See more : 8088 Investment Holdings Limited (8088.HK) Income Statement Analysis – Financial Results
Complete financial analysis of Credito Emiliano S.p.A. (CE.MI) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Credito Emiliano S.p.A., a leading company in the Banks – Regional industry within the Financial Services sector.
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Credito Emiliano S.p.A. (CE.MI)
About Credito Emiliano S.p.A.
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.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2.97B | 1.60B | 1.48B | 1.32B | 1.33B | 1.28B | 1.26B | 1.21B | 1.23B | 1.17B | 1.07B | 1.04B | 971.08M | 842.45M | 965.24M | 923.32M | 1.12B | 1.08B | 974.17M | 835.04M |
| Cost of Revenue | 1.65M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 2.97B | 1.60B | 1.48B | 1.32B | 1.33B | 1.28B | 1.26B | 1.21B | 1.23B | 1.17B | 1.07B | 1.04B | 971.08M | 842.45M | 965.24M | 923.32M | 1.12B | 1.08B | 974.17M | 835.04M |
| Gross Profit Ratio | 99.94% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 224.00M | 409.63M | 201.19M | 199.07M | 199.54M | 194.09M | 177.26M | 198.24M | 176.66M | 133.36M | 126.88M | 125.06M | 126.66M | 216.96M | 123.35M | 136.56M | 128.81M | 124.12M | 586.38M | 547.72M |
| Selling & Marketing | 21.35M | 15.04M | 10.30M | 8.49M | 14.31M | 13.78M | 10.95M | 14.24M | 14.01M | 11.89M | 10.46M | 8.45M | 7.73M | 0.00 | 5.59M | 9.47M | 12.24M | 12.93M | 0.00 | 0.00 |
| SG&A | 245.35M | 409.63M | 211.50M | 207.56M | 213.85M | 207.87M | 188.21M | 212.48M | 190.67M | 145.25M | 137.34M | 133.51M | 134.39M | 216.96M | 128.94M | 146.03M | 141.05M | 137.05M | 586.38M | 547.72M |
| Other Expenses | 1.82B | 672.98M | 839.66M | 744.88M | 736.01M | 719.80M | 700.31M | 712.01M | 679.25M | 645.35M | 575.32M | 607.40M | 542.35M | 459.57M | 540.86M | 528.48M | 620.20M | 505.33M | 0.00 | 870.87M |
| Operating Expenses | 2.06B | 1.08B | 1.05B | 952.44M | 949.86M | 927.67M | 888.52M | 924.49M | 869.93M | 790.60M | 712.65M | 740.90M | 676.74M | 676.52M | 669.80M | 674.51M | 761.24M | 642.38M | 586.38M | 1.42B |
| Cost & Expenses | 2.06B | 1.08B | 1.05B | 952.44M | 949.86M | 927.67M | 888.52M | 924.49M | 869.93M | 790.60M | 712.65M | 740.90M | 676.74M | 676.52M | 669.80M | 674.51M | 761.24M | 642.38M | 586.38M | 1.42B |
| Interest Income | 1.89B | 797.80M | 584.08M | 552.24M | 586.92M | 587.11M | 635.02M | 632.14M | 649.73M | 774.53M | 804.70M | 859.12M | 840.00M | 684.49M | 973.43M | 1.57B | 1.31B | 976.02M | 716.69M | 633.85M |
| Interest Expense | 723.20M | 143.81M | 94.45M | 66.20M | 106.75M | 99.70M | 96.54M | 129.60M | 163.32M | 217.65M | 278.70M | 325.16M | 321.39M | 181.17M | 343.45M | 853.73M | 814.58M | 555.92M | 350.53M | 318.47M |
| Depreciation & Amortization | 104.94M | 97.66M | 97.23M | 89.91M | 85.68M | 57.22M | 53.93M | 48.91M | 40.81M | 38.70M | 35.24M | 32.64M | 30.47M | 0.00 | 29.51M | 35.11M | 29.92M | 25.87M | 0.00 | 0.00 |
| EBITDA | -4.45M | 570.92M | 557.07M | 335.98M | 378.38M | 324.32M | 322.70M | 351.21M | 369.28M | 424.75M | 371.92M | 363.74M | 340.75M | 0.00 | 304.91M | 480.39M | 0.00 | 415.44M | 317.60M | 211.15M |
| EBITDA Ratio | -0.15% | 44.11% | 44.42% | 31.03% | 36.83% | 33.45% | 33.49% | 31.62% | 35.91% | 43.24% | 48.84% | 56.53% | 58.45% | 41.47% | 55.49% | 116.04% | 104.87% | 89.43% | 70.02% | 60.40% |
| Operating Income | 0.00 | 605.39M | 560.46M | 318.59M | 403.13M | 370.11M | 368.42M | 338.14M | 402.50M | 469.02M | 489.69M | 553.32M | 537.11M | 349.39M | 506.13M | 1.04B | 1.14B | 935.89M | 682.14M | 504.33M |
| Operating Income Ratio | 0.00% | 37.95% | 37.85% | 24.20% | 30.37% | 28.97% | 29.21% | 27.86% | 32.61% | 39.95% | 45.56% | 53.38% | 55.31% | 41.47% | 52.44% | 112.23% | 102.19% | 87.03% | 70.02% | 60.40% |
| Total Other Income/Expenses | 825.14M | -58.41M | 38.97M | -46.91M | -31.92M | 3.44M | -17.56M | -56.14M | -40.62M | -32.48M | -24.11M | -2.98M | -132.03M | -182.30M | -1.17M | -856.79M | 43.00K | 2.80M | 1.78M | 1.76M |
| Income Before Tax | 825.14M | 461.59M | 466.18M | 252.53M | 296.39M | 270.41M | 271.88M | 208.54M | 239.19M | 251.46M | 211.05M | 228.29M | 209.07M | 168.22M | 162.80M | 182.55M | 326.97M | 389.57M | 317.60M | 194.65M |
| Income Before Tax Ratio | 27.75% | 28.94% | 31.48% | 19.18% | 22.33% | 21.16% | 21.56% | 17.18% | 19.38% | 21.42% | 19.64% | 22.02% | 21.53% | 19.97% | 16.87% | 19.77% | 29.27% | 36.23% | 32.60% | 23.31% |
| Income Tax Expense | 263.02M | 144.61M | 113.59M | 50.80M | 95.08M | 83.75M | 85.38M | 76.59M | 73.02M | 99.60M | 95.13M | 106.92M | 119.09M | 90.20M | 73.86M | 25.53M | 77.58M | 147.91M | 62.76M | 55.67M |
| Net Income | 562.12M | 326.12M | 352.43M | 201.60M | 201.31M | 186.66M | 186.50M | 131.95M | 166.17M | 151.77M | 115.85M | 121.24M | 96.63M | 78.02M | 88.83M | 157.01M | 249.36M | 232.06M | 268.85M | 130.20M |
| Net Income Ratio | 18.90% | 20.45% | 23.80% | 15.31% | 15.17% | 14.61% | 14.79% | 10.87% | 13.46% | 12.93% | 10.78% | 11.70% | 9.95% | 9.26% | 9.20% | 17.00% | 22.32% | 21.58% | 27.60% | 15.59% |
| EPS | 1.65 | 0.93 | 1.05 | 0.61 | 0.61 | 0.56 | 0.56 | 0.40 | 0.50 | 0.46 | 0.35 | 0.37 | 0.29 | 0.23 | 0.27 | 0.54 | 0.88 | 0.83 | 0.90 | 0.52 |
| EPS Diluted | 1.65 | 0.93 | 1.05 | 0.61 | 0.61 | 0.56 | 0.56 | 0.40 | 0.50 | 0.46 | 0.35 | 0.37 | 0.29 | 0.23 | 0.27 | 0.54 | 0.88 | 0.82 | 0.90 | 0.52 |
| Weighted Avg Shares Out | 340.68M | 340.41M | 335.20M | 331.56M | 331.07M | 331.20M | 330.66M | 331.67M | 331.57M | 331.30M | 331.18M | 331.61M | 332.39M | 332.39M | 332.39M | 290.62M | 281.79M | 279.56M | 278.61M | 275.42M |
| Weighted Avg Shares Out (Dil) | 339.95M | 340.41M | 335.20M | 331.56M | 331.07M | 331.20M | 330.66M | 331.67M | 331.57M | 331.30M | 331.18M | 331.61M | 332.39M | 332.39M | 332.39M | 290.71M | 282.73M | 282.08M | 278.61M | 275.42M |
Source: https://incomestatements.info
Category: Stock Reports