Credito Emiliano S.p.A. (BIT:CE)
Italy · Delayed Price · Currency is EUR 20.70
+0.08 (0.39%)
Aug 14, 2026, 1:44 PM CET
Credito Emiliano Financials Overview
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 1,421 | 2,129 | 2,153 | 2,056 | 1,624 | 1,365 |
Revenue Growth | 28.38% | -1.10% | 4.74% | 26.60% | 18.98% | 29.55% |
Net Income Net Income Growth | 389.21 | 621.47 | 620.05 | 562.12 | 326.12 | 352.43 |
Earnings Per Share EPS Growth | 1.14 | 1.83 | 1.82 | 1.65 | 0.93 | 1.05 |
EPS Growth | 140.51% | 0.55% | 10.30% | 77.42% | -11.43% | 72.13% |
| Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Private Banking Private Banking Growth | 279.5 | 303.8 | 259.4 | 81 | - |
Commercial Banking Commercial Banking Growth | 1,214 | 1,317 | 1,328 | 1,084 | 818.98 |
Non-Banking, Consumer Credit and Other Non-Banking, Consumer Credit and Other Growth | 250.7 | 235.4 | 206.6 | 181.9 | - |
Eliminations, Adjustments and Reclassifications Eliminations, Adjustments and Reclassifications Growth | -130.5 | -123.6 | -130.8 | -87 | - |
Asset Management Asset Management Growth | 120 | 161.1 | 109.6 | 78.3 | 124.3 |
Insurance Insurance Growth | 102.3 | 95.3 | 98.7 | 90.7 | - |
Total Total Growth | 1,836 | 1,989 | 1,872 | 1,429 | 1,522 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 827.56 | 1,403 | 4,208 | 6,327 | 3,358 | 230.95 |
Total Debt Total Debt Growth | 4,664 | 4,519 | 4,445 | 4,582 | 3,478 | 2,424 |
Net Cash (Debt) Net Cash Growth | -3,836 | -3,115 | -237.35 | 1,745 | -120.36 | -2,193 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -11.28 | -9.15 | -0.70 | 5.13 | -0.35 | -6.54 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | -567.94 | -2,526 | -1,823 | 3,188 | 3,336 | 0.14 |
Capital Expenditures CapEx Growth | -20.65 | -30.34 | -22.9 | -49.58 | -44.84 | -0.08 |
Free Cash Flow Free Cash Flow Growth | -588.59 | -2,556 | -1,846 | 3,138 | 3,291 | 0.06 |
Free Cash Flow Growth | - | - | - | -4.64% | 5673544.11% | -99.88% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Pretax Margin | 15.37% | 40.80% | 42.32% | 40.14% | 29.27% | 34.16% |
Profit Margin | 27.40% | 29.19% | 28.80% | 27.35% | 20.09% | 25.84% |
FCF Margin | -41.43% | -120.06% | -85.75% | 152.67% | 202.70% | 0.00% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 14, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 0.750 | 0.750 | 0.750 | 0.450 | 0.330 | 0.300 |
Dividend Per Share Growth | -21.05% | 0% | 66.67% | 36.36% | 10.00% | 50.00% |
Dividend Yield | 3.64% | 4.92% | 5.98% | 4.11% | 4.53% | 0.00% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 14, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 12.46 | 8.35 | 5.98 | 4.87 | 7.13 | 5.54 |
Forward PE | 12.27 | 10.40 | 7.01 | 5.65 | 8.18 | 8.71 |
P/FCF Ratio | - | - | - | 0.87 | 0.68 | 34160.60 |
PS Ratio | 3.68 | 2.44 | 1.72 | 1.33 | 1.39 | 1.45 |