Credito Emiliano S.p.A.

BIT:CE Stock Report

Market Cap: €7.0b

Credito Emiliano Future Growth

Future criteria checks 0/6

Credito Emiliano is forecast to grow earnings and revenue by 2.8% and 4.1% per annum respectively. EPS is expected to grow by 2.7% per annum. Return on equity is forecast to be 11% in 3 years.

Key information

2.8%

Earnings growth rate

2.70%

EPS growth rate

Banks earnings growth8.2%
Revenue growth rate4.1%
Future return on equity11.00%
Analyst coverage

Good

Last updated03 Sep 2026

Recent future growth updates

Analysis Article • Aug 07

€19.19 - That's What Analysts Think Credito Emiliano S.p.A. (BIT:CE) Is Worth After These Results

Investors in Credito Emiliano S.p.A. ( BIT:CE ) had a good week, as its shares rose 9.9% to close at €20.68 following...
Analysis Article • Nov 09

Credito Emiliano S.p.A. (BIT:CE) Just Released Its Third-Quarter Results And Analysts Are Updating Their Estimates

As you might know, Credito Emiliano S.p.A. ( BIT:CE ) recently reported its third-quarter numbers. Results overall were...

Recent updates

Narrative Update • Aug 07

CE: Fair Outlook Will Reflect M&A Optionality And Recent Rating Downgrade

Analysts now estimate fair value for Credito Emiliano at about €19.19, up from roughly €16.27. The updated €18.80 price target and revised assumptions for discount rate, revenue growth, profit margin and future P/E contribute to this change.
Analysis Article • Aug 07

€19.19 - That's What Analysts Think Credito Emiliano S.p.A. (BIT:CE) Is Worth After These Results

Investors in Credito Emiliano S.p.A. ( BIT:CE ) had a good week, as its shares rose 9.9% to close at €20.68 following...
Narrative Update • Feb 13

CE: Updated Assumptions Will Support A Fair But Cautious Future Outlook

Analysts have lifted their price target on Credito Emiliano from about €14.30 to roughly €16.27, citing updated assumptions around revenue growth, profit margin and a slightly higher future P/E multiple, along with a revised discount rate. Valuation Changes Fair Value: updated from about €14.30 to roughly €16.27, representing a modest uplift in the central valuation estimate.
Narrative Update • Nov 20

CE: AI Integration And Share Buyback Are Expected To Support Steady Outlook

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.
Analysis Article • Nov 09

Credito Emiliano S.p.A. (BIT:CE) Just Released Its Third-Quarter Results And Analysts Are Updating Their Estimates

As you might know, Credito Emiliano S.p.A. ( BIT:CE ) recently reported its third-quarter numbers. Results overall were...
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New Narrative • Feb 09

Expected Interest Rate Cuts Will Pressure Bank Revenues In 2025

Anticipated interest rate cuts and increasing operating expenses press net margins, prompting a shift towards fee-based income to support growth.

Earnings and Revenue Growth Forecasts

BIT:CE - Analysts future estimates and past financials data (EUR Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/20282,172607N/AN/A5
12/31/20272,090573N/AN/A5
12/31/20262,031562N/AN/A5
6/30/20261,905563-664-568N/A
3/31/20261,830532N/AN/AN/A
12/31/20251,800621-2,628-2,526N/A
9/30/20251,834641N/AN/AN/A
6/30/20251,851668-2,048-1,986N/A
3/31/20251,879688N/AN/AN/A
12/31/20241,937620-1,906-1,823N/A
9/30/20241,907609N/AN/AN/A
6/30/20241,892587-366-244N/A
3/31/20241,873588N/AN/AN/A
12/31/20231,8235623,0753,188N/A
9/30/20231,760539N/AN/AN/A
6/30/20231,6424684,4104,526N/A
3/31/20231,491381N/AN/AN/A
12/31/20221,3823263,2333,336N/A
9/30/20221,357303N/AN/AN/A
6/30/20221,31837390245N/A
3/31/20221,319370N/AN/AN/A
12/31/20211,290352-5136N/A
9/30/20211,201338N/AN/AN/A
6/30/20211,20126053130N/A
3/31/20211,124223N/AN/AN/A
12/31/20201,067202086N/A
9/30/20201,066183N/AN/AN/A
6/30/20201,063178576N/A
3/31/20201,107197N/AN/AN/A
12/31/20191,114201N/A135N/A
9/30/20191,089193N/AN/AN/A
6/30/20191,066193N/A118N/A
3/31/20191,043177N/AN/AN/A
12/31/20181,061187N/A130N/A
9/30/20181,059191N/AN/AN/A
6/30/20181,039180N/A-1,909N/A
3/31/20181,053192N/AN/AN/A
12/31/20171,028186N/A-1,889N/A
9/30/20171,051175N/AN/AN/A
6/30/20171,041163N/A-709N/A
3/31/20171,009134N/AN/AN/A
12/31/20161,002132N/A-2,580N/A
9/30/2016963119N/AN/AN/A
6/30/2016947117N/A-2,879N/A
3/31/2016924129N/AN/AN/A
12/31/2015983166N/A-1,034N/A
9/30/2015969174N/AN/AN/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: CE's forecast earnings growth (2.8% per year) is below the savings rate (3.4%).

Earnings vs Market: CE's earnings (2.8% per year) are forecast to grow slower than the Italian market (10.1% per year).

High Growth Earnings: CE's earnings are forecast to grow, but not significantly.

Revenue vs Market: CE's revenue (4.1% per year) is forecast to grow slower than the Italian market (5.7% per year).

High Growth Revenue: CE's revenue (4.1% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: CE's Return on Equity is forecast to be low in 3 years time (11%).

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/15 18:01
End of Day Share Price 2026/09/15 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

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.

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 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 Github.

Analyst Sources

Credito Emiliano S.p.A. is covered by 15 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
Irene RossettoBanca Akros S.p.A. (ESN)
Paola SabbioneBarclays
Eoin MullanyBerenberg