Update shared on 20 Nov 2025
Fair value Increased 4.76%Analysts have raised their price target for Credito Emiliano from €13.65 to €14.30, citing improved revenue growth expectations and a slightly lower discount rate as supporting factors.
What's in the News
- Credito Emiliano and Google Cloud extended their partnership to provide employees with Google Workspace with Gemini, integrating generative AI into daily tools. The initiative includes a company-wide AI skills assessment and over 30,000 hours of targeted AI training planned for the year (Key Developments).
- The bank is exploring further adoption of advanced Google Cloud tools, such as Gemini Enterprise and Vertex AI, to develop AI agents for enhanced operational efficiency. There is a continued focus on regulatory compliance and data confidentiality (Key Developments).
- Credito Emiliano completed the repurchase of 416,091 shares, representing 0.12% of company equity, for €5.1 million as part of its previously announced buyback tranche between June 5 and June 30, 2025 (Key Developments).
Valuation Changes
- Consensus Analyst Price Target has increased from €13.65 to €14.30, reflecting a moderate improvement in fair value estimates.
- Discount Rate has decreased slightly from 11.05% to 10.99%, suggesting a lower perceived risk in forecasting future cash flows.
- Revenue Growth expectations have risen from 1.89% to 2.39%, indicating improved confidence in the company’s growth outlook.
- Net Profit Margin has edged up from 26.38% to 26.45%, indicating a marginal increase in projected profitability.
- Future P/E has increased modestly from 12.67x to 12.77x, pointing to a slight change in valuation relative to future earnings.
Disclaimer
AnalystConsensusTarget is a tool utilizing a Large Language Model (LLM) that ingests data on consensus price targets, forecasted revenue and earnings figures, as well as the transcripts of earnings calls to produce qualitative analysis. The narratives produced by AnalystConsensusTarget are general in nature and are based solely on analyst data and publicly-available material published by the respective companies. These scenarios are not indicative of the company's future performance and are exploratory in nature. Simply Wall St has no position in the company(s) mentioned. Simply Wall St may provide the securities issuer or related entities with website advertising services for a fee, on an arm's length basis. These relationships have no impact on the way we conduct our business, the content we host, or how our content is served to users. The price targets and estimates used are consensus data, and do not constitute a recommendation to buy or sell any stock, and they do not take account of your objectives, or your financial situation. Note that AnalystConsensusTarget's analysis may not factor in the latest price-sensitive company announcements or qualitative material.