Credito Emiliano S.p.A.

LSE:0K93 Stock Report

Market Cap: €3.6b

Credito Emiliano Past Earnings Performance

Past criteria checks 4/6

Credito Emiliano has been growing earnings at an average annual rate of 26%, while the Banks industry saw earnings growing at 24% annually. Revenues have been growing at an average rate of 13.5% per year. Credito Emiliano's return on equity is 14.6%, and it has net margins of 31.9%.

Key information

26.0%

Earnings growth rate

27.4%

EPS growth rate

Banks Industry Growth21.2%
Revenue growth rate13.5%
Return on equity14.6%
Net Margin31.9%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Credito Emiliano makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

LSE:0K93 Revenue, expenses and earnings (EUR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 241,9076098310
30 Jun 241,8925878340
31 Mar 241,8735888170
31 Dec 231,8235627960
30 Sep 231,7605397980
30 Jun 231,6424687810
31 Mar 231,4913817750
31 Dec 221,3823267600
30 Sep 221,3573037630
30 Jun 221,3183737030
31 Mar 221,3193707650
31 Dec 211,2903527530
30 Sep 211,2013387550
30 Jun 211,2012607200
31 Mar 211,1242236970
31 Dec 201,0672026780
30 Sep 201,0661837670
30 Jun 201,0631787660
31 Mar 201,1071977850
31 Dec 191,1142017830
30 Sep 191,0891937860
30 Jun 191,0661937790
31 Mar 191,0431777740
31 Dec 181,0611877750
30 Sep 181,0591917700
30 Jun 181,0391807610
31 Mar 181,0531927560
31 Dec 171,0281867490
30 Sep 171,0511757770
30 Jun 171,0411637690
31 Mar 171,0091347730
31 Dec 161,0021327650
30 Sep 169631197620
30 Jun 169471177500
31 Mar 169241297360
31 Dec 159831667240
30 Sep 159691747000
30 Jun 159591726850
31 Mar 159731796830
31 Dec 149131526720
30 Sep 148501446730
30 Jun 148801446480
31 Mar 148251306440
31 Dec 138161166300

Quality Earnings: 0K93 has high quality earnings.

Growing Profit Margin: 0K93's current net profit margins (31.9%) are higher than last year (30.6%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 0K93's earnings have grown significantly by 26% per year over the past 5 years.

Accelerating Growth: 0K93's earnings growth over the past year (13%) is below its 5-year average (26% per year).

Earnings vs Industry: 0K93 earnings growth over the past year (13%) exceeded the Banks industry 10.1%.

Return on Equity

High ROE: 0K93's Return on Equity (14.6%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 15:51
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Credito Emiliano S.p.A. is covered by 22 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
null Equity TeamActinvest Group Ltd.
Luigi TramontanaBanca Akros S.p.A. (ESN)
Daniela MiccolisBanca Leonardo