Credito Emiliano SpA
MIL:CE
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P/E
Price to Earnings (P/E) ratio shows how much investors pay for each dollar of a company`s earnings. It`s calculated by dividing the company`s market value by its total earnings.
Price to Earnings (P/E) ratio shows how much investors pay for each dollar of a company`s earnings. It`s calculated by dividing the company`s market value by its total earnings.
Valuation Scenarios
If P/E returns to its 3-Year Average (4.3), the stock would be worth €7.79 (49% downside from current price).
| Scenario | P/E Value | Implied Price | Upside/Downside |
|---|---|---|---|
| Current Multiple | 8.3 | €15.14 |
0%
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| 3-Year Average | 4.3 | €7.79 |
-49%
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| 5-Year Average | 4.3 | €7.93 |
-48%
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| Industry Average | 8.5 | €15.47 |
+2%
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| Country Average | 13.9 | €25.39 |
+68%
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Forward P/E
Today’s price vs future net income
| Today's Market Cap | Net Income | Forward P/E | ||
|---|---|---|---|---|
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€5.1B
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/ |
Jan 2026
€621.5m
|
= |
|
|
€5.1B
|
/ |
Dec 2026
€515.9m
|
= |
|
|
€5.1B
|
/ |
Dec 2027
€547m
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= |
|
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€5.1B
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/ |
Dec 2028
€582.7m
|
= |
|
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€5.1B
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/ |
Dec 2029
€567.6m
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= |
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Forward P/E shows whether today’s P/E still looks high or low once future net income are taken into account.
Peer Comparison
| Market Cap | P/E | ||||
|---|---|---|---|---|---|
| IT |
|
Credito Emiliano SpA
MIL:CE
|
5.1B EUR | 8.3 | |
| US |
|
JPMorgan Chase & Co
NYSE:JPM
|
828.6B USD | 14.4 | |
| ZA |
C
|
Capitec Bank Holdings Ltd
JSE:CPI
|
520.7B ZAR | 30.9 | |
| ZA |
S
|
Standard Bank Group Ltd
JSE:SBK
|
512.6B ZAR | 10.4 | |
| CN |
|
Industrial and Commercial Bank of China Ltd
SSE:601398
|
2.7T CNY | 7.5 | |
| US |
|
Bank of America Corp
NYSE:BAC
|
377B USD | 12.5 | |
| CN |
|
China Construction Bank Corp
SSE:601939
|
2.6T CNY | 7.7 | |
| CN |
|
Agricultural Bank of China Ltd
SSE:601288
|
2.4T CNY | 8.8 | |
| UK |
|
HSBC Holdings PLC
LSE:HSBA
|
228.6B GBP | 14.6 | |
| CN |
|
Bank of China Ltd
SSE:601988
|
1.9T CNY | 8.2 | |
| US |
|
Wells Fargo & Co
NYSE:WFC
|
249.8B USD | 12.1 |
Market Distribution
| Min | 0 |
| 30th Percentile | 9.4 |
| Median | 13.9 |
| 70th Percentile | 18.9 |
| Max | 1 301.9 |
Other Multiples
Credito Emiliano SpA
Glance View
Credito Emiliano SpA, commonly known as Credem, stands as a testament to Italy's robust banking heritage, strategically blending tradition with modernity. Established in 1910, it has grown into one of Italy's most respected financial institutions by skillfully navigating the complex tides of the banking industry. At its core, Credem operates through a comprehensive network of branches that focus on a wide array of banking services, catering to both individual clients and businesses. Its operations span retail banking, corporate banking, wealth management, and insurance, allowing it to draw revenue from diverse financial services. This multifaceted approach enables Credem to adapt to changing economic environments while maintaining steady growth. The bank's unique business model thrives on its commitment to customer-oriented solutions, emphasizing personalized service to cultivate strong client relationships. This keen focus on client needs is complemented by its investment in digital transformation, enhancing operational efficiency and customer engagement through innovative technologies. By embracing a hybrid strategy that balances in-person service excellence with digital convenience, Credem manages to appeal to a broad clientele. Additionally, its robust risk management practices help safeguard its financial health, ensuring sustainable profitability. In merging traditional banking values with forward-thinking innovation, Credem continues to establish its influence within the competitive Italian banking sector.