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Total Valuation
Credito Emiliano SPA Credem has a market cap or net worth of €6.43B. The enterprise value is €13.41K.
Market Cap€6.43B
Enterprise Value€13.41K
Share Statistics
Credito Emiliano SPA Credem has 341,320,070 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding341,320,070
Owned by Insiders―
Owned by Institutions―
Financial Efficiency
Credito Emiliano SPA Credem’s return on equity (ROE) is 0.13 and return on invested capital (ROIC) is 0.91%.
Return on Equity (ROE)0.13
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)0.91%
Return on Capital Employed (ROCE)0.01
Revenue Per Employee434.22K
Profits Per Employee91.39K
Employee Count6,800
Asset Turnover0.04
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Credito Emiliano SPA Credem is 12.1. Credito Emiliano SPA Credem’s PEG ratio is 15.20.
PE Ratio12.1
PS Ratio1.77
PB Ratio1.12
Price to Fair Value1.12
Price to FCF21.02
Price to Operating Cash Flow-5.71
PEG Ratio15.20
Income Statement
In the last 12 months, Credito Emiliano SPA Credem had revenue of 2.95B and earned 621.47M in profits. Earnings per share was 1.83.
Revenue2.95B
Gross Profit2.34B
Operating Income868.65M
Pretax Income861.55M
Net Income621.47M
EBITDA906.74M
Earnings Per Share (EPS)1.83
Cash Flow
In the last 12 months, operating cash flow was -1.13B and capital expenditures -15.09M, giving a free cash flow of -1.15B billion.
Operating Cash Flow-1.13B
Free Cash Flow-1.15B
Free Cash Flow per Share-3.36
Dividends & Yields
Credito Emiliano SPA Credem pays an annual dividend of €0.75, resulting in a dividend yield of 3.96%
Dividend Per Share€0.75
Dividend Yield3.96%
Payout Ratio39.96%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.99
52-Week Price Change59.45%
50-Day Moving Average16.40
200-Day Moving Average14.66
Relative Strength Index (RSI)78.08
Average Volume (3m)135.84K
Important Dates
Credito Emiliano SPA Credem upcoming earnings date is Aug 4, 2026, TBA (Confirmed).
Last Earnings DateMay 5, 2026
Next Earnings DateAug 4, 2026
Ex-Dividend Date―
Financial Position
Credito Emiliano SPA Credem as a current ratio of 42.78, with Debt / Equity ratio of 179.56%
Current Ratio42.78
Quick Ratio42.78
Debt to Market Cap1.46
Net Debt to EBITDA6.88
Interest Coverage Ratio1.54
Taxes
In the past 12 months, Credito Emiliano SPA Credem has paid 247.18M in taxes.
Income Tax247.18M
Effective Tax Rate0.29
Enterprise Valuation
Credito Emiliano SPA Credem EV to EBITDA ratio is 12.63, with an EV/FCF ratio of 46.15.
EV to Sales3.88
EV to EBITDA12.63
EV to Free Cash Flow46.15
EV to Operating Cash Flow38.28
Balance Sheet
Credito Emiliano SPA Credem has €1.32B in cash and marketable securities with €8.13B in debt, giving a net cash position of -€6.81B billion.
Cash & Marketable Securities€1.32B
Total Debt€8.13B
Net Cash-€6.81B
Net Cash Per Share-€19.96
Tangible Book Value Per Share€12.15
Margins
Gross margin is 80.70%, with operating margin of 29.42%, and net profit margin of 21.05%.
Gross Margin80.70%
Operating Margin29.42%
Pretax Margin29.18%
Net Profit Margin21.05%
EBITDA Margin30.71%
EBIT Margin29.12%
Analyst Forecast
The average price target for Credito Emiliano SPA Credem is €16.20, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target€16.20
Price Target Upside5.06% Upside
Analyst ConsensusHold
Analyst Count1
Revenue Growth Forecast-10.60%
EPS Growth Forecast-22.83%