ScoreWhy is Credito Emiliano SpA ?
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
- OPERATING CF(Y) Highest at EUR 1,206.81 MM
- INTEREST EARNED(Q) Highest at EUR 560 MM
4
With ROA of 1.03%, it has a Attractive valuation with a 1.03 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 38.98%, its profits have risen by 13.5% ; the PEG ratio of the company is 0.5
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Credito Emiliano SpA should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality 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
ValuationValuation 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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial TrendNot enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for Credito Emiliano SpA
Interest Earned - Quarterly
At EUR 560 MM has Grown at 41.29 %
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Interest Earned (EUR MM)
Interest Earned - Quarterly
Highest at EUR 560 MM and Grown
in each of the last 5 periodsMOJO Watch
Near term sales trend is very positive
Interest Earned (EUR MM)
Operating Cash Flow - Annually
Highest at EUR 1,206.81 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (EUR MM)
Here's what is not working for Credito Emiliano SpA
Gross NPA - Quarterly
Highest at 1.79 %
in the last five periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Gross NPA (%)
Non Operating Income - Quarterly
Highest at EUR 332 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income (EUR MM)
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