Credito Emiliano S.p.A. chart

Last update: 2022-12-30
Key statistics and financials
Revenue per share 3.92
Dividend & YieldN/A£ (N/A)
Beta 1.09
Market capitalization N/A
Operating cash flow 242.98M
ESG Scores unknown

Company description

Credito Emiliano S.p.A., together with its subsidiaries, provides various banking services to retail and corporate customers primarily in Italy. It operates through Commercial Banking, Asset Management, Bancassurance, Trading, ALM Treasury, and Corporate Centre and Other segments. The company's deposit products include current and savings accounts, time deposits, certificates of deposit, bonds, and subordinated debts; and loan portfolio comprises mortgages, credit cards, personal loans, and salary-backed loans. It also offers wealth management services, including management of mutual investment funds, SICAV, portfolio management, and private equity and hedge funds; and asset management, bancassurance, fiduciary, remote banking, savings management, brokerage, financial leasing, factoring, insurance, and ALM treasury services. In addition, the company provides cheese warehousing, real estate management, and trading services, as well as develops software. As of December 31, 2021, it operated through 625 branches, business centers, and financial outlets in 20 regions. The company was founded in 1910 and is headquartered in Reggio Emilia, Italy. Credito Emiliano S.p.A. is a subsidiary of Credito Emiliano Holding S.p.A.

Sector: - Industry:

Financial data

Financial Statements

Cashflow Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Change To Liabilities
Total Cashflows From Investing Activities -58.3M -62.54M -69.53M -126.43M
Net Borrowings
Total Cash From Financing Activities -65.66M -70.8M 2.12M -15.18M
Change To Operating Activities -257.89M 417.13M -2.9B 3.07B
Issuance Of Stock 1.1M 2.12M 2.12M 51.11M
Net Income 186.66M 201.31M 201.59M 352.43M
Change In Cash 6.32M 1.2M 18.74M -5.8M
Effect Of Exchange Rate
Total Cash From Operating Activities 130.28M 134.54M 86.15M 135.81M
Depreciation 57.22M 85.68M 3.5M 53.9M
Change To Account Receivables
Other Cashflows From Financing Activities
Change To Netincome -159.53M -23.5M -84.37M -166.88M
Capital Expenditures -17.76M -23.71M -39.03M -77.8M

Income Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Research Development
Income Before Tax 270.41M 296.39M 252.53M 466.18M
Net Income 186.66M 201.31M 201.59M 352.43M
Selling General Administrative 775.21M 783.41M 777.48M 845.33M
Gross Profit 1.06B 1.11B 1.07B 1.29B
Ebit
Operating Income 309.95M 328.31M 299.43M 449.64M
Interest Expense
Income Tax Expense 83.75M 95.08M 50.8M 113.59M
Total Revenue 1.06B 1.11B 1.07B 1.29B
Cost Of Revenue
Total Other Income ExpenseNet -39.55M -31.92M -46.91M 16.54M
Net Income From Continuing Ops 186.66M 201.31M 201.73M 352.59M
Net Income Applicable To Common Shares 186.66M 201.23M 201.59M 352.43M

Balance Sheet Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Total Liabilities 40.6B 44.75B 53.52B 64.12B
Total Stockholder Equity 2.57B 2.88B 3.13B 3.46B
Other Current Liabilities 39.98M 80.89M 66.69M 78.68M
Total Assets 43.17B 47.63B 56.65B 67.58B
Common Stock 332.39M 332.39M 332.39M 341.32M
Other Current Assets 615.24M 1.7B 85.7M 7.77B
Retained Earnings 2.06B 2.2B 2.4B 2.73B
Treasury Stock -106.05M 67.44M 113.72M 68.98M
Cash 154.82M 156.02M 236.76M 230.95M
Total Current Liabilities 32.27B 36.19B 45.42B 55.07B
Other Stockholder Equity -100.95M 77.02M 121.18M 73M
Property, Plant, and Equipment 305.54M 452.04M 442.23M 454.61M
Total Current Assets 1.52B 2.79B 9.45B 8.9B
Net Tangible Assets 2.15B 2.45B 2.69B 2.99B
Net Receivables 369.89M 404.02M 8.68B 518.14M
Accounts Payable 26.57B 29.81B 34.56B 38.73B


