Loading...

Banca Carige. - Cassa di Risparmio di Genova e Imperia

LSE:0R7M
Snowflake Description

High growth potential with mediocre balance sheet.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
0R7M
LSE
€84M
Market Cap
  1. Home
  2. GB
  3. Banks
Company description

Banca Carige S.p.A. - Cassa di Risparmio di Genova e Imperia provides various consumer and corporate banking products and services in Italy. The last earnings update was 31 days ago. More info.


Add to Portfolio Compare Print
0R7M Share Price and Events
7 Day Returns
0%
LSE:0R7M
0.8%
GB Banks
0.7%
GB Market
1 Year Returns
-81.2%
LSE:0R7M
-11.5%
GB Banks
0.9%
GB Market
0R7M Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Banca Carige. - Cassa di Risparmio di Genova e Imperia (0R7M) 0% 0% 0% -81.2% -99.7% -100%
GB Banks 0.8% -1.7% 2.6% -11.5% 17.9% -18.7%
GB Market 0.7% 1.9% 8.3% 0.9% 14.8% 1.6%
1 Year Return vs Industry and Market
  • 0R7M underperformed the Banks industry which returned -11.5% over the past year.
  • 0R7M underperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned 0.9% over the past year.
Price Volatility
0R7M
Industry
5yr Volatility vs Market

0R7M Value

 Is Banca Carige. - Cassa di Risparmio di Genova e Imperia undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for Banca Carige. - Cassa di Risparmio di Genova e Imperia. This is due to cash flow or dividend data being unavailable. The share price is €0.00155.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Banca Carige. - Cassa di Risparmio di Genova e Imperia's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Banca Carige. - Cassa di Risparmio di Genova e Imperia's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LSE:0R7M PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in EUR €-0.01
BIT:CRG Share Price ** BIT (2018-12-31) in EUR €0
United Kingdom of Great Britain and Northern Ireland Banks Industry PE Ratio Median Figure of 15 Publicly-Listed Banks Companies 9.08x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 800 Publicly-Listed Companies 15.48x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Banca Carige. - Cassa di Risparmio di Genova e Imperia.

LSE:0R7M PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= BIT:CRG Share Price ÷ EPS (both in EUR)

= 0 ÷ -0.01

-0.2x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Banca Carige. - Cassa di Risparmio di Genova e Imperia is loss making, we can't compare its value to the GB Banks industry average.
  • Banca Carige. - Cassa di Risparmio di Genova e Imperia is loss making, we can't compare the value of its earnings to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does Banca Carige. - Cassa di Risparmio di Genova e Imperia's expected growth come at a high price?
Raw Data
LSE:0R7M PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -0.2x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts
75.5%per year
United Kingdom of Great Britain and Northern Ireland Banks Industry PEG Ratio Median Figure of 14 Publicly-Listed Banks Companies 0.77x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 570 Publicly-Listed Companies 1.39x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Banca Carige. - Cassa di Risparmio di Genova e Imperia, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Banca Carige. - Cassa di Risparmio di Genova e Imperia's assets?
Raw Data
LSE:0R7M PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in EUR €0.04
BIT:CRG Share Price * BIT (2018-12-31) in EUR €0
United Kingdom of Great Britain and Northern Ireland Banks Industry PB Ratio Median Figure of 16 Publicly-Listed Banks Companies 0.85x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,360 Publicly-Listed Companies 1.46x
LSE:0R7M PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= BIT:CRG Share Price ÷ Book Value per Share (both in EUR)

= 0 ÷ 0.04

0.04x

* Primary Listing of Banca Carige. - Cassa di Risparmio di Genova e Imperia.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Banca Carige. - Cassa di Risparmio di Genova e Imperia is good value based on assets compared to the GB Banks industry average.
X
Value checks
We assess Banca Carige. - Cassa di Risparmio di Genova e Imperia's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Banca Carige. - Cassa di Risparmio di Genova e Imperia has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

