Credito EmilianoCDEFF +1.20%51 Return-on-Tangible-Equity is 13.58% as of Mar. 2026, which is 37% above its 10-year median of 9.93. GuruFocus rates CDEFF with a GF Score™ of 51/100 and a GF Value™ of $9.57. The stock has 7 warning signs investors should review. Among 1,522 Banks companies, Credito Emiliano ranks better than 63.6% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Credito Emiliano's annualized net income for the quarter that ended in Mar. 2026 was $645 Mil. Credito Emiliano's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $4,750 Mil. Therefore, Credito Emiliano's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 13.58%.
The historical rank and industry rank for Credito Emiliano's Return-on-Tangible-Equity or its related term are showing as below:
CDEFF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.35 Med: 9.93 Max: 17.95
Current: 13.32
During the past 13 years, Credito Emiliano's highest Return-on-Tangible-Equity was 17.95%. The lowest was 6.35%. And the median was 9.93%.
CDEFF's Return-on-Tangible-Equity is ranked better than 63.6% of 1522
companies
in the Banks industry
Industry Median: 11.19
vs CDEFF: 13.32
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Credito Emiliano Return-on-Tangible-Equity Related Terms
Credito Emiliano Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Credito Emiliano's Return-on-Tangible-Equity 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.
For the Banks - Regional subindustry, Credito Emiliano's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Credito Emiliano's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Credito Emiliano's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 13.58% mean?
Credito Emiliano (CDEFF) has a Return-on-Tangible-Equity of 13.58% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Credito Emiliano and its competitors. This is 37% above median its historical median of 9.93. Over the past decade, Credito Emiliano's Return-on-Tangible-Equity has ranged from 6.35 to 17.95. According to the industry distribution chart, Credito Emiliano ranks #554 out of 1522 companies in the Banks industry, placing it in the top 36.4%.
Is Credito Emiliano's Return-on-Tangible-Equity too high?
Credito Emiliano's current Return-on-Tangible-Equity of 13.58% is 37% above median its 10-year median of 9.93. Over the past 10 years, this metric has ranged from a low of 6.35 to a high of 17.95. The Banks industry median Return-on-Tangible-Equity is 11.19. Credito Emiliano's value of 13.58% is 21.4% above this industry median. Based on the distribution chart, Credito Emiliano ranks #554 out of 1522 companies in the Banks industry, which is above the industry midpoint. Overall, Credito Emiliano has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does Credito Emiliano's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Credito Emiliano ranks #554 out of 1522 companies for Return-on-Tangible-Equity. This puts Credito Emiliano in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Credito Emiliano's value of 13.58% is 21.4% above this benchmark. Historically, Credito Emiliano's own Return-on-Tangible-Equity has ranged from 6.35 to 17.95 over the past decade. While the company's 10-year median is 9.93 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credito Emiliano's current Return-on-Tangible-Equity of 13.58% is 21.4% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Credito Emiliano and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credito Emiliano's current Return-on-Tangible-Equity is 13.58%, which is 37% above median its own 10-year median of 9.93. 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 Return-on-Tangible-Equity of 13.58%. The stock's GF Value™ is $9.57, compared to a current price of $16.89 — trading 76.5% above its estimated fair value. The current Return-on-Tangible-Equity is 13.58%, which is 37% above median its 10-year median of 9.93 and 21.4% above the Banks industry median of 11.19. Credito Emiliano's overall GF Score™ is 51/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Credito Emiliano (CDEFF), the current Return-on-Tangible-Equity is 13.58% 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 76.5% above its estimated GF Value™ of $9.57.
Key valuation signals for CDEFF:
Return-on-Tangible-Equity: 13.58% (37% above median its 10-year median of 9.93)
GF Value™: $9.57 vs. price of $16.89 (76.5% above fair value)
Industry Position: 21.4% above the Banks median (#554 of 1522)
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.
51GF Score
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