Loading…
Italian regional bank offering retail, corporate and private banking, mainly in Emilia-Romagna and northern Italy.
Italian regional bank offering retail, corporate and private banking, mainly in Emilia-Romagna and northern Italy.
Earns mostly from interest on loans to local households and small businesses funded by deposits, with fees from selling asset-management, insurance and payment products through the same branches. A holding company held by local families controls the bank.
Moat: narrow (scale, distribution, brand). Well-regarded regional Italian bank known for conservative underwriting and strong local branch presence.
Headquarters: Reggio Emilia, Italy · Founded: 1910
Size Credito Emiliano (CE.MI) is an Italy Financials company (Major Banks) with a market value of $7.48B, the 33rd largest of 123 Italy companies the cockpit tracks. Shares closed at €19.63 on 6 Nov 2026.
Performance Over six months the shares gained 26.2%, against +3.8% for the median peer and +3.1% for the Italy market (cap-weighted) — 3rd highest of 21 in its peer set.
Growth Revenue fell 1.8% over the last twelve months (peer median +6.6%); the operating margin is 32.0% (peer median 39.7%).
Valuation It trades at 1.41× book value against a peer median of 1.17× (6th most expensive of 21).
Price implies The share price implies a return on equity of about 13.1%; Credito Emiliano delivers 12.3%, so the price asks more than the business earns today.
Next results Next results expected around 8 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | €3.17B | €2.96B | €3.26B | €2.97B | €1.80B |
| Revenue growth | — | -9% | +10% | +65% | — |
| Net income | €563M | €621M | €620M | €562M | €326M |
| Free cash flow | n/a | -€3.45B | €699M | €1.16B | -€141M |
| Capital expenditure | n/a | €102M | €83.3M | €113M | €102M |
| Total debt | €6.91B | €9.63B | €12.5B | €15.5B | €15.3B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Credito Emiliano CE.MI | $7.48B | +26% | -2% | 12% | 1.41× | 13.1% |
| Intesa Sanpaolo ISP.MI | $120B | +6% | -6% | 16% | 1.81× | 20.7% |
| UniCredit UCG.MI | $130B | +6% | +2% | 17% | 1.77× | 25.8% |
| Banco BPM BAMI.MI | $22.8B | +1% | -4% | 12% | 1.30× | 13.5% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | CE.MI | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -1.2% | +2.3% | 8th lowest of 21 |
| 6-month return | +26.2% | +3.8% | 3rd highest of 21 |
| Return on equity | 12.3% | 10.5% | 7th highest of 21 |
| Price / book | 1.41× | 1.17× | 6th most expensive of 21 |
| Trailing P/E | 11.9× | 11.4× | 10th most expensive of 21 |
| ROE the price implies | 13.1% | 10.6% | 8th most demanding of 21 |
| ROE delivered | 12.3% | 10.5% | 7th highest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Credito Emiliano CE.MI | Italy | $7.48B | +26% | -2% | 12% | 1.41× | 13.1% | 12.3% |
| IndusInd Bank INDUSINDBK.NS | India | $7.48B | -4% | -2% | 5% | 1.04× | 17.8% | 4.5% |
| Lion Finance BGEO.L | United Kingdom | $7.39B | +20% | +19% | 27% | 1.89× | 21.1% | 27.3% |
| Mebuki Financial 7167.T | Japan | $7.57B | +6% | +25% | 9% | 1.16× | 6.2% | 9.2% |
| Valley National Bancorp VLY | United States | $7.75B | +5% | +3% | 9% | 1.03× | 10.6% | 9.4% |
| Fukuoka Financial 8354.T | Japan | $7.75B | 0% | +22% | 9% | 1.08× | 7.0% | 8.7% |
| BOK Financial BOKF | United States | $7.87B | -2% | +3% | 11% | 1.33× | 10.6% | 11.2% |
| Bank of Maharashtra MAHABANK.NS | India | $7.08B | +2% | +17% | 23% | 1.79× | 26.2% | 23.3% |
| Huishang Bank 3698.HK | Hong Kong | $8.31B | -8% | +1% | 11% | 0.36× | 3.8% | 10.7% |
| Bank of India BANKINDIA.NS | India | $6.68B | -1% | +9% | 14% | 0.67× | 12.5% | 14.1% |
| Federal Bank Ltd. (India) FEDERALBNK.NS | India | $8.81B | +14% | +11% | 13% | 1.97× | 27.7% | 13.1% |
| F.N.B FNB | United States | $6.28B | 0% | +2% | 9% | 0.92× | 8.9% | 9.0% |
| Indian Overseas Bank IOB.NS | India | $6.23B | -13% | +14% | 18% | 1.46× | 17.2% | 17.9% |
| Jyske Bank A/S JYSK.CO | Denmark | $9.02B | +25% | +3% | 10% | 1.32× | 5.3% | 10.3% |
| RBL Bank RBLBANK.NS | India | $6.21B | +10% | +9% | 4% | 1.35× | 23.1% | 4.0% |
| IDBI Bank IDBI.NS | India | $9.04B | +5% | +3% | 12% | 1.18× | 26.1% | 11.8% |
| AL Sydbank A/S ALSYDB.CO | Denmark | $9.20B | +37% | +27% | 10% | 1.78× | 6.3% | 9.6% |
| Bank of East Asia 0023.HK | Hong Kong | $6.03B | +27% | -9% | 3% | 0.44× | 5.2% | 3.2% |
| Old National Bancorp ONB | United States | $9.43B | +3% | +18% | 12% | 1.17× | 10.3% | 11.5% |
| Unicaja Banco UNI.MC | Spain | $9.53B | +20% | -3% | 10% | 1.34× | 12.2% | 10.1% |
| Zions Bancorporation NA Depositary Shs Repr 1/40th Int Ser A Flt Rt Non Cum Perp Pfd ZIONP | United States | $9.72B | -16% | +4% | 16% | 0.31× | 4.0% | 16.5% |