0R7M Future Performance

 How is Banca Carige. - Cassa di Risparmio di Genova e Imperia expected to perform in the next 1 to 3 years based on estimates from 1 analyst?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
75.5%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Banca Carige. - Cassa di Risparmio di Genova e Imperia expected to grow at an attractive rate?
  • Banca Carige. - Cassa di Risparmio di Genova e Imperia's earnings growth is expected to exceed the low risk savings rate of 1.2%.
Growth vs Market Checks
  • Banca Carige. - Cassa di Risparmio di Genova e Imperia's earnings growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
  • Banca Carige. - Cassa di Risparmio di Genova e Imperia's revenue growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
LSE:0R7M Future Growth Rates Data Sources
Data Point Source Value (per year)
LSE:0R7M Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts 75.5%
LSE:0R7M Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 1 Analysts 24.5%
United Kingdom of Great Britain and Northern Ireland Banks Industry Earnings Growth Rate Market Cap Weighted Average 12.5%
United Kingdom of Great Britain and Northern Ireland Banks Industry Revenue Growth Rate Market Cap Weighted Average 4.5%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 11.1%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.9%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
LSE:0R7M Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:0R7M Future Estimates Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 490 16 1
2020-12-31 492 -17 1
2019-12-31 435 -270 1
LSE:0R7M Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2018-12-31 212 -273
2018-09-30 -120 588 -397
2018-06-30 -18 49 -283
2018-03-31 -154 -374
2017-12-31 -197 606 -415
2017-09-30 114 10 -303
2017-06-30 112 1,090 -300
2017-03-31 144 703 -293
2016-12-31 97 1,817 -317
2016-09-30 147 -370
2016-06-30 193 2,164 -327
2016-03-31 357 1,829 -201

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Banca Carige. - Cassa di Risparmio di Genova e Imperia's earnings are expected to grow significantly at over 20% yearly.
  • Banca Carige. - Cassa di Risparmio di Genova e Imperia's revenue is expected to grow significantly at over 20% yearly.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LSE:0R7M Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below

All data from Banca Carige. - Cassa di Risparmio di Genova e Imperia Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0R7M Future Estimates Data
Date (Data in EUR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31
2020-12-31
2019-12-31 0.00 0.00 0.00 1.00
LSE:0R7M Past Financials Data
Date (Data in EUR Millions) EPS *
2018-12-31
2018-09-30 -0.01
2018-06-30
2018-03-31
2017-12-31 -0.08
2017-09-30 -0.37
2017-06-30 -0.36
2017-03-31 -0.35
2016-12-31 -0.38
2016-09-30 -0.46
2016-06-30 -0.39
2016-03-31 -0.31

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Banca Carige. - Cassa di Risparmio di Genova e Imperia is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Banca Carige. - Cassa di Risparmio di Genova e Imperia's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Banca Carige. - Cassa di Risparmio di Genova e Imperia has a total score of 5/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

0R7M Past Performance

  How has Banca Carige. - Cassa di Risparmio di Genova e Imperia performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Banca Carige. - Cassa di Risparmio di Genova e Imperia's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Banca Carige. - Cassa di Risparmio di Genova e Imperia does not make a profit even though their year on year earnings growth rate was positive over the past 5 years.
  • Unable to compare Banca Carige. - Cassa di Risparmio di Genova e Imperia's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare Banca Carige. - Cassa di Risparmio di Genova e Imperia's 1-year growth to the GB Banks industry average as it is not currently profitable.
Earnings and Revenue History
Banca Carige. - Cassa di Risparmio di Genova e Imperia's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Banca Carige. - Cassa di Risparmio di Genova e Imperia Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0R7M Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 212.00 -273.00
2018-09-30 -119.97 -396.54 488.20
2018-06-30 -17.74 -282.73 493.37
2018-03-31 -153.71 -374.48 514.06
2017-12-31 -197.27 -414.51 511.59
2017-09-30 114.46 -302.71 523.10
2017-06-30 111.77 -300.00 534.16
2017-03-31 144.22 -292.97 557.40
2016-12-31 96.71 -317.12 563.13
2016-09-30 146.55 -369.90 609.69
2016-06-30 193.34 -327.29 604.56
2016-03-31 357.26 -201.41 595.73
2015-12-31 375.05 -198.81 596.51
2015-09-30 123.37 -269.11 495.05
2015-06-30 68.52 -364.68 552.24
2015-03-31 37.18 -410.74 565.80
2014-12-31 92.25 -380.91 566.89
2014-09-30 -265.08 -480.05 632.92
2014-06-30 -295.53 -1,067.84 596.36
2014-03-31 -401.30 -1,673.64 571.85
2013-12-31 -288.93 -1,614.79 587.38
2013-09-30 63.19 -1,441.92 611.04
2013-06-30 345.02 -685.88 596.64
2013-03-31 612.76 27.04 630.25
2012-12-31 444.45 23.43 694.81
2012-09-30 1,014.87 176.41 633.37
2012-06-30 970.74 184.01 660.67
2012-03-31 972.69 177.19 664.80

