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Credito Emiliano S.p.A (CE) fair value: what the stock is really worth

As of Nov 9, 2026: fair value (intrinsic value) of Credito Emiliano S.p.A stock €14.54, price €20.20, that is 28.0% below the price, quality 42 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

6 models, one by oneBear €12.55 to bull €18.98 Growth analysisrevenue history, year by year Quality 42/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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Financial Services IT · ISIN IT0003121677

Broad data Nov 8, 2026

Credito Emiliano S.p.A

CE · MI

Expensive, weak quality

Our calculation puts a fair price 28% below what the stock costs today.

Highly profitable · 29.9% net margin (TTM)

3.7% dividend yield · Low payout

Upbeat coverage

Broad data

Quality 42/100

Mixed Growth (revenue YoY −5.5 %/yr in EUR)

Moderate moat 63/100 · thin data

Fair value €14.54 · Overvalued

Trails peers (4/14)

⚠ Small free float

Risks from the AI analysis

🚩Fintech and larger banks erode deposits and SME lending🚩High Italian sovereign debt holdings create concentration risk

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range €3.97 – €21.38 · fair‑value band €12.55 – €18.98 · the €20.20 price screens above the €14.54 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

Credito Emiliano S.p.A., together with its subsidiaries, engages in commercial banking and wealth management activities in Italy. The company is involved in commercial banking, private banking, parabanking, consumer credit, and other/technology.

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Its commercial banking activities relate to the distribution of financial products and services directed to its retail and corporate customers.

The company's wealth management activities consist of the management of mutual funds, SICAVs, and asset management, as well as private equity funds and hedge funds. It also offers management of mutual funds, intermediation, leasing, factoring, and insurance services.

In addition, the company engages in the financial leasing activities, such as long renting instrumental, real estate, and naval; management of commercial credits, monitoring of risk, guarantee and advance of credit, and management of agreements with suppliers; mortgage intermediation, placement of salary-secured products, and provision of personal and targeted loans; seasoning and packaging operation; and provision of telematic services.

Further, it offers current accounts, cards and payments, collection services, investments, and other digital and online services. It serves retail services, wealth management, and small and medium-sized enterprises through a network of financial advisors.

The company was founded in 1910 and is headquartered in Reggio Emilia, Italy. Credito Emiliano S.p.A. operates as a subsidiary of Credito Emiliano Holding S.p.A.

Stock analysis

Credito Emiliano S.p.A (CE) currently trades at €20.20, while our model-based Fair Value estimate is €14.54, 28% below the price, so the stock looks overvalued today.

Valuation

Bull case: the Multiples group reads highest at a median of €16.74 per share, and 1 of the 6 models we run sit above the €20.20 price.

Bear case: the Asset-Based group reads lowest at €8.18, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: €12.55 (bear) to €18.98 (bull), the price of €20.20 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 42/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Spin-off in 2024: revenue and profit before it include the divested business. Growth is measured afresh from 2024.

Credito Emiliano S.p.A reported revenue of €2.1B in FY2025 versus €1.5B in FY2021, a compound +8.8%/yr. Reported net income was €621M in FY2025, compounding +15.2%/yr from FY2021.

Key figures

Market cap €6.9B Mid · P/E ratio 11.9 · P/S ratio 3.57 · EPS (TTM) €1.70 · Dividend yield 3.7% · Net margin 29.9% · Return on equity 12.2% · Return on assets (EBIT) 0.9% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (low confidence).

What moves the price

The share trades about 6% below its 52-week high and 51% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −28%, CE screens cheaper than that median.

Fair Value models

Bear €12.55 Fair Value €14.54 Bull €18.98

Price €20.20 · Downside -28.0%

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (€0.8147 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Best data coverage

Residual Income €12.58 €14.54 €18.98 76

Gordon GGM €6.01 €11.05 €15.48 67

DDM Multi-Stage €6.01 €9.01 €11.78 67

All 6 models by family

Dividend Discount

Gordon GGM €6.01 €11.05 €15.48 67

DDM Multi-Stage €6.01 €9.01 €11.78 67

Multiples

P/E Multiple €17.84 €23.79 €29.73 63

P/B Multiple €7.26 €9.68 €12.10 55

Asset-Based

NCAV (Graham) €6.11 €8.18 €12.21 54

Economic Profit

Residual Income €12.58 €14.54 €18.98 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 42/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 37

How much profit the company makes from its sales and capital

Quality Growth 44

Are margins and returns getting better?

Cashflow 0

Do the profits arrive as real cash?

Financial strength 9

Debt, balance sheet and risk of trouble

Investment 70

Does it invest with discipline instead of growing at any price?

Low Volatility 90

How calm the share price moves, does not count

Price momentum 72

Price momentum of the last 3 to 12 months, does not count

Near the 52-week high 86

Distance to the 52-week high, does not count

New shares 82

Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 55/100

Spin-off in 2024: revenue and profit before it include the divested business. Growth is measured afresh from 2024.

What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.

+28.3%

Earnings growth per share plus dividend.

