CE.MI
CE.MI
IT0003121677
CREDEM
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Company Profile

Credito Emiliano S.p.A., together with its subsidiaries, engages in commercial banking and wealth management activities in Italy. It is involved in commercial banking, private banking, parabanking, consumer credit, and other/technology. The company's commercial banking activities relate to the distribution of financial products and services directed to its private customers. Its wealth management activities consist of the management of mutual funds, SICAVs, and asset management, as well as private equity funds and hedge funds. The company also offers management of mutual funds, intermediation, leasing, factoring, and insurance services. In addition, it engages in the financial leasing activities, such as long renting instrumental, real estate, and naval; management of trade credits, monitoring of risk, guarantee and advance payment of credit, and management of agreements with suppliers; mortgage brokerage, placement of salary-secured loans, and provision of personal and targeted loans; maturing and storage activities; and provision of telematic services. Further, the company offers current accounts, cards and payments, collection services, investments, and other digital services. It serves retail services, wealth management, and small and medium-sized enterprises through a network of financial advisors. The company was founded in 1910 and is headquartered in Reggio Emilia, Italy. Credito Emiliano S.p.A. operates as a subsidiary of Credito Emiliano Holding S.p.A.

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Key Metrics & Overview

Detailed metrics & financial data of the company

Company Profile
5 Metrics

🛡️ Risk & Structural Analysis

Multi-Factor Risk Model & Market Data

7/7 Very High
5Y Volatility
25.4% p.a.
Max Drawdown (5Y)
-32.9%
Sharpe Ratio (5Y)
0.91
Beta Factor
0.62
Size Class
Mid Cap
Notes & Warnings
Single Stock Risk: Investing in an individual stock carries full company and insolvency risk (no fund diversification).
Exemplary balance sheet strength: Very solid ratio of equity to debt.
Strong cyclicality: The business model is sensitive to economic downturns.
🔴 Low analyst coverage – higher uncertainty in growth estimates & projections
Historical Stress Test: Maximum peak-to-trough drawdown of -58.7% in the extended horizon.
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