth 5Y89.54%

CREDITO EMILIANO SPA (CE.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens