CrediaBank S.A. (ATH:CREDIA)

CrediaBank Statistics

Total Valuation

CrediaBank has a market cap or net worth of EUR 2.27 billion.

Market Cap	2.27B
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, March 5, 2026.

Earnings Date	Mar 5, 2026
Ex-Dividend Date	n/a

Share Statistics

CrediaBank has 1.62 billion shares outstanding. The number of shares has increased by 291.29% in one year.

Current Share Class	1.62B
Shares Outstanding	1.62B
Shares Change (YoY)	+291.29%
Shares Change (QoQ)	-4.40%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	3.16%
Float	123.75M

Valuation Ratios

The trailing PE ratio is 148.94.

PE Ratio	148.94
Forward PE	n/a
PS Ratio	9.15
PB Ratio	2.31
P/TBV Ratio	3.16
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	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 1.64%.

Return on Equity (ROE)	1.64%
Return on Assets (ROA)	0.19%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	11.03%
Revenue Per Employee	205,936
Profits Per Employee	12,658
Employee Count	1,202
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CrediaBank has paid 48.88 million in taxes.

Income Tax	48.88M
Effective Tax Rate	76.26%

Stock Price Statistics

The stock price has increased by +68.27% in the last 52 weeks. The beta is 1.63, so CrediaBank's price volatility has been higher than the market average.

Beta (5Y)	1.63
52-Week Price Change	+68.27%
50-Day Moving Average	1.39
200-Day Moving Average	1.35
Relative Strength Index (RSI)	59.82
Average Volume (20 Days)	841,465

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 247.54 million and earned 15.22 million in profits. Earnings per share was 0.01.

Revenue	247.54M
Gross Profit	238.13M
Operating Income	96.29M
Pretax Income	64.09M
Net Income	15.22M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.01

Balance Sheet

The company has 209.04 million in cash and 445.53 million in debt, with a net cash position of -236.49 million or -0.15 per share.

Cash & Cash Equivalents	209.04M
Total Debt	445.53M
Net Cash	-236.49M
Net Cash Per Share	-0.15
Equity (Book Value)	978.78M
Book Value Per Share	0.60
Working Capital	-5.96B

Cash Flow

Operating Cash Flow	-828.80M
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	25.75M
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	38.90%
Pretax Margin	25.89%
Profit Margin	6.15%
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	-291.29%
Shareholder Yield	-291.29%
Earnings Yield	0.67%
FCF Yield	n/a

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