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Credito Emiliano S.p.A.BIT:CE Stock Report

Market Cap €5.0b
Share Price
€14.54
My Fair Value
n/a
1Y38.2%
7D4.5%
Portfolio Value
View

Credito Emiliano S.p.A.

BIT:CE Stock Report

Market Cap: €5.0b

Credito Emiliano (CE) Stock Overview

Engages in commercial banking and wealth management activities in Italy. More details

CE fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance4/6
Financial Health5/6
Dividends5/6

CE Community Fair Values

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Credito Emiliano S.p.A. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Credito Emiliano
Historical stock prices
Current Share Price€14.54
52 Week High€14.84
52 Week Low€9.96
Beta0.64
1 Month Change11.50%
3 Month Change4.76%
1 Year Change38.21%
3 Year Change123.69%
5 Year Change208.05%
Change since IPO249.44%

Recent News & Updates

Credito Emiliano S.p.A. (BIT:CE) Just Released Its Third-Quarter Results And Analysts Are Updating Their Estimates

Nov 09
Credito Emiliano S.p.A. (BIT:CE) Just Released Its Third-Quarter Results And Analysts Are Updating Their Estimates

Recent updates

Credito Emiliano S.p.A. (BIT:CE) Just Released Its Third-Quarter Results And Analysts Are Updating Their Estimates

Nov 09
Credito Emiliano S.p.A. (BIT:CE) Just Released Its Third-Quarter Results And Analysts Are Updating Their Estimates

Analyst Estimates: Here's What Brokers Think Of Credito Emiliano S.p.A. (BIT:CE) After Its First-Quarter Report

May 11
Analyst Estimates: Here's What Brokers Think Of Credito Emiliano S.p.A. (BIT:CE) After Its First-Quarter Report

Credito Emiliano's (BIT:CE) Upcoming Dividend Will Be Larger Than Last Year's

Mar 20
Credito Emiliano's (BIT:CE) Upcoming Dividend Will Be Larger Than Last Year's

Results: Credito Emiliano S.p.A. Beat Earnings Expectations And Analysts Now Have New Forecasts

Feb 12
Results: Credito Emiliano S.p.A. Beat Earnings Expectations And Analysts Now Have New Forecasts
User avatar

Expected Interest Rate Cuts Will Pressure Bank Revenues In 2025

Anticipated interest rate cuts and increasing operating expenses press net margins, prompting a shift towards fee-based income to support growth.

Shareholder Returns

CEIT BanksIT Market
7D4.5%7.3%3.5%
1Y38.2%56.6%28.6%

Return vs Industry: CE underperformed the Italian Banks industry which returned 56.6% over the past year.

Return vs Market: CE exceeded the Italian Market which returned 28.6% over the past year.

Price Volatility

Is CE's price volatile compared to industry and market?
CE volatility
CE Average Weekly Movement2.5%
Banks Industry Average Movement3.4%
Market Average Movement4.2%
10% most volatile stocks in IT Market7.6%
10% least volatile stocks in IT Market2.4%

Stable Share Price: CE has not had significant price volatility in the past 3 months compared to the Italian market.

Volatility Over Time: CE's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19106,599Stefano Morelliniwww.credem.it

Credito Emiliano S.p.A., together with its subsidiaries, engages in commercial banking and wealth management activities in Italy. The company is involved in commercial banking, private banking, parabanking, consumer credit, and other/technology. Its commercial banking activities relate to the distribution of financial products and services directed to its retail and corporate customers.

Credito Emiliano S.p.A. Fundamentals Summary

How do Credito Emiliano's earnings and revenue compare to its market cap?
CE fundamental statistics
Market cap€5.04b
Earnings (TTM)€640.54m
Revenue (TTM)€1.83b
7.7x
P/E Ratio
1.1x
P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CE income statement (TTM)
Revenue€1.83b
Cost of Revenue€1.53m
Gross Profit€1.83b
Other Expenses€1.19b
Earnings€640.54m

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)1.88
Gross Margin99.92%
Net Profit Margin34.93%
Debt/Equity Ratio185.3%

How did CE perform over the long term?

See historical performance and comparison

Dividends

5.2%
Current Dividend Yield
38%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/11/14 19:08
End of Day Share Price 2025/11/14 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Credito Emiliano S.p.A. is covered by 15 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Irene RossettoBanca Akros S.p.A. (ESN)
Paola SabbioneBarclays
Eoin MullanyBerenberg