Credito Emiliano (LTS:0K93) Cyclically Adjusted PS Ratio: (As of Sep. 21, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

LTS:0K93 Credito Emiliano LTS:0K93
55 GF Score
Price €21.04
GF Value €10.95
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Credito Emiliano Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Credito Emiliano  (LTS:0K93) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Credito Emiliano Cyclically Adjusted PS Ratio Related Terms


Credito Emiliano Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Credito Emiliano's Cyclically Adjusted PS Ratio 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.

Credito Emiliano Cyclically Adjusted PS Ratio Chart

Credito Emiliano Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.04 1.08 1.26 1.71 2.40

Credito Emiliano Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.83 1.98 2.23 2.08 2.38

Credito Emiliano Cyclically Adjusted PS Ratio Competitor Comparison

For the Banks - Regional subindustry, Credito Emiliano's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Credito Emiliano's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Credito Emiliano's Cyclically Adjusted PS Ratio falls into.


LTS:0K93
55GF Score
Credito Emiliano LTS:0K93
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Credito Emiliano Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Credito Emiliano's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Credito Emiliano's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=2.351/126.4000*126.4000
=2.351

Current CPI (Jun. 2026) = 126.4000.

Credito Emiliano Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 1.285 100.100 1.623
201612 1.538 100.300 1.938
201703 1.290 101.000 1.614
201706 1.370 101.100 1.713
201709 1.269 101.200 1.585
201712 1.524 101.200 1.903
201803 1.464 101.800 1.818
201806 1.413 102.400 1.744
201809 1.287 102.600 1.586
201812 1.344 102.300 1.661
201903 1.337 102.800 1.644
201906 1.296 103.100 1.589
201909 1.242 102.900 1.526
201912 1.442 102.800 1.773
202003 1.418 102.900 1.742
202006 1.553 102.900 1.908
202009 1.445 102.300 1.785
202012 1.124 102.600 1.385
202103 1.602 103.700 1.953
202106 1.510 104.200 1.832
202109 1.812 104.900 2.183
202112 1.285 106.600 1.524
202203 1.304 110.400 1.493
202206 1.714 112.500 1.926
202209 1.239 114.200 1.371
202212 1.503 119.000 1.596
202303 1.719 118.800 1.829
202306 1.738 119.700 1.835
202309 1.650 120.300 1.734
202312 1.882 119.700 1.987
202403 1.913 120.200 2.012
202406 1.827 120.700 1.913
202409 1.823 121.200 1.901
202412 1.814 121.200 1.892
202503 2.008 122.500 2.072
202506 1.794 122.700 1.848
202509 1.829 123.100 1.878
202512 1.748 122.600 1.802
202603 1.802 124.560 1.829
202606 2.351 126.400 2.351

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is Credito Emiliano (LTS:0K93) Overvalued in 2026?

Based on GuruFocus' analysis, Credito Emiliano stock appears to be overvalued. The current stock price of €21.04 is trading 92.1% above its estimated GF Value™ of €10.95. GuruFocus considers Credito Emiliano to be Significantly Overvalued.

Key valuation signals for LTS:0K93:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: €10.95 vs. price of €21.04 (92.1% above fair value)
  • GF Score™: 55/100 with 7 warning signs

No single metric tells the full story. See the LTS:0K93 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Credito Emiliano Business Description

Other Exchanges CE:ItalyEAO:Germany
Address Via Emilia San Pietro No. 4, Reggio Emilia, ITA, 42100
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.
55GF Score

Get the complete analysis for LTS:0K93

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€21.04
Price
€10.95
GF Value