Sector pending / Commercial BanksUpdated 2026-05-10 22:07 UTC

FRA/EAO stock hub

FRA/EAO has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

5.3B

Frankfurt Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

FRA/EAO

In the news

Latest news · FRA/EAO

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E10.6

P25 n/aP50 n/aP75 n/a

Trailing P/E8.6

P25 n/aP50 n/aP75 n/a

ROE13.9

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/EAO market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

162

Groups with data

Currency

EUR

Showing 162 of 162 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Italy
Country code	DE
Employees	6,278
Employees Change	-11%
Employees Change Percent	-0.17
Exchange	Frankfurt Stock Exchange
Financial currency	EUR
First seen	2026-05-10
Industry	Commercial Banks
Last refreshed	2026-05-10
Market cap	EUR 5.3B
Price	EUR 15.68
Price currency	EUR
Rev Per Employee	286,769.03x
Sic	6020
Symbol	fra/EAO
Website	https://www.credem.it

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	11.66%
FCF yield	-47.97%
Forward P/E	10.56x
P/B ratio	1.14x
P/E ratio	8.57x
P/S ratio	2.96x
PE Ratio10 Y	8.54x
PE Ratio3 Y	5.92x
PE Ratio5 Y	6.02x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	EUR 1.8B
Net Income	EUR 621.5M
Net Income Growth	0.23%
Net Income Growth Q	-14.22%
Net Income Growth3 Y	23.98%
Net Income Growth5 Y	25.25%
Pretax Margin	48.25%
Profit Margin	34.52%
Profit Per Employee	EUR 98,991
ROA	0.91
Roa5y	0.75
ROE	13.88
Roe5y	12.98

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr1y	36.7%
Cagr3y	37.92%
Cagr5y	31.5%
Div CAGR10	17.46%
Div CAGR3	31.48%
Div CAGR5	30.26%
EPS Growth	0.33
EPS Growth Q	-13.74
EPS Growth3 Y	25.22
EPS Growth5 Y	24.6
Revenue Growth	-7.07x
Revenue Growth Q	-6.94x
Revenue Growth3 Y	9.21x
Revenue Growth5 Y	11.04x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	EUR 68.1B
Cash	EUR 3B
Debt	EUR 10B
Debt FCF	EUR -3.92
Equity	EUR 4.7B
Liabilities	EUR 63.5B
Net Cash	EUR -7B
Net Cash By Market Cap	EUR -131
Net Debt Equity	EUR 1.5
Tangible Book Value	EUR 4.1B
Tangible Book Value Per Share	EUR 12.21

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	EUR -46.6B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	0.05%
Dividend Growth	-21.05%
Dividend Growth Years	2%
Dividend per share	EUR 0.75
Dividend Years	6
Dividend Yield	5%
Ex Div Date	2026-05-18
Last Dividend	EUR 0.75
Payout Frequency	Annual
Payout Ratio	41.17%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1Y total return	36.67%
200-day SMA	14.32
3Y total return	162.4%
50-day SMA	14.89
50-day SMA vs 200-day SMA	50over200
5Y total return	293.17%
All Time High	16.2
All Time High Change	-3.21%
All Time High Date	2026-04-20
All Time Low	3.19
All Time Low Change	391.54%
All Time Low Date	2020-10-30
ATR	0.23
Ch YTD	1.42
High	15.68
High52	16.2
High52 Date	2026-04-20
High52ch	-3.21%
Low	15.68
Low52	11.84
Low52 Date	2025-06-20
Low52ch	32.43%
Ma50ch	5.33%
Price vs 200-day SMA	9.47%
RSI	61.38
RSI Monthly	71.82
RSI Weekly	59.74
Sharpe ratio	1.29x
Sortino ratio	2.36
Total Return	5.05%
Tr YTD	1.42
Tr1m	8.36%
Tr1w	4.12%
Tr3m	-0.13%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 930.6M
Operating margin	51.69

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	67,200,927%
Shares Institutions	4.54%
Shares Yo Y	-0.05%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR -2.6B
Average Volume	174.6x
Bv Per Share	13.73
CAPEX	EUR -30.3M
Ch1m	8.36
Ch1w	4.12
Ch1y	28.53
Ch3m	-0.13
Ch3y	120.2
Ch5y	199.8
Ch6m	16.32
Change	0.84%
Change From Open	0
Close	15.55
Days Gap	0.84
Earnings Date	2026-05-05
EPS	EUR 1.83
F Score	2
FCF	EUR -2.6B
Financing CF	-272,006,000
Fiscal Year End	December
Founded	1,910
Goodwill	291,342,000
Graham Number	23.75886
Graham Upside	51.52
Income Tax	EUR 247.2M
Investing CF	-6,518,000
Is Primary Listing	0
Last Earnings Date	2026-05-05
Last Report Date	2025-12-31
Lynch Fair Value	EUR 45.71
Lynch Upside	191.5
Ma150	14.65
Ma150ch	7.05%
Ma20	15.3
Ma20ch	2.48%
Net CF	-2,804,474,000
Next Earnings Date	2026-08-04
Open	15.68
Payment Date	2026-05-20
Ppne	442,534,000
Price Date	2026-05-08
Ptbv Ratio	1.28
Relative Volume	5.59x
Revenue	1,800,336,000x
Tax By Revenue	13.73x
Tax Rate	28.46%
Tr6m	16.32%

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/EAO dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+5.0%

$0.75 annual per share

Payout ratio

+41.2%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+30.3%

2 consecutive years of growth

Total shareholder yield

+5.1%

Next ex-dividend date: 2026-05-18

Performance

FRA/EAO stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/EAO?

Insider, institutional, and short-interest positioning.

Institutional ownership

+4.5%

Share of float held by funds and institutions

Insider ownership

n/a

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

-0.0%

Negative means the company is buying back shares.

Technical

FRA/EAO momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

61.4

Neutral momentum band

Price vs 200-day MA

+9.5%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

1.28

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/EAO

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/EAO stock rating?

fra/EAO is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/EAO analysis?

The full report lives at /stocks/fra/EAO/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/EAO?

The latest report frames fra/EAO around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/EAO page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.