Want to see IT:CE full AI Analyst Report?
Credito Emiliano SPA Credem (CE) Ratios
9 Followers
Credito Emiliano SPA Credem Ratios
IT:CE's free cash flow for Q2 2026 was €0.00. For the 2026 fiscal year, IT:CE's free cash flow was increased by €0.00 and operating cash flow was €0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 42.78 | 0.15 | -15.31 | 21.28 | 45.67 |
| Quick Ratio | 42.78 | 0.15 | -21.26 | 44.20 | 53.77 |
| Cash Ratio | 40.07 | 0.12 | 6.95 | 17.66 | 42.37 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 8.54 | -0.05 | 3.50 | 17.55 | 0.72 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.39 | 0.61 | 0.02 |
| Net Current Asset Value | € -61.96B | € -57.79B | € -78.09B | € -57.78B | € -55.45B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.11 | 0.08 | 0.23 | 0.23 | 0.05 |
| Debt-to-Equity Ratio | 1.64 | 1.20 | 4.02 | 4.55 | 0.92 |
| Debt-to-Capital Ratio | 0.62 | 0.54 | 0.80 | 0.82 | 0.48 |
| Long-Term Debt-to-Capital Ratio | 0.62 | 0.54 | 0.66 | 0.74 | 0.76 |
| Financial Leverage Ratio | 14.61 | 15.83 | 17.57 | 19.36 | 19.53 |
| Debt Service Coverage Ratio | 1.28 | 0.85 | 0.08 | 0.08 | 0.06 |
| Interest Coverage Ratio | 1.54 | 1.06 | 1.14 | 3.23 | 4.94 |
| Debt to Market Cap | 1.46 | 1.39 | 5.54 | 6.72 | 9.55 |
| Interest Debt Per Share | 24.03 | 17.60 | 47.75 | 45.32 | 9.74 |
| Net Debt to EBITDA | 6.42 | 0.45 | 9.86 | 20.66 | -8.65 |
| Profitability Margins | |||||
| Gross Profit Margin | 79.13% | 71.95% | 74.06% | 91.63% | 94.00% |
| EBIT Margin | 29.12% | 29.82% | 29.60% | 27.02% | 29.60% |
| EBITDA Margin | 32.88% | 33.48% | 33.52% | 32.82% | 35.77% |
| Operating Profit Margin | 29.42% | 29.82% | 29.60% | 27.02% | 29.60% |
| Pretax Profit Margin | 29.18% | 29.82% | 29.60% | 27.02% | 29.60% |
| Net Profit Margin | 21.05% | 20.29% | 20.16% | 18.55% | 22.37% |
| Continuous Operations Profit Margin | 20.81% | 20.29% | 20.16% | 18.55% | 22.38% |
| Net Income Per EBT | 72.13% | 68.06% | 68.12% | 68.63% | 75.60% |
| EBT Per EBIT | 99.18% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.91% | 0.91% | 0.83% | 0.50% | 0.52% |
| Return on Equity (ROE) | 13.33% | 14.44% | 14.52% | 9.71% | 10.19% |
| Return on Capital Employed (ROCE) | 1.28% | 3.14% | 1.23% | 0.73% | 0.69% |
| Return on Invested Capital (ROIC) | 0.91% | 2.14% | 1.02% | 1.28% | 1.12% |
| Return on Tangible Assets | 0.92% | 0.92% | 0.83% | 0.51% | 0.53% |
| Earnings Yield | 11.92% | 16.75% | 20.17% | 14.45% | 18.07% |
| Efficiency Ratios | |||||
| Receivables Turnover | 54.71 | 2.63 | 3.07 | 2.34 | 1.89 |
| Payables Turnover | 3.10 | 4.05 | 3.63 | 0.77 | 0.50 |
| Inventory Turnover | 0.00 | 0.00 | 0.13 | -0.03 | -0.06 |
| Fixed Asset Turnover | 6.60 | 6.96 | 6.31 | 3.87 | 3.46 |
| Asset Turnover | 0.04 | 0.04 | 0.04 | 0.03 | 0.02 |
| Working Capital Turnover Ratio | -0.19 | -0.07 | -0.51 | 0.29 | -0.23 |
| Cash Conversion Cycle | -111.14 | 48.55 | 2752.65 | -11119.60 | -6484.09 |
| Days of Sales Outstanding | 6.67 | 138.69 | 119.04 | 155.67 | 193.09 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 2734.18 | -10804.11 | -5943.57 |
| Days of Payables Outstanding | 117.81 | 90.15 | 100.57 | 471.16 | 733.62 |
| Operating Cycle | 6.67 | 138.69 | 2853.22 | -10648.44 | -5750.47 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 0.88 | -5.27 | 9.36 | 9.80 | 0.41 |
| Free Cash Flow Per Share | 0.73 | -5.60 | 9.21 | 9.50 | -0.01 |
| Dividend Paid and CapEx Coverage Ratio | 0.97 | -5.36 | 19.70 | 16.25 | 0.66 |
| Capital Expenditure Coverage Ratio | 5.87 | -15.85 | 64.29 | 32.39 | 0.96 |
| Operating Cash Flow Coverage Ratio | 0.04 | -0.35 | 0.21 | 0.22 | 0.04 |
| Operating Cash Flow to Sales Ratio | 0.10 | -0.59 | 1.14 | 1.90 | 0.09 |
| Free Cash Flow Yield | 4.76% | -51.49% | 112.61% | 143.27% | -0.26% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 8.35 | 5.98 | 4.96 | 6.92 | 5.54 |
| Price-to-Sales (P/S) Ratio | 1.77 | 1.21 | 1.00 | 1.28 | 1.24 |
| Price-to-Book (P/B) Ratio | 1.12 | 0.86 | 0.72 | 0.67 | 0.56 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 21.02 | -1.94 | 0.89 | 0.70 | -388.77 |
| Price-to-Operating Cash Flow Ratio | 17.44 | -2.06 | 0.87 | 0.68 | 14.37 |
| Price-to-Earnings Growth (PEG) Ratio | 15.20 | 0.58 | 0.07 | -0.81 | 0.08 |
| Enterprise Value Multiple | 11.79 | 4.07 | 12.85 | 24.57 | -5.19 |
| Enterprise Value | 11.45B | 4.16B | 12.01B | 14.18B | -2.92B |
| EV to EBITDA | 11.79 | 4.07 | 12.85 | 24.57 | -5.19 |
| EV to Sales | 3.88 | 1.36 | 4.31 | 8.06 | -1.85 |
| EV to Free Cash Flow | 46.15 | -2.18 | 3.83 | 4.38 | 582.29 |
| EV to Operating Cash Flow | 38.28 | -2.32 | 3.77 | 4.25 | -21.52 |
| Tangible Book Value Per Share | 12.15 | 11.14 | 9.92 | 8.03 | 8.94 |
| Shareholders’ Equity Per Share | 13.66 | 12.61 | 11.36 | 9.87 | 10.32 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.29 | 0.32 | 0.32 | 0.31 | 0.24 |
| Revenue Per Share | 8.65 | 8.98 | 8.18 | 5.17 | 4.70 |
| Net Income Per Share | 1.82 | 1.82 | 1.65 | 0.96 | 1.05 |
| Tax Burden | 0.72 | 0.68 | 0.68 | 0.69 | 0.76 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.10 | 0.09 | 0.08 | 0.13 | 0.13 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 0.48 | -2.89 | 5.67 | 10.53 | 0.39 |
Currency in EUR