Insider Transactions

Here are the insider transactions of stock shares related to Credito Emiliano S.p.A.:

Filer Name Transaction Text Ownership Date Filer Relation Shares
NO DATA

Insider transaction explanations

Insider buying is the legal purchase of shares by a senior executive or director of a company. "Filer Name" corresponds to the name of the stock buyer or seller. "Transaction Text" describes the transaction. "Ownership" gives information about the transaction type. "Date" is the reported transaction date. "Filer Relation" gives the role of the insider in the company. "Shares" is the value of the transaction. You will find the complete description of the General Transaction Codes on the SEC dedicated page


Investment strategy backtesting

These are the result of three automatic investment systems applied to Credito Emiliano S.p.A.. You will find the performance of an systematic investment system, a momentum strategy, and a buy the dip trading strategy.


Systematic investment results on Credito Emiliano S.p.A.

Here is the result of two systematic investment strategies applied to Credito Emiliano S.p.A.. The first strategy automatically buys the first day of the month, and the second strategy buys the fifteenth day of the month.

Systematic investment equity curve on Credito Emiliano S.p.A.

The following chart shows the equity curve of the two systematic investment strategies applied to Credito Emiliano S.p.A.:

Credito Emiliano S.p.A. automated entries

The systematic investment strategy that buys the first day of the month would give a performance of 0% on the backtest period.

Performance at glance

Performance

0 %

Latent gain

0.0 £

Invested capital

0.0 £

Annualized return

0.0 %
Build your Trading System
Automated Trading using Prorealtime ebook

Momentum strategy results on Credito Emiliano S.p.A.

This is the result of two momentum investment strategies applied to Credito Emiliano S.p.A.. The first strategy uses a momentum signal calculated on one quarter, and the second uses a momentum signal calculated on two quarters.

Momentum entry openings on Credito Emiliano S.p.A.

The following chart shows all the entries opened by the momentum investment system on Credito Emiliano S.p.A.:

Credito Emiliano S.p.A. momentum entries
  • The first momentum investment strategy would give 0.0% of return on Credito Emiliano S.p.A.. That represents 0.0£ of latent gain with 250.98£ of employed capital.
  • The second momentum investment strategy would give 0% of return on Credito Emiliano S.p.A.. That represents 0.0£ of latent gain with 0.0£ of employed capital.
Performance at glance (1Q Momentum)

Performance

0.0 %

Latent gain

0.0 £

Invested capital

250.98 £

Annualized return

-0.0 %
Performance at glance (2Q Momentum)

Performance

0 %

Latent gain

0.0 £

Invested capital

0.0 £

Annualized return

-0.0 %

Momentum equity curve on Credito Emiliano S.p.A.

The following chart shows the equity curve of the two momentum strategies applied to Credito Emiliano S.p.A.:

Credito Emiliano S.p.A. momentum equity

Note: the dividends potentially given by Credito Emiliano S.p.A. are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on Credito Emiliano S.p.A.

The following chart shows the employed capital evolution of the two momentum strategies on Credito Emiliano S.p.A. since the beginning:

Credito Emiliano S.p.A.

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250£, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000£.


Buy the dip strategy result on Credito Emiliano S.p.A.

Buy the dip entry openings on Credito Emiliano S.p.A.

Credito Emiliano S.p.A.

The performance achieved by the robo-advisor on Credito Emiliano S.p.A. is 0%. That represents 0.0$ of latent gain with 0.0£ of employed capital. The following chart shows Credito Emiliano S.p.A. stock price with all the entries opened by the automated investment system.

