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Credem increases H1-2026 net profit by 12.5% to €312.9m

Credem reports a net profit of €312.9m for the first half of 2026, up 12.5% year-on-year, driven by strong recurring revenues, fee growth and a net interest income of €501m. The bank recorded an NPL ratio of 1.5%, cost of risk of 9 basis points and a CET1 ratio of 16.22%, indicating high asset quality and solid capitalisation. Management expects net interest income to grow by at least 5% in 2026, double-digit growth in recurring fees and around 3% loan growth; M&A options are being considered. The stock was little changed to slightly down, trading near its 52-week high. » More on de.investing.com
Credito Emiliano shares rise despite profit decline after Q2 results

Credito Emiliano reported a 1.9% drop in revenue and a significant 24.2% decrease in net profit in the second quarter of 2025, but highlighted a strong net cash position and strategic initiatives in sustainability. Despite the mixed results, the stock rose by 4.74% following the release of the figures, indicating investor confidence in the company's future prospects. Management remains optimistic for the full year and expects a recovery in volumes in the second half. » More on de.investing.com

Historical dividends Dividends

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In 2026, CREDEM has already paid €0.75 in dividends. The last payout was in May.

Financials

In the last quarter, CREDEM had revenue of €936.47M and net profit of €173.38M

(EUR)	June 2026	YoY
Revenue	936.47M	41.49%
Gross profit	782.56M	48.66%
Net profit	173.38M	21.69%
EBITDA	302.13M	26.50%

Fundamentals

Metric	Value
Market capitalization	€6.74B
Number of shares	339.64M
52-week high/low	€21.74 - €13.34
Dividend yield	3.74%
Dividends TTM	€0.75
Beta	0.62
P/E ratio	11.95
PEG ratio	-0.78
P/B ratio	1.43
P/S ratio	2.33

Company profile

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.