CREDITO EMILIANO SPA (CE.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:CE - IT0003121677 - Common Stock
14.9 EUR
-0.06 (-0.4%)
Taking everything into account, CE scores 3 out of 10 in our fundamental rating. CE was compared to 106 industry peers in the Banks industry. CE has a medium profitability rating, but doesn't score so well on its financial health evaluation. CE has a valuation in line with the averages, but it does not seem to be growing. CE also has an excellent dividend rating.
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.
Each year in the past 5 years CE has been profitable.
Of the past 5 years CE 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.63%, CE belongs to the top of the industry, outperforming 87.74% of the companies in the same industry.
CE's Return On Equity of 23.89% is amongst the best of the industry. CE outperforms 96.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.63% | ||
| ROE | 23.89% | ||
| ROIC | N/A |
ROA(3y)0.74%
ROA(5y)0.62%
ROE(3y)12.8%
ROE(5y)11%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 28.29%, CE is doing good in the industry, outperforming 72.64% of the companies in the same industry.
In the last couple of years the Profit Margin of CE has grown nicely.
The Operating Margin and Gross Margin are not available for CE so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.29% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.66%
PM growth 5Y15.69%
GM growth 3YN/A
GM growth 5YN/A
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.
The debt/assets ratio for CE has been reduced compared to a year ago.
2.2 Solvency
CE has a Debt/Equity ratio of 2.03. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 2.03, CE is in line with its industry, outperforming 52.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.03 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.29%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.12%, which is quite good.
The Earnings Per Share has been growing by 24.45% on average over the past years. This is a very strong growth
CE shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -15.65%.
CE shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.25% yearly.
EPS 1Y (TTM)13.12%
EPS 3Y20.15%
EPS 5Y24.45%
EPS Q2Q%-17.53%
Revenue 1Y (TTM)-15.65%
Revenue growth 3Y10.09%
Revenue growth 5Y8.25%
Sales Q2Q%1.22%
3.2 Future
CE is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -3.78% yearly.
The Revenue is expected to decrease by -0.12% on average over the next years.
EPS Next Y-18.18%
EPS Next 2Y-10.14%
EPS Next 3Y-5.58%
EPS Next 5Y-3.78%
Revenue Next Year-6.96%
Revenue Next 2Y-2.81%
Revenue Next 3Y-0.9%
Revenue Next 5Y-0.12%
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.
4. Valuation
4.1 Price/Earnings Ratio
CE is valuated cheaply with a Price/Earnings ratio of 4.92.
CE's Price/Earnings ratio is rather cheap when compared to the industry. CE is cheaper than 98.11% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.55. CE is valued rather cheaply when compared to this.
CE is valuated reasonably with a Price/Forward Earnings ratio of 9.98.
Based on the Price/Forward Earnings ratio, CE is valued a bit cheaper than the industry average as 69.81% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.78. CE is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.92 | ||
| Fwd PE | 9.98 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as CE's earnings are expected to decrease with -5.58% in the coming years.
PEG (NY)N/A
PEG (5Y)0.2
EPS Next 2Y-10.14%
EPS Next 3Y-5.58%
5. Dividend
5.1 Amount
CE has a Yearly Dividend Yield of 5.05%, which is a nice return.
Compared to an average industry Dividend Yield of 4.33, CE pays a bit more dividend than its industry peers.
CE's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.05% |
5.2 History
The dividend of CE is nicely growing with an annual growth rate of 26.52%!
Dividend Growth(5Y)26.52%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
30.58% of the earnings are spent on dividend by CE. This is a low number and sustainable payout ratio.
DP30.58%
EPS Next 2Y-10.14%
EPS Next 3Y-5.58%
BIT:CE (12/16/2025, 5:35:30 PM)
14.9
-0.06 (-0.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners6.88%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.09B
Revenue(TTM)3.75B
Net Income(TTM)1.06B
Analysts80
Price Target14.77 (-0.87%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.05% |
Yearly Dividend0.65
Dividend Growth(5Y)26.52%
DP30.58%
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)2.72%
PT rev (3m)6.1%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)2.09%
EPS NY rev (3m)-1.74%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.68%
Revenue NY rev (3m)0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.92 | ||
| Fwd PE | 9.98 | ||
| P/S | 1.36 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.15 | ||
| P/tB | 1.29 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.03
EY20.34%
EPS(NY)1.49
Fwd EY10.02%
FCF(TTM)-6
FCFYN/A
OCF(TTM)-5.73
OCFYN/A
SpS10.97
BVpS13
TBVpS11.58
PEG (NY)N/A
PEG (5Y)0.2
Graham Number29.76
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.63% | ||
| ROE | 23.89% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.29% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.74%
ROA(5y)0.62%
ROE(3y)12.8%
ROE(5y)11%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.66%
PM growth 5Y15.69%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.03 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 84.35% | ||
| Cap/Sales | 2.45% | ||
| 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-Score6
WACC5.29%
ROIC/WACCN/A
Cap/Depr(3y)105.98%
Cap/Depr(5y)113.67%
Cap/Sales(3y)4.46%
Cap/Sales(5y)4.98%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.12%
EPS 3Y20.15%
EPS 5Y24.45%
EPS Q2Q%-17.53%
EPS Next Y-18.18%
EPS Next 2Y-10.14%
EPS Next 3Y-5.58%
EPS Next 5Y-3.78%
Revenue 1Y (TTM)-15.65%
Revenue growth 3Y10.09%
Revenue growth 5Y8.25%
Sales Q2Q%1.22%
Revenue Next Year-6.96%
Revenue Next 2Y-2.81%
Revenue Next 3Y-0.9%
Revenue Next 5Y-0.12%
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-146.44%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-143.22%
OCF growth 3YN/A
OCF growth 5YN/A
CREDITO EMILIANO SPA / CE.MI FAQ
What is the ChartMill fundamental rating of CREDITO EMILIANO SPA (CE.MI) stock?
ChartMill assigns a fundamental rating of 3 / 10 to CE.MI.
What is the valuation status for CE stock?
ChartMill assigns a valuation rating of 4 / 10 to CREDITO EMILIANO SPA (CE.MI). This can be considered as Fairly Valued.
What is the profitability of CE stock?
CREDITO EMILIANO SPA (CE.MI) has a profitability rating of 4 / 10.
Can you provide the financial health for CE stock?
The financial health rating of CREDITO EMILIANO SPA (CE.MI) is 1 / 10.
What is the expected EPS growth for CREDITO EMILIANO SPA (CE.MI) stock?
The Earnings per Share (EPS) of CREDITO EMILIANO SPA (CE.MI) is expected to decline by -18.18% in the next year.