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if Banca Carige. - Cassa di Risparmio di Genova e Imperia has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if Banca Carige. - Cassa di Risparmio di Genova e Imperia has efficiently used its assets last year compared to the GB Banks industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if Banca Carige. - Cassa di Risparmio di Genova e Imperia improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess Banca Carige. - Cassa di Risparmio di Genova e Imperia's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Banca Carige. - Cassa di Risparmio di Genova e Imperia has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

0R7M Health

 How is Banca Carige. - Cassa di Risparmio di Genova e Imperia's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Banca Carige. - Cassa di Risparmio di Genova e Imperia's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Banca Carige. - Cassa di Risparmio di Genova e Imperia Company Filings, last reported 2 months ago.

LSE:0R7M Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 1,848.27 8,297.79 1,517.36
2018-09-30 1,848.27 8,297.79 1,517.36
2018-06-30 2,014.33 8,110.77 1,453.18
2018-03-31 2,040.05 7,676.89 712.38
2017-12-31 2,268.85 9,052.88 1,369.91
2017-09-30 1,933.80 8,721.89 442.35
2017-06-30 1,982.78 9,610.98 1,161.38
2017-03-31 2,088.87 10,589.52 1,874.94
2016-12-31 2,138.28 9,959.23 370.13
2016-09-30 2,248.92 10,585.90 535.45
2016-06-30 2,284.28 11,099.12 896.28
2016-03-31 2,454.01 10,677.51 1,101.03
2015-12-31 2,439.06 11,476.99 1,472.43
2015-09-30 2,617.78 11,302.39 1,886.21
2015-06-30 2,632.05 10,931.31 2,457.44
2015-03-31 1,779.97 12,238.50 2,610.53
2014-12-31 1,817.54 13,801.15 4,297.98
2014-09-30 2,068.76 13,034.02 2,769.78
2014-06-30 1,604.23 17,094.46 2,323.99
2014-03-31 1,679.99 19,198.84 3,051.92
2013-12-31 1,643.22 18,871.04 3,264.90
2013-09-30 2,025.84 19,635.20 2,839.33
2013-06-30 3,863.88 20,917.72 3,676.63
2013-03-31 3,748.83 23,407.95 5,266.69
2012-12-31 2,837.68 24,578.49 5,802.35
2012-09-30 3,667.90 16,637.91 3,206.22
2012-06-30 3,427.58 16,948.26 2,125.16
2012-03-31 3,775.07 17,408.92 3,208.21
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Banca Carige. - Cassa di Risparmio di Genova e Imperia has an acceptable proportion of non-loan assets held.
  • Banca Carige. - Cassa di Risparmio di Genova e Imperia's liabilities are made up of primarily low risk sources of funding.
  • Banca Carige. - Cassa di Risparmio di Genova e Imperia has advanced significantly more loans than the customer deposits it holds (i.e. bank has borrowed additional funds to lend).
  • Banca Carige. - Cassa di Risparmio di Genova e Imperia's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
  • Banca Carige. - Cassa di Risparmio di Genova e Imperia has a low allowance for bad loans.
  • Banca Carige. - Cassa di Risparmio di Genova e Imperia has a high level of bad loans (greater than 2%).
X
Financial health checks
We assess Banca Carige. - Cassa di Risparmio di Genova e Imperia's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Banca Carige. - Cassa di Risparmio di Genova e Imperia has a total score of 3/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

0R7M Dividends

 What is Banca Carige. - Cassa di Risparmio di Genova e Imperia's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Banca Carige. - Cassa di Risparmio di Genova e Imperia dividends. Estimated to be 0% next year.
If you bought €2,000 of Banca Carige. - Cassa di Risparmio di Genova e Imperia shares you are expected to receive €0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Banca Carige. - Cassa di Risparmio di Genova e Imperia's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Banca Carige. - Cassa di Risparmio di Genova e Imperia's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
LSE:0R7M Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Banks Industry Average Dividend Yield Market Cap Weighted Average of 14 Stocks 5.3%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 702 Stocks 4.3%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1.1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2.1%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.3%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

