Business Description
Credito Emiliano
ISIN : IT0003121677
Share Class Description:
MIL:CE: Ordinary SharesDescription
Credito Emiliano is a banking group that consists of several financial services companies. The group operates in multiple regions throughout Italy, particularly in the north and central portions of the country. Its activities principally include commercial banking, including retail services and small and medium enterprise banking, asset management, bancassurance as well as Trading services, and treasury. The group's distribution network targeting retail and corporate banking customers includes branches, business centers, and financial outlets. Its wealth management activities include mutual fund management, portfolio management, as well as private equity and hedge fund offerings. The bank's funding sources derive from direct bank deposits, insurance reserves, and assets under management.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 1.28 | |||||
| Equity-to-Asset | 0.06 | |||||
| Debt-to-Equity | 1.37 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 8/9 | |||||
| Beneish M-Score | -2.47 | |||||
| WACC vs ROIC | ||||||
Growth Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 15.2 | |||||
| 3-Year EPS without NRI Growth Rate | 37.8 | |||||
| 3-Year FCF Growth Rate | 1983.5 | |||||
| 3-Year Book Growth Rate | 6.4 | |||||
| Future 3-5Y EPS without NRI Growth Rate | -6.27 | |||||
| Future 3-5Y Total Revenue Growth Rate | 8.8 |
Momentum Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 75.16 | |||||
| 9-Day RSI | 66.25 | |||||
| 14-Day RSI | 63.02 | |||||
| 6-1 Month Momentum % | 23.61 | |||||
| 12-1 Month Momentum % | 28.73 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 3.44 | |||||
| Dividend Payout Ratio | 0.2 | |||||
| Forward Dividend Yield % | 4.69 | |||||
| 5-Year Yield-on-Cost % | 3.44 | |||||
| 3-Year Average Share Buyback Ratio | -0.8 | |||||
| Shareholder Yield % | -21.9 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 27.23 | |||||
| FCF Margin % | 148.97 | |||||
| ROE % | 15.68 | |||||
| ROA % | 0.85 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 5.72 | |||||
| PE Ratio without NRI | 5.72 | |||||
| Shiller PE Ratio | 11.43 | |||||
| Price-to-Owner-Earnings | 1.01 | |||||
| PEG Ratio | 0.82 | |||||
| PS Ratio | 1.56 | |||||
| PB Ratio | 0.83 | |||||
| Price-to-Tangible-Book | 0.96 | |||||
| Price-to-Free-Cash-Flow | 1.05 | |||||
| Price-to-Operating-Cash-Flow | 1.01 | |||||
| EV-to-Revenue | 0.86 | |||||
| EV-to-FCF | 0.56 | |||||
| Price-to-Projected-FCF | 0.24 | |||||
| Price-to-DCF (Earnings Based) | 0.29 | |||||
| Price-to-DCF (FCF Based) | 0.03 | |||||
| Price-to-Median-PS-Value | 1.07 | |||||
| Price-to-Peter-Lynch-Fair-Value | 0.94 | |||||
| Price-to-Graham-Number | 0.5 | |||||
| FCF Yield % | 94.86 | |||||
| Forward Rate of Return (Yacktman) % | 40.7 |
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