Stock CE CREDITO EMILIANO S.P.A.
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Financials Credito Emiliano S.p.A.

Equities

CE

IT0003121677

Banks

Real-time Borsa Italiana
Other stock markets
 16:04:30 29/04/2024 BST 		5-day change 1st Jan Change
9.88 EUR +1.65% Intraday chart for Credito Emiliano S.p.A. +4.22% +22.89%
08:18am Futures up; Brent falls in USD88 area AN
04-26 Mib up; US stocks up after PCE data AN

Valuation

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Capitalization 1 1,721 1,458 1,981 2,252 3,253 - -
Enterprise Value (EV) 1 1,721 1,458 1,981 2,252 3,253 3,253 3,253
P/E ratio 8.51 x 7.23 x 5.54 x 7.14 x 6.49 x 7.22 x 7.13 x
Yield 4.24% 4.54% 5.15% 4.98% 5.93% 5.91% 6.49%
Capitalization / Revenue 1.42 x 1.21 x 1.48 x 1.53 x 1.76 x 1.79 x 1.75 x
EV / Revenue 1.42 x 1.21 x 1.48 x 1.53 x 1.76 x 1.79 x 1.75 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 0.6 x 0.47 x 0.57 x 0.7 x 0.83 x 0.82 x 0.83 x
Nbr of stocks (in thousands) 331,605 330,716 340,403 339,720 334,646 - -
Reference price 2 5.190 4.410 5.820 6.630 9.720 9.720 9.720
Announcement Date 06/02/20 08/02/21 07/02/22 06/02/23 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Net sales 1 1,208 1,202 1,337 1,473 1,849 1,821 1,856
EBITDA - - - - - - -
EBIT 1 402.9 410.3 460.9 572.6 864.3 808 821
Operating Margin 33.34% 34.13% 34.48% 38.88% 46.74% 44.38% 44.24%
Earnings before Tax (EBT) 1 296.4 252.5 466.2 461.6 713.2 650.7 661.3
Net income 1 201.3 201.6 352.4 317 491.4 453.7 455.7
Net margin 16.66% 16.77% 26.36% 21.52% 26.58% 24.92% 24.56%
EPS 2 0.6100 0.6100 1.050 0.9287 1.498 1.347 1.363
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.2200 0.2000 0.3000 0.3300 0.5762 0.5749 0.6308
Announcement Date 06/02/20 08/02/21 07/02/22 06/02/23 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2020 S1 2021 S1 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 S1 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 S1 2023 Q3 2024 Q1
Net sales 1 588 639.8 309.8 387.1 343.3 335 690.3 351.3 431.3 475.6 478.6 954.2 464.7 494
EBITDA - - - - - - - - - - - - - -
EBIT 1 186.2 210.6 100.1 150.2 129 114.1 243.1 141.7 187.8 240.4 242.5 482.9 245.9 257
Operating Margin 31.67% 32.92% 32.31% 38.8% 37.57% 34.06% 35.22% 40.34% 43.54% 50.55% 50.67% 50.61% 52.92% 52.02%
Earnings before Tax (EBT) 1 113.2 199.7 159 107.5 110.9 114.5 225.4 98 138.2 199.3 241.1 440.3 206.7 207.5
Net income 1 77.9 136.4 139.4 76.6 76.89 78.8 155.7 66.9 94.4 134.8 163.9 298.7 140.3 142
Net margin 13.25% 21.32% 45% 19.79% 22.4% 23.52% 22.56% 19.04% 21.89% 28.34% 34.25% 31.3% 30.19% 28.74%
EPS - - - - - - - - - - - - - -
Dividend per Share - - - - - - - - - - - - - -
Announcement Date 06/08/20 06/08/21 11/11/21 07/02/22 06/05/22 05/08/22 05/08/22 10/11/22 06/02/23 09/05/23 07/08/23 07/08/23 08/11/23 -
1EUR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 7.38% 6.7% 10.7% 9.8% 13.1% 11.5% 11.3%
ROA (Net income/ Total Assets) 0.44% 0.39% 0.57% 0.48% 0.79% 0.7% 0.69%
Assets 1 45,399 52,093 62,119 66,318 62,208 64,809 66,528
Book Value Per Share 2 8.680 9.430 10.20 9.410 11.70 11.80 11.70
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 06/02/20 08/02/21 07/02/22 06/02/23 - - -
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Credito Emiliano S.p.A.

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
8
Last Close Price
9.72 EUR
Average target price
11.23 EUR
Spread / Average Target
+15.52%
Consensus

EPS Revisions

Estimates Revisions

Quarterly revenue - Rate of surprise

Company calendar

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