Earnings per share, growth per year+24.6%

Dividend (yield on the price)3.7%

Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.24.6% vs 14.9%, picking up

Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.24% → 42%

Pace: the 5-year rate starts in 2020 (pandemic)

CE screens overvalued: fair value 28% below the price. Compare with China Merchants Bank Co →

Earlier news

News mood ⓘNews mood, the average tone of recent news (79 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype

Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

Credito Emiliano (BIT:CE) Stock May Be Fully Priced On Modest Excess Returns Yahoo Finance · Oct 28, 2026
Credito Emiliano (STU:EAO) (H1 2026) Earnings Call Highlights: Net Profit Surges 12. ... Yahoo Finance · Aug 5, 2026

Note from the team Oct 11, 2026

AI conclusion: The regional bank shows solid reported margins alongside efforts toward steady loan growth and recurring revenues from asset management, yet negative operating cash flow and high leverage limit signs of a durable moat.

Main risk: Rivals such as Revolut, illimity Bank, Intesa Sanpaolo, UniCredit, Banco BPM and BPER Banca could capture retail deposits, SME lending and affluent clients with digital platforms and scale, squeezing Credito Emiliano's margins and customer base.

Bull case: Credito Emiliano could deepen its digital channels and AI-driven services to retain customers and expand recurring revenues from asset management and insurance, offsetting competitive pressure.

Bear case: If fintech and larger banks capture significant market share in deposits and lending while sovereign debt volatility rises, Credito Emiliano could face sustained margin compression and slower organic growth.

Credito Emiliano recently renewed its one-billion-euro commercial paper program with expanded dealer access and listing on Euronext Access Milan to broaden short-term funding options. This aligns with its push for steady loan growth and rising recurring revenues from asset management and insurance. Does this funding flexibility give the bank more room to pursue organic expansion than it risks exposing it to tighter money-market conditions?

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 4/14 measures

Overall it trails its industry peers.

Valuation

Quality Score 42 · Bottom 25%

Fair Value upside −28.0% · Below median

Profitability

Return on equity (12 months) 12.2% · Above median

Return on assets 0.9% · Below median

Net margin (12 months) 29.9% · Below median

Operating margin (12 months) 47.0% · Above median

Growth and dividend

Revenue growth (quarter YoY) 6.6% · Below median

Dividend yield (12 months) 3.7% · Above median

Balance sheet

Debt / equity 1.81× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 11.9× · Pricier than median

P/B 1.47× · Pricier than median

P/S (12 months) 3.57× · Pricier than median

EV/EBITDA 14.8× · Priciest 25%

PEG 1.11× · Cheaper than median

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)0 · sector 8

FUTURE (revenue growth)33 · sector 47

PAST (return on equity)49 · sector 43

HEALTH (low debt)–

DIVIDEND (yield)74 · sector 52

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value	Compare
Postal Savings Bank of China Co 601658	¥5.62	¥7.59	+35%	vs CE
China Merchants Bank Co 600036	¥43.01	¥52.73	+23%	vs CE
BNP Paribas SA BNP	€93.98	€106.01	+13%	vs CE
State Bank of India SBIN	₹1,042	₹736.65	−29%	vs CE
Intesa Sanpaolo S.p.A ISP	€6.35	€4.49	−29%	vs CE
Mizuho Financial Group MFG	$9.40	$5.89	−37%	vs CE
UniCredit S.p.A UCG	€81.62	€50.44	−38%	vs CE
DBS Group D05	69.72 SGD	40.39 SGD	−42%	vs CE
HDFC Bank Limited HDFCBANK	₹798.15	₹406.39	−49%	vs CE
ICICI Bank Limited ICICIBANK	₹1,589	₹615.63	−61%	vs CE

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Credito Emiliano S.p.A: fair value per Fair Value Calculator

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Frequently asked questions

Is Credito Emiliano S.p.A (CE) overvalued or undervalued?

As of Nov 8, 2026, our model estimates a fair value of €14.54 versus a price of €20.20, about 28% lower (overvalued).

What is the fair value of CE?

Our model-based fair value for Credito Emiliano S.p.A is €14.54 (as of Nov 8, 2026), built from audited fundamentals. The current price: €20.20.

What is the quality score of CE?

Credito Emiliano S.p.A has a Quality Score of 42/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for Credito Emiliano S.p.A (CE)?

Our model-based price target is the fair value of €14.54 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario €12.55, optimistic scenario €18.98. It is a calculation from audited fundamentals, not an analyst target.

What is the Credito Emiliano S.p.A stock forecast for 2026?

Our models put fair value at €14.54, about 28% lower versus a price of €20.20 (overvalued). Cautious scenario €12.55, optimistic scenario €18.98. The calculation is refreshed regularly with new filings.

What is the revenue of Credito Emiliano S.p.A (CE)?

Credito Emiliano S.p.A reported trailing-twelve-month revenue of about €1.9B (latest available figure, as of Nov 8, 2026).

Does Credito Emiliano S.p.A pay a dividend?