Note: The blue line represents the weekly stock price of Credito Emiliano S.p.A., and the green triangles represent the entry openings. The artificall robo-advisor needs at least 100 weeks of trading history to work.

Performance at glance

Performance

0 %

Latent gain

0.0 £

Invested capital

0.0 £

Annualized return

-0.0 %

Equity curve of the strategy applied to Credito Emiliano S.p.A.

The following chart shows the result of the investment strategy applied to Credito Emiliano S.p.A.:

Credito Emiliano S.p.A.

Note: the dividends potentially given by Credito Emiliano S.p.A. are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on Credito Emiliano S.p.A.

The following chart shows the employed capital evolution since the beginning of the investment strategy on Credito Emiliano S.p.A.:

Credito Emiliano S.p.A.

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Investment strategies comparison on Credito Emiliano S.p.A.

In this section, I will compare the three previous investment strategies applied to Credito Emiliano S.p.A..

Equity curve comparison on Credito Emiliano S.p.A.

The following chart shows the equity curve of the artificall advisor, the trend folowing and the automatic investment strategies:

Credito Emiliano S.p.A. investment strategy comparison

Employed capital comparison on Credito Emiliano S.p.A.

Credito Emiliano S.p.A. investment comparison

Performance comparison on Credito Emiliano S.p.A.

Strategy Latent Profit Growth Employed capital CAGR
Automatic investment 0% 0.0£ 0.0£ 0.0%
Momentum 1 quarter 0.0% 0.0£ 250.98£ 0.0%
Momentum 2 quarters 0% 0.0£ 0.0£ -0.0%
Non-directional 0% 0.0£ 0.0£ -0.0%
Annualized return comparison

Automatic investment

0.0 %

Momentum 1Q

-0.0 %

Momentum 2Q

-0.0 %

Non-directional

-0.0 %

Correlated stocks

Here are the most positively and negatively correlated stocks with Credito Emiliano S.p.A.:

Positive correlations

Most correlated stocks this year


Most correlated stocks last 3 months

Negative correlation

Most negatively correlated stocks this year


Most negatively correlated stocks last 3 months

Note: The algorithm computes the probability of correlation between Credito Emiliano S.p.A. and the other stocks. There may be false positives or some missing correlated stocks. If the price of Credito Emiliano S.p.A. does not vary for 36 weeks, the correlation calculation result will be wrong.


Company information

Company name Credito Emiliano S.p.A.
Country Italy
City Reggio Emilia
Address Via Emilia San Pietro No. 4
Phone 39 05 22 58 21
Website www.credem.it
FullTime employees 6656
Industry
Sector
Exchange XLON
Ticker 0K93.XLON
Market www.londonstockexchange.com

Credito Emiliano S.p.A. ESG Scores

Environment scores

Environment ESG Factors Scores
Environment Score 0
Peer Environment Performance unknown
Environment Percentile unknown
Palm Oil unknown
Nuclear unknown
Fur Leather unknown
GMO unknown
Coal unknown
Pesticides unknown
Animal Testing unknown

Social scores

Social ESG Factors Scores
Social Score 0
Peer Social Performance unknown
Social Percentile unknown
Highest Controversy unknown
Peer Highest Controversy Performance unknown
Adult unknown
Gambling unknown
Alcoholic unknown
Tobacco unknown
Catholic unknown
Controversial Weapons unknown
Small Arms unknown
Military Contract unknown
Peer Count unknown

Related Controversy:


Governance scores

Governance ESG Factors Scores
Governance Score 0
Peer Governance Performance unknown
Governance Percentile unknown

ESG at glance
Total ESG Scores: unknown
Environment Score: 0
Social Score: 0
Governance Score: 0

ESG Performance: unknown

Peer Group: unknown

Peer Esg Score Performance: unknown

Rating Year: unknown

Rating Month: unknown

Max Age: unknown

Percentile: unknown