profit from every €100 of sales.
€0€100
Credito Emiliano
€20.60+0.29% today
+35.0% since Dec 21, 25
1-year low €14.081-year high €21.38
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay €11.27 for every €1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Credito Emiliano sold, what it kept, and what it did with the cash.
Sales went from €1.61 billion in 2022 to €2.08 billion in 2025, with €621 million of profit last year.
SalesProfit
Credito Emiliano vs. similar companies
Credito Emiliano grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from €100 of sales | Sales growth a year | Price per €1 of profit |
|---|---|---|---|
| Credito Emiliano | 11.3× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Credito Emiliano's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,611 | 2,065 | 2,199 | 2,077 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 326 | 562 | 620 | 621 | |
| 0.93 | 1.65 | 1.82 | 1.83 | |
| – | – | – | – | |
| – | – | – | – | |
| 20.2% | 27.2% | 28.2% | 29.9% |
Balance sheet
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 64,818 | 68,018 | 67,969 | 68,126 |
| Cash | 3,706 | 6,779 | 4,676 | 1,870 |
| Total debt | 4,208 | 5,304 | 5,134 | 5,187 |
| Total liabilities | 61,458 | 64,147 | 63,676 | 63,463 |
| 3,360 | 3,871 | 4,293 | 4,663 | |
| 340 | 340 | 341 | 340 | |
| – | – | – | – | |
| 9.7% | 14.5% | 14.4% | 13.3% |
Cash flow
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 3,336 | 3,188 | -1,823 | -2,526 | |
| 102 | 113 | 83 | 102 | |
| 3,233 | 3,075 | -1,906 | -2,628 | |
| Dividends paid | 102 | 112 | 221 | 256 |
| – | – | – | – | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 11.3×
- –
- 0.45
- 1.1×
- 3.4×
- 8.9%
- 3.7%
Profitability
- 29.9%
- –
- –
- –
- –
Growth
- +8.8%
- +25.3%
- –
- −0.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 35%of 880
Top 48%of 878
Bottom 2%of 932
3.7%of the share price, paid each year
On $1,000 invested$37a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
41.2% of its profit
Room to growStretchedMore than it earnsNews
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about Credito Emiliano
Is Credito Emiliano a good stock to buy?
A strong, very profitable business, and the price looks low. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Credito Emiliano AI analysis
What does Credito Emiliano do?
Credito Emiliano S.p.A., together with its subsidiaries, engages in commercial banking and wealth management activities in Italy. It is involved in commercial banking, private banking, parabanking, consumer credit, and other/technology. It is in Banks - Regional, based in Reggio Emilia, RE, Italy, with 6,800 employees.
Does Credito Emiliano pay a dividend?
Yes. At today's price the dividend is 3.7% a year, about 41% of its yearly profit. In 2025 it paid out €256 million in dividends.
Is Credito Emiliano stock halal?
No. Credito Emiliano does not pass our halal screen: its main business, banking, is not permitted. How we check
Who are Credito Emiliano's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Credito Emiliano's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.