-1.05%
5.59%
15.13%
22.73%
36.30%
79.71%
137.99%
AI Spotlight on CE
Company Description
Credito Emiliano S.p.A., together with its subsidiaries, provides various banking services to retail and corporate customers primarily in Italy.It operates through Commercial Banking, Asset Management, Bancassurance, Trading, ALM Treasury, and Corporate Centre and Other segments.The company's deposit products include current and savings accounts, time deposits, certificates of deposit, bonds, and subordinated debts; and loan portfolio comprises mortgages, credit cards, personal loans, and salary-backed loans.
It also offers wealth management services, including management of mutual investment funds, SICAV, portfolio management, and private equity and hedge funds; and asset management, bancassurance, fiduciary, remote banking, savings management, brokerage, financial leasing, factoring, insurance, and ALM treasury services.In addition, the company provides cheese warehousing, real estate management, and trading services, as well as develops software.As of December 31, 2021, it operated through 625 branches, business centers, and financial outlets in 20 regions.
The company was founded in 1910 and is headquartered in Reggio Emilia, Italy.Credito Emiliano S.p.A. is a subsidiary of Credito Emiliano Holding S.p.A.
Market Data
| Last Price | 11.34 |
| Change Percentage | -1.05% |
| Open | 11.52 |
| Previous Close | 11.46 |
| Market Cap ( Millions) | 3862 |
| Volume | 92297 |
| Year High | 11.58 |
| Year Low | 8.34 |
| M A 50 | 10.83 |
| M A 200 | 10.13 |
Financial Ratios
| FCF Yield | 2.76% |
| Dividend Yield | 5.73% |
| ROE | 15.39% |
| Debt / Equity | 208.47% |
| Net Debt / EBIDTA | 2214.17% |
| Price To Book | 0.93 |
| Price Earnings Ratio | 6.34 |
| Price To FCF | 36.17 |
| Price To sales | 1.3 |
| EV / EBITDA | 37.11 |
News
- Jan -09 - Top Dividend Stocks To Enhance Your Portfolio
- Dec -06 - Top Dividend Stocks To Consider In December 2024
- Nov -14 - Credem and Worldline forge long-term alliance
- Nov -06 - Best Dividend Stocks To Consider In November 2024
- Oct -09 - Credito Emiliano (FRA:EAO) H1 2024 Earnings Call Highlights: Record Net Profit and Robust ...
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Commercial Banking
Expected Growth : 5.83 %
What the company do ?
Commercial Banking from Credito Emiliano S.p.A. provides financial services to businesses, including cash management, trade finance, and lending solutions to support their growth and development.
Why we expect these perspectives ?
Credito Emiliano S.p.A.'s 5.83% commercial banking growth is driven by a strong loan portfolio expansion, fueled by a robust Italian economy and increasing demand for credit from SMEs. Additionally, the bank's strategic focus on digitalization and cost optimization has improved operational efficiency, contributing to the growth.
Segment n°2 -> Private Banking
Expected Growth : 6.47 %
What the company do ?
Private Banking from Credito Emiliano S.p.A. offers personalized financial services to high net worth individuals, providing tailored investment solutions and wealth management.
Why we expect these perspectives ?
Credito Emiliano S.p.A.'s Private Banking segment growth of 6.47% is driven by increasing high net worth individuals in Italy, strong wealth management services, and strategic partnerships. Additionally, the bank's digital transformation and expanded product offerings have attracted new clients, while its strong brand reputation and personalized services have led to increased customer loyalty and retention.
Segment n°3 -> Non-banking, Consumer Credit, IT Technology
Expected Growth : 8.38 %
What the company do ?
Non-banking, Consumer Credit, IT Technology from Credito Emiliano S.p.A. provides financial services and technology solutions for consumer credit, supporting lending and credit management.
Why we expect these perspectives ?
Credito Emiliano S.p.A.'s 8.38% growth in Non-banking, Consumer Credit, and IT Technology is driven by increasing demand for digital lending, expansion into new markets, and strategic partnerships. The company's innovative IT platform and data analytics capabilities have improved operational efficiency, reduced costs, and enhanced customer experience, contributing to its growth momentum.
Segment n°4 -> Eliminations, Adjustments and Reclassifications
Expected Growth : 6.37 %
What the company do ?
Eliminations: removal of inter-company transactions. Adjustments: corrections to financial statements. Reclassifications: reorganization of financial statement items, all from Credito Emiliano S.p.A.
Why we expect these perspectives ?
