Credito Emiliano SpA
Credito Emiliano SpA is a regional bank operating in Italy, providing a range of banking and financial services to corporate and retail clients.
Business. Credito Emiliano SpA (EMBI.MI) is an Italian bank headquartered in Italy that operates within the Banking & Investment Services industry. The company generates revenue primarily through interest income, consistent with standard banking activities. It is listed on the Borsa Italiana under the ticker symbol EMBI.MI. Specific details regarding operating segments or geographic revenue breakdowns are not provided.
Analyst recommendations
6 analysts · consensus HoldAt a glance
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Upcoming catalysts
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- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Credito Emiliano SpA (EMBI.MI) is an Italian bank headquartered in Italy that operates within the Banking & Investment Services industry. The company generates revenue primarily through interest income, consistent with standard banking activities. It is listed on the Borsa Italiana under the ticker symbol EMBI.MI. Specific details regarding operating segments or geographic revenue breakdowns are not provided.
Credito Emiliano has a debt-to-equity ratio of 1.97, indicating a capital structure that is moderately leveraged. The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt. Free cash flow for the period was 379.44 million EUR, which is a positive sign for operational flexibility.
The company's profitability is reflected in a return on equity (ROE) of 13.33%, which is a strong return for a bank. However, the return on assets (ROA) of 0.91% is relatively low, suggesting that the company is not generating a high return on its asset base compared to industry peers.
Credito Emiliano's revenue is primarily concentrated in Italy, with no significant international operations disclosed. The company's business is not segmented by product or geographic region in the available data, making it difficult to assess the diversification of its revenue streams.
The company's growth trajectory is not clearly defined in the available data, as there are no specific revenue growth projections or historical growth rates provided. Analysts have assigned a mean price target of 15.83 EUR, with a median of 16.20 EUR, indicating a generally positive outlook.
The risk assessment for Credito Emiliano includes a medium liquidity risk and a low dilution risk. The company's capital structure and free cash flow position it to manage its obligations, but the negative net cash position after debt is a concern. No recent events or filings have been disclosed that would significantly impact the company's operations or financial position.
- Credito Emiliano has a strong return on equity but a low return on assets, indicating potential inefficiencies in asset utilization.
- The company's liquidity position is medium, with a negative net cash position after subtracting total debt.
- Analysts have a generally positive outlook on the company, with a mean price target of 15.83 EUR.
- The company's operations are primarily concentrated in Italy, with no significant international presence disclosed.
- The company's growth trajectory is not clearly defined, and there are no specific revenue growth projections provided.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 1,46 |
| Revenue | —no estimate | —no estimate | 1,9B EUR |
| Operating income | —no estimate | —no estimate | 841,8M EUR |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
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- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Credito Emiliano SpA Market data — financials · 2026-05-27
- Credito Emiliano SpA Market data — analyst estimates · 2026-05-27