Credito Emiliano S.p.A currently shows a dividend yield of 3.71% relative to its recent price (as of Nov 8, 2026).

How much is the dividend of Credito Emiliano S.p.A (CE) and when is the ex-dividend date?

Credito Emiliano S.p.A pays a dividend of €0.75 per share a year, a dividend yield of 3.7%. The last ex-dividend date was May 18, 2026. A dividend has been paid every year since 2021. The payout ratio is 44.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.

What is the intrinsic value of Credito Emiliano S.p.A (CE)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Credito Emiliano S.p.A it is €14.54 per share (as of Nov 8, 2026), against a price of €20.20. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).

Is Credito Emiliano S.p.A stock overvalued or undervalued in 2026?

As of Nov 8, 2026, CE trades above its calculated fair value: price €20.20, fair value €14.54, a gap of about −28% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of CE?

No. The price is what the market pays today (€20.20); the fair value is what the company's own numbers justify (€14.54). For Credito Emiliano S.p.A the two are €5.66 per share apart. That gap is exactly why we show both numbers side by side.

How much is Credito Emiliano S.p.A worth?

The market values Credito Emiliano S.p.A at about €6.9B (market capitalisation, as of Nov 8, 2026). Per share that is €20.20; our models calculate a fair value of €14.54 per share.

What do the bullish and bearish scenarios say about CE?

Our models span a range for Credito Emiliano S.p.A: cautious scenario €12.55, base €14.54, optimistic €18.98 per share (as of Nov 8, 2026, price €20.20). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of CE?

Credito Emiliano S.p.A trades at a price-to-earnings ratio of 11.9 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €14.54 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 7.8. Other multiples: PEG 1.1, P/B 1.5, P/S 3.6, EV/EBITDA 14.8.

What is the PEG ratio of CE?

The PEG ratio of Credito Emiliano S.p.A is 1.11 (P/E divided by earnings growth, as of Nov 8, 2026). That is above 1, so the growth is already paid for in the price.

How solid is the balance sheet of Credito Emiliano S.p.A (CE)?

Balance-sheet figures for Credito Emiliano S.p.A (as of Nov 8, 2026): return on equity 12.2%, debt of 1.81 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.

How far is CE from its 52-week high?

Credito Emiliano S.p.A trades at €20.20, about 6% below its 52-week high of €21.38 and 51% above the low of €13.40 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of €14.54 is for.

Which stocks are comparable to Credito Emiliano S.p.A?

From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is Credito Emiliano S.p.A stock attractive at the current price?

The data as of Nov 8, 2026: price €20.20, calculated fair value €14.54 (−28%), Quality Score 42/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of CE calculated?

We run Credito Emiliano S.p.A through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of €14.54 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 13.3% above its aggregate fair value. Credito Emiliano S.p.A itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of Credito Emiliano S.p.A (CE)?

The closing price on Nov 9, 2026 was €20.20. Our model-based fair value is €14.54, about 28% lower (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with Credito Emiliano S.p.A right now?

The price sits above even our optimistic bull case (€18.98). The favourable scenario is already priced in. Weak quality (42/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Where does the earnings growth of Credito Emiliano S.p.A (CE) come from?

Earnings per share at Credito Emiliano S.p.A grew +16.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.7 %, EBIT margin −3.3 %, tax rate +0.8 %, residual (interest, one-offs) +10.8 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Credito Emiliano S.p.A

How large is the market capitalisation of Credito Emiliano S.p.A (CE)?

The market capitalisation of Credito Emiliano S.p.A is €6.9B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of Credito Emiliano S.p.A (CE)?

The price-to-sales ratio of Credito Emiliano S.p.A is 3.57 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of Credito Emiliano S.p.A (CE)?

Earnings per share at Credito Emiliano S.p.A are €1.70 (price ÷ EPS = P/E 11.9). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of Credito Emiliano S.p.A (CE)?

The dividend yield of Credito Emiliano S.p.A is 3.7% (payout 44.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of Credito Emiliano S.p.A (CE)?

The net margin of Credito Emiliano S.p.A is 29.9% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of Credito Emiliano S.p.A (CE)?

The return on equity (ROE) of Credito Emiliano S.p.A is 12.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of Credito Emiliano S.p.A (CE)?

On an EBIT basis the return on assets of Credito Emiliano S.p.A is 0.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of Credito Emiliano S.p.A (CE)?

The operating margin of Credito Emiliano S.p.A is 47.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at Credito Emiliano S.p.A (CE)?

Revenue at Credito Emiliano S.p.A is growing +6.6% versus a year earlier (3y avg +9.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at Credito Emiliano S.p.A (CE)?

Earnings per share at Credito Emiliano S.p.A are growing +21.9% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does Credito Emiliano S.p.A (CE) generate?

The free cash flow of Credito Emiliano S.p.A is −€2.6B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

How much net debt does Credito Emiliano S.p.A (CE) carry?

The net debt of Credito Emiliano S.p.A is €3.2B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.

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