LSE:0R7M Future Dividends Estimate Data
Date (Data in €) Dividend per Share (annual) Avg. No. Analysts
2021-12-31
2020-12-31 0.00 1.00
2019-12-31 0.00 2.00
LSE:0R7M Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2013-11-13 0.000 0.000
2013-11-11 0.000 0.000
2013-08-19 0.000 0.000
2013-07-31 0.000 0.000
2013-05-16 0.000 0.000
2013-05-13 0.000 0.000
2013-04-05 0.000 0.000
2013-03-19 0.000 0.000
2012-07-30 7.000 9.866
2012-04-03 7.000 10.225
2012-03-20 7.000 6.890
2011-04-06 7.000 4.892
2011-03-23 7.000 4.066
2010-03-29 8.000 4.744
2009-03-31 8.000 3.932

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Banca Carige. - Cassa di Risparmio di Genova e Imperia has not reported any payouts.
  • Unable to verify if Banca Carige. - Cassa di Risparmio di Genova e Imperia's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Banca Carige. - Cassa di Risparmio di Genova e Imperia's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Banca Carige. - Cassa di Risparmio di Genova e Imperia has not reported any payouts.
Future Payout to shareholders
  • No need to calculate the sustainability of Banca Carige. - Cassa di Risparmio di Genova e Imperia's dividends in 3 years as they are not expected to pay a notable one for United Kingdom of Great Britain and Northern Ireland.
X
Income/ dividend checks
We assess Banca Carige. - Cassa di Risparmio di Genova e Imperia's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Banca Carige. - Cassa di Risparmio di Genova e Imperia afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Banca Carige. - Cassa di Risparmio di Genova e Imperia has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

0R7M Management

 What is the CEO of Banca Carige. - Cassa di Risparmio di Genova e Imperia's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Fabio Innocenzi
AGE 57
TENURE AS CEO 0.5 years
CEO Bio

Mr. Fabio Innocenzi has been Chief Executive Officer & Director at Banca Carige SpA - Cassa di Risparmio di Genova e Imperia since September 2018. Mr. Innocenzi served as Chief Executive Officer of Banco Popolare Societa Cooperativa SCRL (alternate name Banco Popolare di Verona e Novara) from April 26, 2005 to December 2008 and also served as its Managing Director until December 2008. Mr. Innocenzi served as Deputy Chairman of Management Board at Banco Popolare Societa Cooperativa SCRL until December 8, 2008 and served as its Member of Management Board from July 1, 2007 to December 8, 2008. Mr. Innocenzi served as Substitute Vice-Chairman of Credito Bergamasco SpA since April 12, 2003. He serves as Vice Chairman of Banca Aletti & C. and Banca per il Leasing Italease. Mr. Innocenzi served as Deputy Chairman of Banca Italease S.p.A. He serves as Member of the ABI (Associazione Bancaria Italiana). He served as a Director of FullSix SpA. from April 2009 to April 2010. Mr. Innocenzi serves as Director of Aletti Gestielle SGR S.p.A. and Aletti Merchant S.p.A. He served as an Independent Director of Dexia SA from May 2006 to January 2009. He served as an Executive Director of Credito Bergamasco SpA since January 1, 2003. He served as a Director of Banca Italease S.p.A. He also served as Member of the Supervisory Board at Banco Popolare Croatia dd from September 13, 2006 to October 31, 2006. He serves as Market Head of Italy & Iberia and Member of Executive Board at UBS Europe SE. Fabio Innocenzi has been Chief Executive Officer of Italian wealth management business at UBS Group AG since November 1, 2011. Fabio Innocenzi served with Italy's Intesa Sanpaolo SpA.

CEO Compensation
  • Insufficient data for Fabio to compare compensation growth.
  • Insufficient data for Fabio to establish whether their remuneration is reasonable compared to companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure

Average tenure of the Banca Carige. - Cassa di Risparmio di Genova e Imperia management team in years:

1.1
Average Tenure
  • The average tenure for the Banca Carige. - Cassa di Risparmio di Genova e Imperia management team is less than 2 years, this suggests a new team.
Management Team

Fabio Innocenzi

TITLE
CEO & Director
AGE
57
TENURE
0.5 yrs

Andrea Soro

TITLE
Chief Financial Officer
TENURE
1.7 yrs

Sofia Maranini

TITLE
Chief Operating Officer

Giorgio Seronello

TITLE
Head of Information-Communication Technology

Giacomo Ottonello

TITLE
Co-General Manager of Administration and Resources

Roberta Famà

TITLE
Head of Investor Relations & Research Department

Paola Di Leonardo

TITLE
General Counsel
TENURE
1.7 yrs

Patrizia Giuliani

TITLE
Head of Human Resources
TENURE
0.3 yrs

Emilio Molinari

TITLE
Head of Public Relations

Luigi Gardelli

TITLE
Head of Commercial Planning and Innovative Channel
Board of Directors Tenure

