EAO Stock Chart & Stats
€15.12
€0.16(1.52%)
At close: 4:00 PM EST
€15.12
€0.16(1.52%)
Day’s Range― - ―
52-Week Range€12.52 - €19.04
Previous CloseN/A
Volume0.00
Average Volume (3M)67.00
Market Cap
€6.44B
Enterprise Value€13.41K
Total Cash (Recent Filing)€1.32B
Total Debt (Recent Filing)€8.13B
Price to Earnings (P/E)12.1
Beta0.73
Next Earnings
Aug 04, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.56
Shares Outstanding341,320,070
10 Day Avg. Volume4
30 Day Avg. Volume67
Financial Highlights & Ratios
PEG Ratio15.20
Price to Book (P/B)1.12
Price to Sales (P/S)1.77
P/FCF Ratio21.02
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€16.20Price Target Upside7.14% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)1.52
Revenue Forecast (FY)€1.95B
Bulls Say, Bears Say
Bulls Say
Consistent High ProfitabilityCredem's sustained net and EBIT margins indicate recurring earnings power across economic cycles. Margins near 18–30% support internal capital generation and dividend capacity, reducing reliance on volatile trading gains and enabling continued investment in core retail and corporate franchises over the next several quarters.
Diversified Revenue MixA blend of net interest, fees, asset management and bancassurance income provides structural revenue diversification. This reduces sensitivity to single-channel shocks, supports stable fee capture from payments and wealth channels, and helps smooth earnings across lending cycles over the medium term.
Sizeable Balance Sheet And Solid ROEA large asset base with mid‑teens ROE demonstrates the bank's ability to generate meaningful earnings from its franchise. Size supports diversified lending and deposit gathering, while healthy ROE implies efficient capital deployment that can sustain dividend policy and reinvestment into growth initiatives.
Bears Say
Highly Inconsistent Cash GenerationLarge year-to-year swings in operating and free cash flow undermine predictability of internal funding for loans, buybacks or dividends. The sharp 2024 outflow highlights event-driven or balance-sheet timing risks that could constrain capital allocation or force reliance on external funding in adverse scenarios.
Volatile Leverage ProfileMaterial swings in debt-to-equity signal inconsistent balance-sheet management or sensitivity to funding/market conditions. Rising leverage after improvement increases financial risk and could pressure capital ratios or lending flexibility if adverse stress or credit costs emerge over the medium term.
Uneven Revenue Growth MomentumGrowth that is lumpy reduces confidence in sustainable top-line expansion and complicates planning for cost absorption and investment. If revenue gains are uneven or driven by one-off items, margin durability and long-term earnings trajectory become harder to forecast, increasing execution risk.
Credito Emiliano SPA Credem News
EAO FAQ
What was Credito Emiliano SPA Credem’s price range in the past 12 months?
Credito Emiliano SPA Credem lowest stock price was €12.52 and its highest was €19.04 in the past 12 months.
What is Credito Emiliano SPA Credem’s market cap?
Credito Emiliano SPA Credem’s market cap is €6.44B.
When is Credito Emiliano SPA Credem’s upcoming earnings report date?
Credito Emiliano SPA Credem’s upcoming earnings report date is Aug 04, 2026 which is in 7 days.
How were Credito Emiliano SPA Credem’s earnings last quarter?
Credito Emiliano SPA Credem released its earnings results on May 05, 2026. The company reported €0.409 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
Is Credito Emiliano SPA Credem overvalued?
According to Wall Street analysts Credito Emiliano SPA Credem’s price is currently Undervalued.
Does Credito Emiliano SPA Credem pay dividends?
Credito Emiliano SPA Credem does not currently pay dividends.
What is Credito Emiliano SPA Credem’s EPS estimate?
Credito Emiliano SPA Credem’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Credito Emiliano SPA Credem have?
Credito Emiliano SPA Credem has 341,320,070 shares outstanding.
What happened to Credito Emiliano SPA Credem’s price movement after its last earnings report?
Credito Emiliano SPA Credem reported an EPS of €0.409 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -1.925%.
Which hedge fund is a major shareholder of Credito Emiliano SPA Credem?
Currently, no hedge funds are holding shares in DE:EAO
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Credito Emiliano SPA Credem
Credito Emiliano S.p.A., a division of Credito Emiliano Holding S.p.A., delivers a wide array of banking and financial services to both individual and business clients, predominantly within Italy. Its operations are organized into distinct areas, including Commercial Banking, Asset Management, Bancassurance, Trading, and ALM Treasury. The institution offers a comprehensive suite of deposit products, such as checking and savings accounts, time deposits, certificates of deposit, and various bonds, alongside a robust lending portfolio featuring mortgages, credit cards, and personal or salary-backed loans. Credito Emiliano also provides sophisticated wealth management solutions, encompassing mutual funds, SICAVs, portfolio management, and investments in private equity and hedge funds. Beyond core banking, its service offerings extend to asset management, bancassurance, fiduciary services, remote banking, savings management, brokerage, financial leasing, factoring, and insurance. Furthermore, the company notably engages in cheese warehousing, real estate management, and software development. Established in 1910, with its headquarters in Reggio Emilia, Italy, the bank boasted an extensive network of 625 branches, business centers, and financial outlets spanning 20 regions as of December 31, 2021.
EAO Stock 12 Month Forecast
Average Price Target
€16.20
▲(7.14% Upside)