Credito EmilianoCDEFF +1.20%60 Net Margin % is 25.98% as of Mar. 2026, which is 46% above its 10-year median of 17.78. GuruFocus rates CDEFF with a GF Score™ of 60/100 and a GF Value™ of $9.98. The stock has 7 warning signs investors should review. Among 1,527 Banks companies, Credito Emiliano ranks worse than 54.75% on this metric.
The historical rank and industry rank for Credito Emiliano's Net Margin % or its related term are showing as below:
CDEFF'
s Net Margin % Range Over the Past 10 Years
Min: 10.87 Med: 17.78 Max: 29.94
Current: 25.26
CDEFF's Net Margin % is ranked worse than 54.75% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs CDEFF: 25.26
Credito Emiliano (OTCPK:CDEFF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Credito Emiliano Net Margin % Related Terms
Credito Emiliano Net Margin % Historical Data
* Premium members only.
The historical data trend for Credito Emiliano's Net Margin % 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 Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Credito Emiliano's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Credito Emiliano's Net Margin % distribution charts can be found below:
* The bar in red indicates where Credito Emiliano's Net Margin % 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 (CDEFF) has a Net Margin % of 25.98% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Credito Emiliano and its competitors. This is 46% above median its historical median of 17.78. Over the past decade, Credito Emiliano's Net Margin % has ranged from 10.87 to 29.94. According to the industry distribution chart, Credito Emiliano ranks #836 out of 1527 companies in the Banks industry, placing it in the top 54.7%.
Is Credito Emiliano's Net Margin % too high?
Credito Emiliano's current Net Margin % of 25.98% is 46% above median its 10-year median of 17.78. Over the past 10 years, this metric has ranged from a low of 10.87 to a high of 29.94. The Banks industry median Net Margin % is 26.95. Credito Emiliano's value of 25.98% is 3.6% below this industry median. Based on the distribution chart, Credito Emiliano ranks #836 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Credito Emiliano has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does Credito Emiliano's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Credito Emiliano ranks #836 out of 1527 companies for Net Margin %. This places Credito Emiliano in the lower half of its industry. The industry median Net Margin % is 26.95. Credito Emiliano's value of 25.98% is 3.6% below this benchmark. Historically, Credito Emiliano's own Net Margin % has ranged from 10.87 to 29.94 over the past decade. While the company's 10-year median is 17.78 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credito Emiliano's current Net Margin % of 25.98% is 3.6% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Credito Emiliano and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credito Emiliano's current Net Margin % is 25.98%, which is 46% above median its own 10-year median of 17.78. 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?
Credito Emiliano (CDEFF) has a current Net Margin % of 25.98%. The stock's GF Value™ is $9.98, compared to a current price of $16.89 — trading 69.2% above its estimated fair value. The current Net Margin % is 25.98%, which is 46% above median its 10-year median of 17.78 and 3.6% below the Banks industry median of 26.95. Credito Emiliano's overall GF Score™ is 60/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Credito Emiliano (CDEFF), the current Net Margin % is 25.98% as of Mar. 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 (CDEFF) Overvalued in 2026?
Based on GuruFocus' analysis, Credito Emiliano stock appears to be overvalued.
The current stock price of $16.89 is trading 69.2% above its estimated GF Value™ of $9.98.
Key valuation signals for CDEFF:
Net Margin %: 25.98% (46% above median its 10-year median of 17.78)
GF Value™: $9.98 vs. price of $16.89 (69.2% above fair value)
Industry Position: 3.6% below the Banks median (#836 of 1527)
No single metric tells the full story. See the CDEFF 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.
60GF Score
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