Credito Emiliano S.p.A (CE) Fair Value & Analysis
Financial Services · IT · Market cap €5.6B
Fair value as of: Jun 26, 2026
From 15 valuation models · updated 3 days ago
Fair value updated Jun 26, 2026 — revised from €19.22 to €23.79 (+23.8%) since Jun 24, 2026. Share price +8.5% over the past month.
Price vs Fair Value (12 months)
12‑month range €11.88 – €17.28 · fair‑value band €17.84 – €29.73 · the €16.93 price screens below the €23.79 fair value. As of Jun 26, 2026.
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Credito Emiliano S.p.A (CE) currently trades at €16.93, while our model-based Fair Value estimate is €23.79 — implying the stock looks roughly 40.5% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, Credito Emiliano S.p.A generated revenue of €1.8B at a net margin of 29.1%. Revenue grew 6.5% year over year. It earns a return on equity of 12.1%. Net debt stands at €3.2B. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
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. 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 o…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.