CDEFF Stock Financial Analysis - Credito Emiliano S.p.A. (OTCPK) Stock

Overview

Credito Emiliano S.p.A., commonly known as Credem, is a prominent Italian banking group based primarily in Reggio Emilia, Italy. Operating in the financial services industry, the bank offers a comprehensive suite of services including retail banking, corporate banking, online banking, and asset management. Established in 1910, Credem has expanded significantly, focusing on domestic markets with a strategic emphasis on small and medium-sized enterprises (SMEs) and private banking services. The bank's recent initiatives include digital transformation projects aimed at enhancing customer experience and operational efficiency. These projects reflect its commitment to integrating innovative banking technologies to maintain competitive advantage and meet evolving client needs in a dynamic financial landscape.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Credito Emiliano S.p.A. as of June 30, 2025 is 1,850.79 MM.
The operating income for Credito Emiliano S.p.A. as of June 30, 2025 is 993.20 MM.
The net income for Credito Emiliano S.p.A. as of June 30, 2025 is 668.05 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	1,850.79	993.20	668.05
2025-03-31	1,880.19	1,014.03	645.00
2024-12-31	1,937.38	966.33	620.05
2024-09-30	1,906.72	950.37	608.97
2024-06-30	1,892.16	916.91	587.18
2024-03-31	1,872.72	932.10	588.24
2023-12-31	1,823.50	879.03	562.12
2023-09-30	1,759.95	849.98	539.09
2023-06-30	1,641.87	745.18	467.78
2023-03-31	1,491.00	606.85	381.14
2022-12-31	1,382.19	526.63	326.12
2022-09-30	1,357.21	401.34	302.63
2022-06-30	1,317.93	457.18	373.02
2022-03-31	1,318.51	444.43	370.19
2021-12-31	1,290.40	427.21	352.43
2021-09-30	1,200.73	456.95	338.23
2021-06-30	1,201.38	386.51	260.10
2021-03-31	1,124.14	295.08	222.88
2020-12-31	1,066.63	299.43	201.59
2020-09-30	1,065.96	271.01	182.78
2020-06-30
2020-03-31

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31
2024-12-31	1.82	1.82
2024-09-30
2024-06-30	1.72	1.72
2024-03-31
2023-12-31	1.65	1.65
2023-09-30
2023-06-30	1.38	1.35
2023-03-31
2022-12-31	0.96	0.93
2022-09-30
2022-06-30	1.10	1.10
2022-03-31
2021-12-31	1.05	1.05
2021-09-30
2021-06-30	0.78	0.78
2021-03-31	0.67	0.68
2020-12-31	0.61	0.61
2020-09-30
2020-06-30	0.54	0.54
2020-03-31	0.60	0.60

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Credito Emiliano S.p.A. as of June 30, 2025 is -1,956.18 MM.
The cash from investing activities for Credito Emiliano S.p.A. as of June 30, 2025 is -91.03 MM.
The cash from financing activities for Credito Emiliano S.p.A. as of June 30, 2025 is -326.19 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	-1,956.18	-91.03	-326.19
2025-03-31
2024-12-31	-1,793.27	-106.97	-218.56
2024-09-30
2024-06-30	-243.91	-120.10	-150.49
2024-03-31
2023-12-31	3,187.79	-110.05	-108.84
2023-09-30
2023-06-30	4,526.07	-106.24	-117.21
2023-03-31
2022-12-31	3,335.89	-100.79	-108.34
2022-09-30
2022-06-30	244.91	-146.12	-52.07
2022-03-31
2021-12-31	135.81	-126.43	-15.18
2021-09-30
2021-06-30	129.60	-55.30	-62.71
2021-03-31
2020-12-31	86.15	-69.53	2.12
2020-09-30
2020-06-30
2020-03-31

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30
2020-03-31

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30
2020-03-31

Management Effectiveness

The roa for Credito Emiliano S.p.A. as of June 30, 2025 is 0.01.
The roe for Credito Emiliano S.p.A. as of June 30, 2025 is 0.16.
The roic for Credito Emiliano S.p.A. as of June 30, 2025 is 0.04.
The croic for Credito Emiliano S.p.A. as of June 30, 2025 is -0.14.
The ocroic for Credito Emiliano S.p.A. as of June 30, 2025 is -0.12.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.01	0.16	0.04	-0.14	-0.12
2025-03-31	0.01	0.16	0.04	-0.14	-0.12
2024-12-31	0.01	0.16	0.04	-0.04	-0.02
2024-09-30	0.01	0.16	0.04	-0.03	-0.02
2024-06-30		0.17
2024-03-31		0.18
2023-12-31			0.14	1.11
2023-09-30			0.12	1.16
2023-06-30		0.15
2023-03-31		0.11
2022-12-31
2022-09-30		0.00
2022-06-30		0.00	0.00
2022-03-31		0.00
2021-12-31		0.11	16.40
2021-09-30	0.01	0.11
2021-06-30	0.00		0.01	-0.00	0.01
2021-03-31	0.00	0.08	0.01	0.00	0.01
2020-12-31	0.00	0.07	0.01	0.00	0.01
2020-09-30	0.00	0.06	0.01	0.00	0.01
2020-06-30	0.00	0.07	0.01	0.00	0.00
2020-03-31	0.00	0.08	0.02	0.00	0.01

Gross Margins

The gross margin for Credito Emiliano S.p.A. as of June 30, 2025 is 1.00.
The net margin for Credito Emiliano S.p.A. as of June 30, 2025 is 0.32.
The operating margin for Credito Emiliano S.p.A. as of June 30, 2025 is 0.50.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	1.00	0.32	0.50
2025-03-31	1.00	0.32	0.50
2024-12-31	1.00	0.32	0.51
2024-09-30	1.00	0.31	0.50
2024-06-30
2024-03-31
2023-12-31
2023-09-30		0.28	0.44
2023-06-30		0.28	0.44
2023-03-31		0.25	0.40
2022-12-31
2022-09-30		0.00	0.00
2022-06-30		0.00	0.00
2022-03-31
2021-12-31
2021-09-30
2021-06-30	1.00	0.22	0.34
2021-03-31	1.00	0.20	0.29
2020-12-31	1.00	0.19	0.27
2020-09-30	1.00	0.17	0.27
2020-06-30	1.00	0.17	0.28
2020-03-31	1.00	0.18	0.29

IT:CE	€13.14
GB:0K93	€13.14
GB:CEM
DE:EAO	€13.42