Average tenure and age of the Banca Carige. - Cassa di Risparmio di Genova e Imperia board of directors in years:

0.5
Average Tenure
57
Average Age
  • The average tenure for the Banca Carige. - Cassa di Risparmio di Genova e Imperia board of directors is less than 3 years, this suggests a new board.
Board of Directors

Pietro Modiano

TITLE
Chairman of the Board
TENURE
0.5 yrs

Fabio Innocenzi

TITLE
CEO & Director
AGE
57
TENURE
0.5 yrs

Giulio Gallazzi

TITLE
Director
AGE
54
TENURE
3 yrs

Stefano Lunardi

TITLE
Director
AGE
47

Giancarlo Strada

TITLE
Chairman of Board of Statutory Auditors
AGE
63
TENURE
1.2 yrs

Salvatore Bragantini

TITLE
Director
AGE
75
TENURE
0.5 yrs

Francesca Balzani

TITLE
Director
AGE
52
TENURE
1.5 yrs

Luisa Pasotti

TITLE
Director
AGE
57
TENURE
1.7 yrs

Lucia Calvosa

TITLE
Director
AGE
57
TENURE
0.5 yrs

Bruno Pavesi

TITLE
Director
AGE
77
TENURE
0.5 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
06. Sep 18 Buy Malacalza Investimenti srl Company 06. Aug 18 31. Aug 18 2,022,492,240 €0.01 €18,574,324
X
Management checks
We assess Banca Carige. - Cassa di Risparmio di Genova e Imperia's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Banca Carige. - Cassa di Risparmio di Genova e Imperia has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

0R7M News

Simply Wall St News

0R7M Company Info

Description

Banca Carige S.p.A. - Cassa di Risparmio di Genova e Imperia provides various consumer and corporate banking products and services in Italy. The company offers current accounts and demand deposits, and term deposits; and repurchase agreements, mortgage loans, personal loans and salary-backed loans, and other loans, as well as credit cards, and structured and other securities. It also provides leasing, factoring, financial instruments and currency trading, portfolio management, securities custody and administration, custodian, securities placement, receipt and transmission of order, investments and financial structure advisory, third-party distribution, collection and payment, securitization, tax collection, and multilateral trading management services, as well as various insurance products. As of December 31, 2017, the company operated 529 branches. Banca Carige S.p.A. - Cassa di Risparmio di Genova e Imperia was founded in 1991 and is headquartered in Genoa, Italy.

Details
Name: Banca Carige S.p.A. - Cassa di Risparmio di Genova e Imperia
0R7M
Exchange: LSE
Founded: 1991
€84,188,324
55,265,661,502
Website: http://www.gruppocarige.it
Address: Banca Carige S.p.A. - Cassa di Risparmio di Genova e Imperia
Via Cassa di Risparmio, 15,
Post Box No. 897,
Genoa,
Genoa, 16100,
Italy
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
BIT CRG Ordinary Shares Borsa Italiana IT EUR 17. Jan 1995
DB BJ51 Ordinary Shares Deutsche Boerse AG DE EUR 17. Jan 1995
BST BJ51 Ordinary Shares Boerse-Stuttgart DE EUR 17. Jan 1995
LSE 0R7M Ordinary Shares London Stock Exchange GB EUR 17. Jan 1995
BATS-CHIXE CRGM Ordinary Shares BATS 'Chi-X Europe' GB EUR 17. Jan 1995
BIT CRGR DI RISP NPV Borsa Italiana IT EUR 30. Mar 2019
BIT CRGR Savings Convertible Shares Borsa Italiana IT EUR 04. Dec 2002
LSE 0R7L DI RISP NPV London Stock Exchange GB EUR 30. Mar 2019
LSE 0R7L Savings Convertible Shares London Stock Exchange GB EUR 04. Dec 2002
Number of employees
Current staff
Staff numbers
4,293
Banca Carige. - Cassa di Risparmio di Genova e Imperia employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/03/30 21:16
End of day share price update: 2018/12/31 00:00
Last estimates confirmation: 2019/03/13
Last earnings filing: 2019/02/27
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.