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CE.MI stock logo

CE.MI

Credito Emiliano S.p.A.

$15.1
-0.04
 (-0.26%)
Exchange:  MIL
Market Cap:  5.129B
Shares Outstanding:  335.196M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Stefano Morellini
Full Time Employees:  6289
Address: 
Via Emilia San Pietro No. 4
Reggio Emilia
RE
42100
IT
Website:  https://www.credem.it
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.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue2,787,8783,055,8142,952,682
Gross Profit2,064,6822,198,6062,336,546
EBITDA934,5261,023,106906,743
Operating Income825,140911,094868,648
Net Income562,118620,052621,466

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets68,017,64467,968,52568,125,998
Total Liabilities64,147,09963,676,01463,463,169
Total Stockholders Equity3,870,5424,292,5074,662,825
Total Debt5,304,3805,133,8947,638,534
Cash and Cash Equivalents6,778,8434,675,5251,403,332

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow3,187,787-1,793,267299,126
Capital Expenditure-49,582-113,144-50,993
Free Cash Flow3,138,205-1,906,411248,133
Net Income562,118620,052621,466
Net Change in Cash2,968,900-2,118,8040

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2029Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)2,031,155.130Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)2,072,349.230Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)2,049,411.876Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)675,560.749Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)689,261.877Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)681,632.930Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)540,192.425Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)554,473.045Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)546,520.405Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)265,726.462Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)271,115.692Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)268,114.906Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)1.600Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)1.620Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)1.580Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
1.85
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
8.71
?Enterprise Value
 (TTM)
: 
11.619B  ?EV/FCF
 (TTM)
: 
-5.06
?Dividend Yield
 (TTM)
: 
0.06  ?Payout Ratio
 (TTM)
: 
0.41
?ROE
 (TTM)
: 
0.14  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
1.64
?P/B
 (TTM)
: 
1.16  ?Current Ratio
 (TTM)
: 
42.78

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
8.89Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

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Calculate CE Intrinsic Value

Common questions about CE.MI valuation

Is Credito Emiliano S.p.A. (CE.MI) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Credito Emiliano S.p.A. (CE.MI) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is CE.MI a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CE.MI trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is CE.MI’s P/E ratio?

You can see CE.MI’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for CE.MI?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is CE.MI a good long-term investment?

Whether CE.MI fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

CE.MI

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.26
MARKETSnap

Trading Metrics:

Open: 15.15   Previous Close: 15.14
Day Low: 15.08   Day High: 15.25
Year Low: 11.78   Year High: 16.26
Price Avg 50: 15.03   Price Avg 200: 14.41
Volume: 185347   Average Volume: 170211

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