Credito Emiliano S.p.A.'s 6.37% growth driven by strong loan growth, improved asset quality, and effective cost management. Eliminations primarily relate to intersegment transactions. Adjustments include one-time gains from asset sales and reclassifications of non-recurring items. Reclassifications mainly involve the re-allocation of certain expenses between segments, enhancing transparency and comparability.
Segment n°5 -> Asset Management
Expected Growth : 7.37 %
What the company do ?
Credito Emiliano S.p.A.'s Asset Management offers investment solutions to individuals, companies, and institutions, managing financial assets to achieve clients' goals.
Why we expect these perspectives ?
Credito Emiliano S.p.A.'s 7.37% growth in Asset Management is driven by increasing demand for wealth management services, strategic partnerships, and expansion into new markets. Additionally, the company's focus on digital transformation, cost optimization, and investment in human capital have contributed to its growth.
Segment n°6 -> Insurance
Expected Growth : 7.4 %
What the company do ?
Insurance from Credito Emiliano S.p.A. provides financial protection to individuals and businesses, offering coverage for various risks, such as life, accidents, and property damages.
Why we expect these perspectives ?
Credito Emiliano S.p.A.'s 7.4% insurance growth driven by increasing demand for protection products, expansion into new regions, and strategic partnerships. Additionally, the insurer's digital transformation efforts, improved customer service, and competitive pricing strategies have contributed to its growth momentum.
Credito Emiliano S.P.A. Products
| Product Range | What is it ? |
|---|---|
| Retail Banking | Credito Emiliano S.p.A. offers a range of retail banking services, including current accounts, savings accounts, credit cards, personal loans, and mortgages. |
| Corporate Banking | Credito Emiliano S.p.A. provides corporate banking services, including cash management, trade finance, and lending solutions, to support businesses of all sizes. |
| Private Banking | Credito Emiliano S.p.A. offers private banking services, including wealth management, investment advice, and portfolio management, to high net worth individuals. |
| Insurance Services | Credito Emiliano S.p.A. offers a range of insurance products, including life insurance, non-life insurance, and pension plans, to individuals and businesses. |
| Wealth Management | Credito Emiliano S.p.A. provides wealth management services, including investment advice, portfolio management, and asset management, to individuals and institutions. |
Credito Emiliano S.p.A.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Credito Emiliano S.p.A. is medium due to the presence of alternative financial institutions and digital payment systems.
Bargaining Power Of Customers
The bargaining power of customers is high due to the high level of competition in the banking industry, giving customers the power to choose from a variety of financial institutions.
Bargaining Power Of Suppliers
The bargaining power of suppliers is low due to the limited number of suppliers of financial services and the high level of competition among them.
Threat Of New Entrants
The threat of new entrants is medium due to the high barriers to entry in the banking industry, including regulatory requirements and high capital requirements.
Intensity Of Rivalry
The intensity of rivalry is high due to the high level of competition among financial institutions, leading to a high level of advertising and promotional expenses.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 82.66% |
| Debt Cost | 9.23% |
| Equity Weight | 17.34% |
| Equity Cost | 9.23% |
| WACC | 9.23% |
| Leverage | 476.62% |
Credito Emiliano S.p.A. : Quality Control
Credito Emiliano S.p.A. passed 6 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| SYDB.CO | Sydbank A/S, together with its subsidiaries, provides various banking products and services to corporate and retail customers in Denmark and internationally. The company operates in Banking, Asset Management, Sydbank Markets, … |
| ING.WA | ING Bank Slaski S.A., together with its subsidiaries, provides various banking products and services in Poland. The company operates in two segments, Retail Banking and Corporate Banking. The Retail Banking … |
| RBI.VI | Raiffeisen Bank International AG, together with its subsidiaries, engages in the provision of corporate, retail, and investment banking services. The company offers cross border accounts, cash management, electronic banking, payments … |
| SRBNK.OL | SpareBank 1 SR-Bank ASA, together with its subsidiaries, provides various financial products and services for personal and corporate customers in Southern and Western Norway. The company offers its products and … |
| BKT.MC | Bankinter, S.A. provides various banking products and services to individuals and corporate customers, and small- and medium-sized enterprises in Spain. It offers salary, non-salary, professional, basic, currency, pension, business, and … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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SpareBank 1 SR-Bank
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Sydbank
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Bankinter
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4
Credito Emiliano
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5
Raiffeisen Bank International
A-Score
1-Year Total Return ->
6
