Credito Emiliano S.p.A. (BIT:CE)
Italy · Delayed Price · Currency is EUR 20.64
+0.18 (0.88%)
Sep 3, 2026, 5:10 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 | 1,905 | 1,800 | 1,937 | 1,823 | 1,382 | 1,290 |
Revenue Growth | 2.94% | -7.07% | 6.25% | 31.93% | 7.11% | 20.98% |
Net Income Net Income Growth | 562.59 | 621.47 | 620.05 | 562.12 | 326.12 | 352.43 |
Earnings Per Share EPS Growth | 1.66 | 1.83 | 1.82 | 1.65 | 0.93 | 1.05 |
EPS Growth | -15.55% | 0.33% | 10.30% | 77.42% | -11.43% | 72.69% |
| 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 |
Commercial Banking Commercial Banking Growth | 1,248 | 1,214 | 1,317 | 1,328 | 1,084 | 818.98 |
Private Banking Private Banking Growth | 301.3 | 279.5 | 303.8 | 259.4 | 81 | - |
Non-Banking, Consumer Credit and Other Non-Banking, Consumer Credit and Other Growth | 262.1 | 250.7 | 235.4 | 206.6 | 181.9 | - |
Asset Management Asset Management Growth | 141.8 | 120 | 161.1 | 109.6 | 78.3 | 124.3 |
Insurance Insurance Growth | 114.3 | 102.3 | 95.3 | 98.7 | 90.7 | - |
Eliminations, Adjustments and Reclassifications Eliminations, Adjustments and Reclassifications Growth | -131.7 | -130.5 | -123.6 | -130.8 | -87 | - |
Total Total Growth | 1,936 | 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 | 2,774 | 3,039 | 4,782 | 7,000 | 4,307 | 584.79 |
Total Debt Total Debt Growth | 8,855 | 10,031 | 13,183 | 16,166 | 15,275 | 19,134 |
Net Cash (Debt) Net Cash Growth | -6,081 | -6,992 | -8,401 | -9,167 | -10,968 | -18,549 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -17.89 | -20.54 | -24.67 | -26.96 | -32.22 | -55.34 |
| 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 | 135.81 |
Capital Expenditures CapEx Growth | -20.65 | -30.34 | -22.9 | -49.58 | -44.84 | -77.8 |
Free Cash Flow Free Cash Flow Growth | -588.59 | -2,556 | -1,846 | 3,138 | 3,291 | 58.01 |
Free Cash Flow Growth | - | - | - | -4.64% | 5573.64% | 23.12% |
| 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 |
Profit Margin | 29.53% | 34.52% | 32.01% | 30.83% | 23.59% | 27.31% |
FCF Margin | -30.89% | -141.99% | -95.28% | 172.10% | 238.11% | 4.50% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 3, 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 | 3.67% | 5.16% | 7.70% | 6.66% | 6.21% | 6.81% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 3, 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 | 12.36 | 8.38 | 5.92 | 4.86 | 6.91 | 5.62 |
Forward PE | 12.17 | 10.40 | 7.01 | 5.65 | 8.18 | 8.71 |
P/FCF Ratio | - | - | - | 0.87 | 0.68 | 34.15 |
PS Ratio | 3.65 | 2.89 | 1.89 | 1.50 | 1.63 | 1.54 |