CrediaBank S.A. (ATH:CREDIA)

CrediaBank Statistics

Total Valuation

CrediaBank has a market cap or net worth of EUR 2.55 billion.

Market Cap	2.55B
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, May 21, 2026.

Earnings Date	May 21, 2026
Ex-Dividend Date	n/a

Share Statistics

CrediaBank has 1.99 billion shares outstanding. The number of shares has increased by 156.87% in one year.

Current Share Class	1.99B
Shares Outstanding	1.99B
Shares Change (YoY)	+156.87%
Shares Change (QoQ)	+4.17%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	2.74%
Float	569.72M

Valuation Ratios

The trailing PE ratio is 98.02 and the forward PE ratio is 34.86.

PE Ratio	98.02
Forward PE	34.86
PS Ratio	10.20
PB Ratio	2.60
P/TBV Ratio	3.56
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	-0.60
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 2.47%.

Return on Equity (ROE)	2.47%
Return on Assets (ROA)	0.29%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	10.40%
Revenue Per Employee	208,155
Profits Per Employee	19,075
Employee Count	1,202
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CrediaBank has paid 51.98 million in taxes.

Income Tax	51.98M
Effective Tax Rate	69.39%

Stock Price Statistics

The stock price has increased by +65.38% in the last 52 weeks. The beta is 1.51, so CrediaBank's price volatility has been higher than the market average.

Beta (5Y)	1.51
52-Week Price Change	+65.38%
50-Day Moving Average	1.23
200-Day Moving Average	1.41
Relative Strength Index (RSI)	54.16
Average Volume (20 Days)	2,675,168

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 250.20 million and earned 22.93 million in profits. Earnings per share was 0.01.

Revenue	250.20M
Gross Profit	240.79M
Operating Income	107.33M
Pretax Income	74.91M
Net Income	22.93M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.01

Balance Sheet

The company has 424.56 million in cash and 527.12 million in debt, with a net cash position of -102.55 million or -0.05 per share.

Cash & Cash Equivalents	424.56M
Total Debt	527.12M
Net Cash	-102.55M
Net Cash Per Share	-0.05
Equity (Book Value)	981.20M
Book Value Per Share	0.60
Working Capital	-6.37B

Cash Flow

In the last 12 months, operating cash flow was -882.00 million and capital expenditures 2.48 million, giving a free cash flow of -879.52 million.

Operating Cash Flow	-882.00M
Capital Expenditures	2.48M
Depreciation & Amortization	n/a
Net Borrowing	126.31M
Free Cash Flow	-879.52M
FCF Per Share	-0.44

Margins

Gross Margin	n/a
Operating Margin	42.90%
Pretax Margin	29.94%
Profit Margin	9.16%
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	-156.87%
Shareholder Yield	-156.87%
Earnings Yield	0.90%
FCF Yield	-34.48%

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