Credito Emiliano S.p.A.

BIT:CE Stock Report

Market Cap: €6.4b

Credito Emiliano Past Earnings Performance

Past criteria checks 2/6

Credito Emiliano has been growing earnings at an average annual rate of 18.1%, while the Banks industry saw earnings growing at 19.5% annually. Revenues have been growing at an average rate of 10.5% per year. Credito Emiliano's return on equity is 11.7%, and it has net margins of 29.1%.

Key information

18.05%

Earnings growth rate

20.20%

EPS growth rate

Banks Industry Growth21.39%
Revenue growth rate10.54%
Return on equity11.74%
Net Margin29.06%
Next Earnings Update04 Aug 2026

Recent past performance updates

Recent updates

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.

Revenue & Expenses Breakdown

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

Earnings and Revenue History

BIT:CE Revenue, expenses and earnings (EUR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 261,8305328440
31 Dec 251,8006218310
30 Sep 251,8346418560
30 Jun 251,8516688220
31 Mar 251,8796888210
31 Dec 241,9376208380
30 Sep 241,9076098320
30 Jun 241,8925878350
31 Mar 241,8735888170
31 Dec 231,8235627970
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

Quality Earnings: CE has high quality earnings.

Growing Profit Margin: CE's current net profit margins (29.1%) are lower than last year (36.6%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: CE's earnings have grown by 18.1% per year over the past 5 years.

Accelerating Growth: CE's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: CE had negative earnings growth (-22.8%) over the past year, making it difficult to compare to the Banks industry average (2.6%).

Return on Equity

High ROE: CE's Return on Equity (11.7%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/07/19 01:15
End of Day Share Price 2026/07/17 00:00
Earnings2026/03/31
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

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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 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