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Credito Emiliano SpA CE.MI · EUR

Financials · Borsa Italiana · 🇮🇹 Italy

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20.20

+2.90%

Close of 9 Nov 2026, in EUR

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At a glance

Figures in EUR, from our data supplier.

FY2025

Revenue, before interest expense

€3.03bn

FY2016FY2025

Net income

€621.5m

FY2016FY2025

Total assets

€68.13bn

FY2016FY2025

Shareholders' equity

€4.66bn

FY2016FY2025

Income statement

Fiscal years

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue, before interest expense€3.03bn€3.55bn€3.24bn€2.33bn€2.11bn€1.96bn€1.92bn€1.99bn€1.77bn€1.97bn
Operating income———€507.5m€427.2m—————
Net income€621.5m€620.1m€562.1m€317.0m€352.4m€201.6m€201.3m€186.7m€186.5m€131.9m
Diluted earnings per share1.821.821.650.931.050.610.610.560.560.40

Balance sheet

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Total assets€68.13bn€67.97bn€68.02bn€64.82bn€67.58bn€56.65bn€47.63bn€43.17bn€41.59bn€39.57bn
Cash and short-term investments———€4.31bn€584.8m—————
Total liabilities€63.46bn€63.68bn€64.15bn€61.46bn€64.12bn€53.52bn€44.75bn€40.59bn€38.93bn€37.09bn
Debt€4.52bn€12.23bn€13.45bn€9.32bn€10.76bn€5.57bn€5.83bn€4.97bn€4.86bn€5.88bn
Shareholders' equity€4.66bn€4.29bn€3.87bn€3.36bn€3.46bn€3.13bn€2.88bn€2.57bn€2.65bn€2.47bn
Shares outstanding341m340m340m340m336m331m331m331m331m330m

Latest quarters

By quarter end

Jun 2026Mar 2026Dec 2025Sept 2025Jun 2025Mar 2025Dec 2024Sept 2024
Revenue, before interest expense€936.5m€482.6m€730.1m€746.1m€661.9m€772.2m€786.6m€691.9m
Operating income€270.4m€218.3m€164.0m€197.7m€209.0m€298.0m€190.7m€239.9m
Net income€173.4m€139.5m€115.1m€134.6m€142.5m€229.3m€134.2m€162.1m
Diluted earnings per share0.510.410.340.390.420.670.390.48
Total assets€68.37bn€67.06bn€68.13bn€66.42bn€65.05bn€64.18bn€67.97bn€63.68bn
Cash and short-term investments€827.6m€1.32bn€1.44bn€1.60bn€2.05bn€1.93bn€4.68bn€2.96bn
Shareholders' equity€4.72bn€4.53bn€4.66bn€4.56bn€4.44bn€4.27bn€4.29bn€4.16bn

Financial ratios

Data as of 16 Oct 2026

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018
Operating margin29.2%29.8%29.6%27.0%29.6%18.3%——
Net margin21.0%20.3%20.2%18.5%22.4%14.6%——
Return on equity13.3%14.4%14.5%9.7%10.2%6.4%——
Return on assets0.9%0.9%0.8%0.5%0.5%0.4%——
Revenue growth-3.4%9.6%58.5%11.6%13.9%-3.6%——
Earnings growth0.2%10.3%72.4%-7.5%74.8%0.1%——
Current ratio42.78x0.15x-0.37x0.11x0.26x0.27x——
Debt to equity——2.09x1.64x2.15x0.96x3.90x1.26x
Equity ratio6.8%6.3%5.7%5.2%5.1%5.5%——
Interest coverage1.53x1.06x1.14x3.23x4.94x3.81x——
Buybacks as a share of market value-0.3%0.1%-0.1%-1.5%-1.1%-0.1%——

Growth per year

Compound annual rate

3 years5 years10 years
Revenue4.1%5.4%2.7%
Net income25.2%25.3%14.1%

Average margins

Over each period

1 year3 years5 years10 years
Net margin18.9%17.5%16.5%13.7%

Valuation history

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Price to earnings8.46.04.97.15.57.28.58.912.614.3
Price to sales2.11.41.11.01.00.80.90.91.41.0

Dividends and splits

Per share, in the currency the company pays

Paid for 5 years. Last went ex-dividend on 18 May 2026.

FY2026FY2025FY2024FY2023FY2022FY2021FY2019FY2018
Paid in the year0.750.750.650.330.300.200.200.20
  • 25-to-13 reverse split · 4 Jun 2001

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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