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Credito EmilianoMIL:CE +1.95%55 3-Year EPS without NRI Growth Rate is 20.10% as of Jun. 2026, which is 72% above its 10-year median of 11.70. GuruFocus rates MIL:CE with a GF Score™ of 55/100 and a GF Value™ of €11.26 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,409 Banks companies, Credito Emiliano ranks better than 76.3% on this metric.
During the past 12 months, Credito Emiliano's average EPS without NRI Growth Rate was -5.70% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 20.10% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 23.50% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 15.40% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Credito Emiliano was 37.90% per year. The lowest was -32.10% per year. And the median was 11.70% per year.
Credito Emiliano (MIL:CE) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Credito Emiliano 3-Year EPS without NRI Growth Rate Related Terms
Credito Emiliano 3-Year EPS without NRI Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Credito Emiliano's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Credito Emiliano's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Credito Emiliano's 3-Year EPS without NRI Growth Rate falls into.
Credito Emiliano 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 20.10% mean?
Credito Emiliano (MIL:CE) has a 3-Year EPS without NRI Growth Rate of 20.10% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Credito Emiliano and its competitors. This is 72% above median its historical median of 11.70. According to the industry distribution chart, Credito Emiliano ranks #334 out of 1409 companies in the Banks industry, placing it in the top 23.7%.
Is Credito Emiliano's 3-Year EPS without NRI Growth Rate too high?
Credito Emiliano's current 3-Year EPS without NRI Growth Rate of 20.10% is 72% above median its 10-year median of 11.70. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. Credito Emiliano's value of 20.10% is 168% above this industry median. Based on the distribution chart, Credito Emiliano ranks #334 out of 1409 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Credito Emiliano has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Credito Emiliano's 3-Year EPS without NRI Growth Rate compare to competitors?
According to the Banks industry distribution chart, Credito Emiliano ranks #334 out of 1409 companies for 3-Year EPS without NRI Growth Rate. This places Credito Emiliano in the top 24% of its industry — outperforming the majority of peers. The industry median 3-Year EPS without NRI Growth Rate is 7.50. Credito Emiliano's value of 20.10% is 168% above this benchmark. While the company's 10-year median is 11.70 vs. the industry median of 7.50, 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 EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,409 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 20.10% is 168% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Credito Emiliano and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credito Emiliano's current 3-Year EPS without NRI Growth Rate is 20.10%, which is 72% above median its own 10-year median of 11.70. 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 €11.26, compared to a current price of €20.96 — trading 86.1% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 20.10%, which is 72% above median its 10-year median of 11.70 and 168% above the Banks industry median of 7.50. Credito Emiliano's overall GF Score™ is 55/100 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Credito Emiliano (MIL:CE), the current 3-Year EPS without NRI Growth Rate is 20.10% 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 €20.96 is trading 86.1% above its estimated GF Value™ of €11.26.
GuruFocus considers Credito Emiliano to be Significantly Overvalued.
Key valuation signals for MIL:CE:
3-Year EPS without NRI Growth Rate: 20.10% (72% above median its 10-year median of 11.70)
GF Value™: €11.26 vs. price of €20.96 (86.1% above fair value)
Industry Position: 168% above the Banks median (#334 of 1409)
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.
55GF Score
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