Credito Emiliano SpA provides banking and financial services. The company is headquartered in Reggio Nell'Emilia, Reggio Emilia. The company divides its activities in four segments: The Commercial Banking segment encompasses the corresponding segment of Credito Emiliano, as well as the financial statements of Credemleasing, Credemfactor, Banca Euromobiliare, Euromobiliare Asset Management SGR, Credem International Lux, Credem Private Equity SGR, Credemtel, Euromobiliare Fiduciaria and Creacasa; The Bancassurance segment is represented by Credemvita and Credemassicurazioni; The Finance segment is represented by Credito Emiliano, which includes the management of interest rate risk on the banking book, the investment portfolio and the trading portfolio and the Other division includes Magazzini Generali delle Tagliate, as well as all departments supporting the operations of Commercial Banking and Finance segments. The company offers services such as leasing, personal loans, insurance, asset management and pension funds, among others.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
Revenue
--
--
--
--
--
--
Revenue Growth (YoY)
--
--
--
--
--
--
Cost of Revenue
--
--
--
--
--
--
Gross Profit
--
--
--
--
--
--
Selling, General & Admin
--
--
--
--
--
--
Research & Development
--
--
--
--
--
--
Operating Expenses
--
--
--
--
--
--
Other Non Operating Income (Expenses)
--
--
--
--
--
--
Pretax Income
1,364
868
911
825
461
466
Income Tax Expense
378
247
291
263
144
113
Net Income
985
621
620
562
316
352
Net Income Growth
4%
0%
10%
78%
-10%
75%
Shares Outstanding (Diluted)
341.48
341.05
340.49
339.95
339.5
335.64
Shares Change (YoY)
0%
0%
0%
0%
1%
1%
EPS (Diluted)
2.88
1.82
1.82
1.65
0.93
1.05
EPS Growth
4%
0%
10%
77%
-11%
72%
Free Cash Flow
-2,627
-2,627
-1,906
3,074
3,233
-5
Free Cash Flow Per Share
--
--
--
--
--
--
Gross Margin
--
--
--
--
--
--
Operating Margin
--
--
--
--
--
--
Profit Margin
--
--
--
--
--
--
Free Cash Flow Margin
--
--
--
--
--
--
EBITDA
--
--
--
--
--
--
EBITDA Margin
--
--
--
--
--
--
D&A For EBITDA
111
111
107
104
97
93
EBIT
--
--
--
--
--
--
EBIT Margin
--
--
--
--
--
--
Effective Tax Rate
27.71%
28.45%
31.94%
31.87%
31.23%
24.24%
Follow-Up Questions
What are Credito Emiliano SpA's key financial statements?
According to the latest financial statement (Form-10K), Credito Emiliano SpA has a total asset of $68,125, Net profit of $621
What are the key financial ratios for CDEFF?
Credito Emiliano SpA's Current ratio is 1.07, has a Net margin is 0, sales per share of $0.
How is Credito Emiliano SpA's revenue broken down by segment or geography?
Credito Emiliano SpA largest revenue segment is Commercial Banking, at a revenue of 1,342,200,000 in the most earnings release.For geography, Italy is the primary market for Credito Emiliano SpA, at a revenue of 2,032,300,000.
Is Credito Emiliano SpA profitable?
yes, according to the latest financial statements, Credito Emiliano SpA has a net profit of $621
Does Credito Emiliano SpA have any liabilities?
yes, Credito Emiliano SpA has liability of 63,463
How many outstanding shares for Credito Emiliano SpA?
Credito Emiliano SpA has a total outstanding shares of 339.62