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Home CompaniesCredito Emiliano S.p.A.

Credito Emiliano S.p.A.

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Company price
None GBX 0.00(0%)
Last update at 2026-10-28T03:28:49.607657Z
Market Cap
2150.32M

Momentum Score

…

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. The company's wealth management activities consist of the management of mutual funds, SICAVs, and asset management, as well as private equity funds and hedge funds. It also offers management of mutual funds, intermediation, leasing, factoring, and insurance services. In addition, the company engages in the financial leasing activities, such as long renting instrumental, real estate, and naval; management of commercial credits, monitoring of risk, guarantee and advance of credit, and management of agreements with suppliers; mortgage intermediation, placement of salary-secured products, and provision of personal and targeted loans; seasoning and packaging operation; and provision of telematic services. Further, it offers current accounts, cards and payments, collection services, investments, and other digital and online services. It serves retail services, wealth management, and small and medium-sized enterprises through a network of financial advisors. The company was founded in 1910 and is headquartered in Reggio Emilia, Italy. Credito Emiliano S.p.A. operates as a subsidiary of Credito Emiliano Holding S.p.A.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

52 Week Price Range
10.46
Low
16.22
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Credito Emiliano S.p.A. is an Italian bank offering retail and corporate banking, private banking, asset management and insurance, with operations focused in Northern and Central Italy. Long-term growth may be supported by wealth-management and insurance sales, digital channel adoption and SME lending; investors may find the company attractive for diversified fee income and a domestic client base.

Key risks are credit exposure to the Italian economy, interest-rate and market volatility, regulatory changes and competition from larger banks and fintech; investors should monitor asset quality and capital levels.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
19.84
Dividend Yield
13.80%
Revenue TTM
1800.34M
Revenue Per Share
5.30
Gross Profit TTM
1800.34M
Debt / Equity
0.70
ROE
13.88%
Net Debt
-
ROCE
-
Diluted EPS TTM
-

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax - 466.18M 252.53M 296.39M 270.41M
Net income - 352.43M 201.59M 201.31M 186.66M
Other operating expenses 93.19M 109.81M 89.00M 2.77M 23.76M
Interest expense - 0.00M 0.00M 0.00M 0.00M
Tax provision - 113.59M 50.80M 95.08M 83.75M
Net interest income - 489.63M 486.06M 480.18M 487.40M
Income tax expense 144.60M 113.59M 50.80M 95.08M 83.75M
Net income applicable to common shares 316.97M 352.43M 201.59M 201.23M 186.66M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets - 67579.19M 56650.25M 47629.99M 43168.09M
Intangible assets - 173.75M 154.82M 147.54M 137.94M
Earning assets - 15739.73M 11925.31M 13952.97M 12700.42M
Other current assets 324.28M 7767.85M 85.70M 1704.49M 615.24M
Total liab - 64119.73M 53516.66M 44746.19M 40595.17M
Total stockholder equity - 3459.46M 3133.59M 2883.79M 2572.92M
Deferred long term liab 20.43M 21.10M 19.56M 18.70M 18.72M
Other current liab 93.69M 78.68M 66.69M 80.89M 39.98M
Common stock 341.32M 341.32M 332.39M 332.39M 332.39M
Retained earnings 2937.82M 2727.36M 2404.43M 2200.91M 2063.53M
Other liab 5790.17M 5900.23M 5216.04M 4939.18M 5074.64M
Good will - 291.34M 289.79M 288.13M 288.13M
Other assets 43703.21M 41812.89M 34798.03M 30481.31M 28543.69M
Total current liabilities 51962.74M 55046.66M 45423.18M 36191.69M 32269.66M
Short long term debt total - 2424.16M 2639.21M 3181.59M 2742.91M
Other stockholder equity -379.53M 73.00M 121.18M 77.02M -100.95M
Property plant equipment 448.76M 454.61M 442.23M 452.04M 305.54M
Total current assets 5479.25M 8899.97M 9454.74M 2794.47M 1523.46M
Net tangible assets 2734.87M 2994.36M 2688.98M 2448.12M 2146.85M
Net receivables 820.23M 518.14M 8678.16M 404.02M 369.89M
Long term debt - 2424.16M 2500.58M 3029.88M 2742.91M
Accounts payable 40517.99M 38734.66M 34564.09M 29809.05M 26570.87M
Treasury stock - -4.03M -7.46M -9.58M -5.10M
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Type yearly yearly yearly yearly yearly
Date 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Investments - - -0.25M -0.82M -0.37M
Change to liabilities - - 0.00M 0.00M 0.00M
Total cashflows from investing activities - - -101.39M -126.43M -69.53M
Total cash from financing activities - - -108.34M -15.18M 2.12M
Change to operating activities - - 3571.73M 3074.81M -2898.82M
Net income 620.10M 562.12M 316.97M 352.43M 201.59M
Change in cash - - 3126.76M -5.80M 18.74M
Total cash from operating activities - - 3336.49M 135.81M 86.15M
Depreciation - - 51.20M 4.02M 3.50M
Other cashflows from investing activities - - - 14.39M 16.32M
Dividends paid - - 102.30M 66.30M 66.30M
Sale purchase of stock - - - 51.11M 2.12M
Change to netincome - - 60.94M -73.60M -84.37M
Capital expenditures 0.00M 0.00M 44.88M 77.80M 39.03M
Change in working capital - - - -79.14M -34.58M

Peer Comparison*

Sector: Industry:

Stock Name
Change
(GBX)
Price
(GBX)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
0R15
SoftBank Group Corp.		 248.00
5.84%		 4494.00 - - - -
0R1E
Nintendo Co. Ltd.		 -115.00
1.34%		 8476.00 - - - -
0LC3
Synchrony Financial		 2.34
3.20%		 75.60 0.09 - 4.97 -
0HQP
CBRE Group Inc. Cl A		 0.15
0.12%		 122.47 0.25 - 1.18 -

Profile*

Credito Emiliano S.p.A.

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. The company's wealth management activities consist of the management of mutual funds, SICAVs, and asset management, as well as private equity funds and hedge funds. It also offers management of mutual funds, intermediation, leasing, factoring, and insurance services. In addition, the company engages in the financial leasing activities, such as long renting instrumental, real estate, and naval; management of commercial credits, monitoring of risk, guarantee and advance of credit, and management of agreements with suppliers; mortgage intermediation, placement of salary-secured products, and provision of personal and targeted loans; seasoning and packaging operation; and provision of telematic services. Further, it offers current accounts, cards and payments, collection services, investments, and other digital and online services. It serves retail services, wealth management, and small and medium-sized enterprises through a network of financial advisors. The company was founded in 1910 and is headquartered in Reggio Emilia, Italy. Credito Emiliano S.p.A. operates as a subsidiary of Credito Emiliano Holding S.p.A.

Via Emilia San Pietro No. 4, Reggio Emilia, RE, Italy, 42100

39 05 22 58 21

https://www.credem.it

6289

Name Title Year Born
Mr. Nazzareno Gregori Gen. Mang. NA
Mr. Angelo Campani Joint Gen. Mang. NA
Mr. Daniele Morlini Head of IR NA
Mr. Stefano Pilastri Deputy Gen. Mang. NA
Mr. Stefano Morellini Deputy Gen. Mang. NA
Mr. Giuliano Cassinadri Deputy Gen. Mang. NA
Ottorino Righetti Sec. NA
Mr. Stefano Morellini General Manager NA
Mr. Stefano Pilastri Co-Managing Director NA
Ottorino Righetti Secretary NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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