Credito Emiliano S.p.A (EAO) - Net Assets
Based on the latest financial reports, Credito Emiliano S.p.A (EAO) has net assets worth €4.56 Billion EUR (≈ $5.33 Billion USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€66.42 Billion ≈ $77.65 Billion USD) and total liabilities (€61.86 Billion ≈ $72.33 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Read total liabilities of Credito Emiliano S.p.A for a breakdown of total debt and financial obligations.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €4.56 Billion |
| % of Total Assets | 6.86% |
| Annual Growth Rate | 7.13% |
| 5-Year Change | 36.96% |
| 10-Year Change | N/A |
| Growth Volatility | 8.76 |
Credito Emiliano S.p.A - Net Assets Trend (2017–2024)
This chart illustrates how Credito Emiliano S.p.A's net assets have evolved over time, based on quarterly financial data. Also explore Credito Emiliano S.p.A balance sheet assets for the complete picture of this company's asset base.
Annual Net Assets for Credito Emiliano S.p.A (2017–2024)
The table below shows the annual net assets of Credito Emiliano S.p.A from 2017 to 2024. For live valuation and market cap data, see EAO company net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | €4.29 Billion ≈ $5.02 Billion |
+10.90% |
| 2023-12-31 | €3.87 Billion ≈ $4.53 Billion |
+20.52% |
| 2022-12-31 | €3.21 Billion ≈ $3.75 Billion |
-7.18% |
| 2021-12-31 | €3.46 Billion ≈ $4.05 Billion |
+10.40% |
| 2020-12-31 | €3.13 Billion ≈ $3.66 Billion |
+8.68% |
| 2019-12-31 | €2.88 Billion ≈ $3.37 Billion |
+12.08% |
| 2018-12-31 | €2.57 Billion ≈ $3.01 Billion |
-2.95% |
| 2017-12-31 | €2.65 Billion ≈ $3.10 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to Credito Emiliano S.p.A's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 68.7% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €620.05 Million | 14.44% |
| Other Components | €3.67 Billion | 85.56% |
| Total Equity | €4.29 Billion | 100.00% |
Credito Emiliano S.p.A Competitors by Market Cap
The table below lists competitors of Credito Emiliano S.p.A ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Cencosud Shopping SA
SN:CENCOMALLS
|
$5.20 Billion |
|
Associated Banc-Corp
NYSE:ASB
|
$5.20 Billion |
|
Essent Group Ltd.
F:EG0
|
$5.21 Billion |
|
Hangcha Group Co Ltd
SHG:603298
|
$5.21 Billion |
|
Youngor Group Co Ltd
SHG:600177
|
$5.20 Billion |
|
Motilal Oswal Financial Services Limited
NSE:MOTILALOFS
|
$5.20 Billion |
|
RTL Group SA
F:RRTL
|
$5.20 Billion |
|
Apellis Pharmaceuticals Inc
NASDAQ:APLS
|
$5.20 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Credito Emiliano S.p.A's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 3,870,542,000 to 4,292,507,000, a change of 421,965,000 (10.9%).
- Net income of 620,052,000 contributed positively to equity growth.
- Dividend payments of 221,392,000 reduced retained earnings.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €620.05 Million | +14.44% |
| Dividends Paid | €221.39 Million | -5.16% |
| Other Changes | €23.30 Million | +0.54% |
| Total Change | €- | 10.90% |
Book Value vs Market Value Analysis
This analysis compares Credito Emiliano S.p.A's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.19x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 1.87x to 1.19x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | €8.01 | €14.99 | x |
| 2018-12-31 | €7.77 | €14.99 | x |
| 2019-12-31 | €8.73 | €14.99 | x |
| 2020-12-31 | €9.47 | €14.99 | x |
| 2021-12-31 | €10.16 | €14.99 | x |
| 2022-12-31 | €9.42 | €14.99 | x |
| 2023-12-31 | €11.38 | €14.99 | x |
| 2024-12-31 | €12.60 | €14.99 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Credito Emiliano S.p.A utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 14.44%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 28.20%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 15.83x
- Recent ROE (14.44%) is above the historical average (9.59%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2017 | 7.03% | 11.53% | 0.04x | 15.69x | €-78.62 Million |
| 2018 | 7.25% | 10.22% | 0.04x | 16.78x | €-70.63 Million |
| 2019 | 6.98% | 11.64% | 0.04x | 16.52x | €-87.07 Million |
| 2020 | 6.43% | 11.30% | 0.03x | 18.08x | €-111.76 Million |
| 2021 | 10.19% | 22.80% | 0.02x | 19.53x | €6.48 Million |
| 2022 | 9.87% | 19.87% | 0.02x | 20.25x | €-4.16 Million |
| 2023 | 14.52% | 27.23% | 0.03x | 17.57x | €175.06 Million |
| 2024 | 14.44% | 28.20% | 0.03x | 15.83x | €190.80 Million |
Industry Comparison
This section compares Credito Emiliano S.p.A's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $4,686,456,747,900
- Average return on equity (ROE) among peers: 9.51%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Credito Emiliano S.p.A (EAO) | €4.56 Billion | 7.03% | 13.57x | $5.20 Billion |
| Grupo Supervielle S.A (189A) | $53.42 Billion | -1.61% | 6.34x | $610.24 Million |
| Bank of Zhengzhou Co. Ltd (3BZ) | $39.89 Billion | 8.24% | 11.55x | $252.75 Million |
| Manx Financial Group PLC (3IM) | $37.31 Million | 21.71% | 12.34x | $31.55 Million |
| Postal Savings Bank of China Co Ltd (3YB) | $544.88 Billion | 11.18% | 17.75x | $12.54 Billion |
| PO.S.B.O. UNSP.ADRS/20YC1 (3YB0) | $1.03 Trillion | 8.38% | 15.56x | $13.93 Billion |
| TISCO Financial Group Public Company Limited (47TA) | $34.73 Billion | 17.53% | 7.74x | $2.49 Billion |
| Bank of Qingdao Co. Ltd (4BQ) | $26.12 Billion | 7.27% | 10.72x | $1.47 Billion |
| Harbin Bank Co. Ltd (5H6) | $42.41 Billion | 12.38% | 12.31x | $137.86 Million |
| JAPAN POST BK UNSP.ADR/1 (5JP0) | $9.65 Trillion | 3.37% | 22.79x | $53.42 Billion |
| Grupo Aval Acciones y Valores S.A (6GAA) | $35.44 Trillion | 6.63% | 8.11x | $1.61 Billion |
About Credito Emiliano S.p.A
Credito Emiliano S.p.A., together with its subsidiaries, engages in commercial banking and wealth management activities in Italy. The company is involved in commercial banking, private banking, parabanking, consumer credit, and other/technology. Its commercial banking activities relate to the distribution of financial products and services directed to its retail and corporate customers. The compa… Read more