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Credito EmilianoMIL:CE +1.08%50 Cash-to-Debt is 0.24 as of Jun. 2026, which is 33% below its 10-year median of 0.36. 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 worse than 87.17% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Credito Emiliano's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.24.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Credito Emilianocouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Credito Emiliano's Cash-to-Debt or its related term are showing as below:
MIL:CE'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03 Med: 0.36 Max: 3.75
Current: 0.24
During the past 13 years, Credito Emiliano's highest Cash to Debt Ratio was 3.75. The lowest was 0.03. And the median was 0.36.
MIL:CE's Cash-to-Debt is ranked worse than 87.17% of 1489
companies
in the Banks industry
Industry Median: 1.38
vs MIL:CE: 0.24
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Credito Emiliano Cash-to-Debt Related Terms
Credito Emiliano Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Credito Emiliano's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Credito Emiliano's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Credito Emiliano's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Credito Emiliano's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Credito Emiliano (MIL:CE) has a Cash-to-Debt of 0.24 as of Jun. 2026. This is 33% below median its historical median of 0.36. Over the past decade, Credito Emiliano's Cash-to-Debt has ranged from 0.03 to 3.75. According to the industry distribution chart, Credito Emiliano ranks #1298 out of 1489 companies in the Banks industry, placing it in the top 87.2%.
Is Credito Emiliano's Cash-to-Debt too high?
Credito Emiliano's current Cash-to-Debt of 0.24 is 33% below median its 10-year median of 0.36. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 3.75. The Banks industry median Cash-to-Debt is 1.38. Credito Emiliano's value of 0.24 is 82.6% below this industry median. Based on the distribution chart, Credito Emiliano ranks #1298 out of 1489 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Credito Emiliano ranks #1298 out of 1489 companies for Cash-to-Debt. This places Credito Emiliano in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Credito Emiliano's value of 0.24 is 82.6% below this benchmark. Historically, Credito Emiliano's own Cash-to-Debt has ranged from 0.03 to 3.75 over the past decade. While the company's 10-year median is 0.36 vs. the industry median of 1.38, Credito Emiliano has consistently been below 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,489 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credito Emiliano's current Cash-to-Debt of 0.24 is 82.6% below 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credito Emiliano's current Cash-to-Debt is 0.24, which is 33% below median its own 10-year median of 0.36. 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 €20.68 — trading 84.3% above its estimated fair value. The current Cash-to-Debt is 0.24, which is 33% below median its 10-year median of 0.36 and 82.6% below the Banks industry median of 1.38. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Credito Emiliano (MIL:CE), the current Cash-to-Debt is 0.24 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 €20.68 is trading 84.3% above its estimated GF Value™ of €11.22.
GuruFocus considers Credito Emiliano to be Significantly Overvalued.
Key valuation signals for MIL:CE:
Cash-to-Debt: 0.24 (33% below median its 10-year median of 0.36)
GF Value™: €11.22 vs. price of €20.68 (84.3% above fair value)
Industry Position: 82.6% below the Banks median (#1298 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.
50GF Score
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