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Credito EmilianoMIL:CE +0.89%50 3-Year Book Growth Rate is 11.50% as of Jun. 2026, which is 98% above its 10-year median of 5.80. GuruFocus rates MIL:CE with a GF Score™ of 50/100 and a GF Value™ of €11.22 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,489 Banks companies, Credito Emiliano ranks better than 65.68% on this metric.
During the past 12 months, Credito Emiliano's average Book Value per Share Growth Rate was 6.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 11.50% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 7.80% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 6.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Credito Emiliano was 23.50% per year. The lowest was -13.40% per year. And the median was 5.80% per year.
Credito Emiliano (MIL:CE) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Credito Emiliano 3-Year Book Growth Rate Related Terms
Credito Emiliano 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Credito Emiliano's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Credito Emiliano 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Credito Emiliano's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Credito Emiliano's 3-Year Book Growth Rate falls into.
Credito Emiliano 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 11.50% mean?
Credito Emiliano (MIL:CE) has a 3-Year Book Growth Rate of 11.50% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Credito Emiliano and its competitors. This is 98% above median its historical median of 5.80. According to the industry distribution chart, Credito Emiliano ranks #511 out of 1489 companies in the Banks industry, placing it in the top 34.3%.
Is Credito Emiliano's 3-Year Book Growth Rate too high?
Credito Emiliano's current 3-Year Book Growth Rate of 11.50% is 98% above median its 10-year median of 5.80. The Banks industry median 3-Year Book Growth Rate is 8.70. Credito Emiliano's value of 11.50% is 32.2% above this industry median. Based on the distribution chart, Credito Emiliano ranks #511 out of 1489 companies in the Banks industry, which is above the industry midpoint. Overall, Credito Emiliano has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Credito Emiliano's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Credito Emiliano ranks #511 out of 1489 companies for 3-Year Book Growth Rate. This puts Credito Emiliano in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.70. Credito Emiliano's value of 11.50% is 32.2% above this benchmark. While the company's 10-year median is 5.80 vs. the industry median of 8.70, Credito Emiliano has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.70, based on 1,489 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credito Emiliano's current 3-Year Book Growth Rate of 11.50% is 32.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Credito Emiliano and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credito Emiliano's current 3-Year Book Growth Rate is 11.50%, which is 98% above median its own 10-year median of 5.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credito Emiliano stock overvalued right now?
Based on GuruFocus' analysis, Credito Emiliano (MIL:CE) is currently considered Significantly Overvalued. The stock's GF Value™ is €11.22, compared to a current price of €20.46 — trading 82.4% above its estimated fair value. The current 3-Year Book Growth Rate is 11.50%, which is 98% above median its 10-year median of 5.80 and 32.2% above the Banks industry median of 8.70. Credito Emiliano's overall GF Score™ is 50/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Credito Emiliano (MIL:CE), the current 3-Year Book Growth Rate is 11.50% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Credito Emiliano (MIL:CE) Overvalued in 2026?
Based on GuruFocus' analysis, Credito Emiliano stock appears to be overvalued.
The current stock price of €20.46 is trading 82.4% above its estimated GF Value™ of €11.22.
GuruFocus considers Credito Emiliano to be Significantly Overvalued.
Key valuation signals for MIL:CE:
3-Year Book Growth Rate: 11.50% (98% above median its 10-year median of 5.80)
GF Value™: €11.22 vs. price of €20.46 (82.4% above fair value)
Industry Position: 32.2% above the Banks median (#511 of 1489)
No single metric tells the full story. See the MIL:CE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credito Emiliano is a banking group that consists of several financial services companies. The group operates in multiple regions throughout Italy, particularly in the north and central portions of the country. Its activities principally include commercial banking, including retail services and small and medium enterprise banking, asset management, bancassurance as well as Trading services, and treasury. The group's distribution network targeting retail and corporate banking customers includes branches, business centers, and financial outlets. It has two operating segments, Banking and Wealth Management. Banking segment involves Commercial Banking, Private Banking, Non-banking, Consumer Credit and Other/Technology. Wealth Management segment involves Asset Management and Insurance.
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