CrediaBank S.A. (ATH:CREDIA)

CrediaBank Statistics

Total Valuation

CrediaBank has a market cap or net worth of EUR 2.35 billion.

Market Cap	2.35B
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, November 20, 2025.

Earnings Date	Nov 20, 2025
Ex-Dividend Date	n/a

Share Statistics

CrediaBank has 1.62 billion shares outstanding. The number of shares has decreased by -74.79% in one year.

Current Share Class	1.62B
Shares Outstanding	1.62B
Shares Change (YoY)	-74.79%
Shares Change (QoQ)	+0.55%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	3.98%
Float	123.75M

Valuation Ratios

The trailing PE ratio is 21.59.

PE Ratio	21.59
Forward PE	n/a
PS Ratio	10.89
PB Ratio	2.40
P/TBV Ratio	3.27
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-0.37
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.08%.

Return on Equity (ROE)	5.08%
Return on Assets (ROA)	0.38%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	175,332
Profits Per Employee	22,605
Employee Count	1,468
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CrediaBank has paid 2.40 million in taxes.

Income Tax	2.40M
Effective Tax Rate	7.95%

Stock Price Statistics

The stock price has increased by +165.49% in the last 52 weeks. The beta is 1.73, so CrediaBank's price volatility has been higher than the market average.

Beta (5Y)	1.73
52-Week Price Change	+165.49%
50-Day Moving Average	1.52
200-Day Moving Average	1.10
Relative Strength Index (RSI)	53.47
Average Volume (20 Days)	460,876

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, CrediaBank had revenue of EUR 215.48 million and earned 27.78 million in profits. Earnings per share was 0.07.

Revenue	215.48M
Gross Profit	203.38M
Operating Income	65.45M
Pretax Income	30.18M
Net Income	27.78M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.07

Balance Sheet

The company has 779.31 million in cash and 342.17 million in debt, giving a net cash position of 437.14 million or 0.27 per share.

Cash & Cash Equivalents	779.31M
Total Debt	342.17M
Net Cash	437.14M
Net Cash Per Share	0.27
Equity (Book Value)	976.21M
Book Value Per Share	0.60
Working Capital	-5.98B

Cash Flow

In the last 12 months, operating cash flow was -917.00 million and capital expenditures 3.05 million, giving a free cash flow of -913.95 million.

Operating Cash Flow	-917.00M
Capital Expenditures	3.05M
Free Cash Flow	-913.95M
FCF Per Share	-0.56

Margins

Gross Margin	n/a
Operating Margin	30.37%
Pretax Margin	14.01%
Profit Margin	12.89%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

CrediaBank does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	74.79%
Shareholder Yield	74.79%
Earnings Yield	1.18%
FCF Yield	-38.96%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number
Graham Upside

Stock Splits

The last stock split was on October 21, 2024. It was a reverse split with a ratio of 0.01.

Last Split Date	Oct 21, 2024
Split Type	Reverse
Split Ratio	0.01

Scores

Altman Z-Score	n/a
Piotroski F-Score	2