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Italy
In shortCredito Emiliano S.p.a. Abbreviabile IN Credembanca E IN Credem is profitable.
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | – | n/a |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | – | n/a |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | – | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | -4.06× | n/a |
| Years with positive free cash flow (last 5) | 3 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | – | n/a |
| Revenue growth volatility | – | n/a |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | – | n/a |
|---|---|---|
| EPS growth, 3-year average | 25.3% | 100/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
European data comes from annual reports in ESEF format (since 2020). Industry and ticker are not provided by this source.
Annual figures as reported. Hover a bar or point for the exact value.
No data reported.
The last 5 fiscal years from the company's annual reports.
EUR millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Pre-tax income | 466 | 475 | 825 | 911 | 869 |
| Income tax | 114 | 149 | 263 | 291 | 247 |
| Net income | 352 | 326 | 562 | 620 | 621 |
| Diluted EPS | €1.05 | €0.93 | €1.65 | – | €1.83 |
Not computed: the model does not apply to banks and insurers.
Not computed: it needs two consecutive complete years.
All figures: filings.xbrl.org (ESEF). Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Dec 31, 2025 · Data updated Apr 8, 2026