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Credito Emiliano SpA
MIL:CE

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Credito Emiliano SpA
MIL:CE
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Price: 15.14 EUR 0.26% Market Closed
Market Cap: €5.2B

P/E

8.3
Current
94%
More Expensive
vs 3-y average of 4.3

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.

P/E
8.3
=
Market Cap
€5.1B
/
Net Income
€621.5m

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.

P/E
8.3
=
Market Cap
€5.1B
/
Net Income
€621.5m

Valuation Scenarios

Credito Emiliano SpA is trading above its 3-year average

If P/E returns to its 3-Year Average (4.3), the stock would be worth €7.79 (49% downside from current price).

Statistics
Positive Scenarios
2/4
Maximum Downside
-49%
Maximum Upside
+68%
Average Downside
7%
Scenario P/E Value Implied Price Upside/Downside
Current Multiple 8.3 €15.14
0%
3-Year Average 4.3 €7.79
-49%
5-Year Average 4.3 €7.93
-48%
Industry Average 8.5 €15.47
+2%
Country Average 13.9 €25.39
+68%

Forward P/E
Today’s price vs future net income

Today's Market Cap Net Income Forward P/E
€5.1B
/
Jan 2026
€621.5m
=
8.3
Current
€5.1B
/
Dec 2026
€515.9m
=
9.9
Forward
€5.1B
/
Dec 2027
€547m
=
9.4
Forward
€5.1B
/
Dec 2028
€582.7m
=
8.8
Forward
€5.1B
/
Dec 2029
€567.6m
=
9
Forward

Forward P/E shows whether today’s P/E still looks high or low once future net income are taken into account.

Market Distribution

Lower than 80% of companies in Italy
Percentile
20th
Based on 848 companies
20th percentile
8.3
Low
0 — 9.4
Typical Range
9.4 — 18.9
High
18.9 —
Distribution Statistics
Italy
Min 0
30th Percentile 9.4
Median 13.9
70th Percentile 18.9
Max 1 301.9

Other Multiples

Credito Emiliano SpA
Glance View

Market Cap
5.2B EUR
Industry
Banking

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.

CE Intrinsic Value
17.23 EUR
Undervaluation 12%
Intrinsic Value
Price €15.14
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