ScoreDashboard
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 14.62% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 14.62% signifying inadequate buffers against its risk based assets
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
3
The company has declared Positive results for the last 6 consecutive quarters
4
With ROA of 1.03%, it has a Attractive valuation with a 1.03 Price to Book Value
Total ReturnsTotal Returns (Price + Dividend) 
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
248.95%
0%
248.95%
6 Months
282.07%
0%
282.07%
1 Year
0%
0%
0.0%
2 Years
0%
0%
0.0%
3 Years
0%
0%
0.0%
4 Years
0%
0%
0.0%
5 Years
0%
0%
0.0%
Credito Emiliano SpA for the last several years.
Risk Adjusted Returns v/s
News & Corporate ActionsNews
No Recent News for the Company
Announcements
No announcement available
Corporate Actions
No corporate action available
Key FactorsQuality key factors
Factor
Value
Sales Growth (5y)
26.12%
EBIT Growth (5y)
5.66%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
41.19%
Pledged Shares
0
Institutional Holding
0.03%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
1.03
EV to EBIT
11.58
EV to EBITDA
10.23
EV to Capital Employed
1.02
EV to Sales
5.08
PEG Ratio
0.51
Dividend Yield
5.58%
ROCE (Latest)
8.77%
ROE (Latest)
15.07%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned ShareholdingShareholding Snapshot : Jun 2020
Shareholding Compare (%holding)
Majority shareholders
Foreign Institutions
Domestic Funds
Held in 0 Schemes (0%)
Foreign Institutions
Held by 1 Foreign Institutions (0.03%)
Strategic Entities with highest holding
Highest Public shareholder
Financial
Company CVAbout Credito Emiliano SpA
Credito Emiliano SpA
Major Banks
Credito Emiliano SpA (Credem) is an Italy-based holding company, engaged in the banking sector. It 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. It offers services such as leasing, personal loans, insurance, asset management and pension funds, among others.
Company Coordinates
Company Details
Via Emilia San Pietro 4 , REGGIO NELL'EMILIA None : 42121
Registrar Details
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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