Credifamilia Compañía de Financiamiento S.A. (BVC:CREDIFAMI)

BVC:CREDIFAMI Statistics

Total Valuation

BVC:CREDIFAMI has a market cap or net worth of COP 90.15 billion.

Market Cap	90.15B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Friday, November 14, 2025.

Earnings Date	Nov 14, 2025
Ex-Dividend Date	n/a

Share Statistics

BVC:CREDIFAMI has 36.06 million shares outstanding. The number of shares has decreased by -0.00% in one year.

Current Share Class	36.06M
Shares Outstanding	36.06M
Shares Change (YoY)	-0.00%
Shares Change (QoQ)	-0.00%
Owned by Insiders (%)	3.53%
Owned by Institutions (%)	22.87%
Float	8.25M

Valuation Ratios

The trailing PE ratio is 6.66.

PE Ratio	6.66
Forward PE	n/a
PS Ratio	1.48
PB Ratio	0.83
P/TBV Ratio	0.83
P/FCF Ratio	1.70
P/OCF Ratio	1.70
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

The company has a current ratio of 3.04, with a Debt / Equity ratio of 3.94.

Current Ratio	3.04
Quick Ratio	3.00
Debt / Equity	3.94
Debt / EBITDA	n/a
Debt / FCF	8.08
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 13.00%.

Return on Equity (ROE)	13.00%
Return on Assets (ROA)	1.69%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	0.08
Inventory Turnover	n/a

Taxes

In the past 12 months, BVC:CREDIFAMI has paid 2.46 billion in taxes.

Income Tax	2.46B
Effective Tax Rate	15.38%

Stock Price Statistics

Beta (5Y)	0.53
52-Week Price Change	n/a
50-Day Moving Average	2,500.00
200-Day Moving Average	2,500.00
Relative Strength Index (RSI)	100.00
Average Volume (20 Days)	n/a

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, BVC:CREDIFAMI had revenue of COP 61.12 billion and earned 13.53 billion in profits. Earnings per share was 375.21.

Revenue	61.12B
Gross Profit	61.06B
Operating Income	16.04B
Pretax Income	15.99B
Net Income	13.53B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	375.21

Balance Sheet

The company has 38.74 billion in cash and 427.50 billion in debt, giving a net cash position of -388.76 billion or -10,780.48 per share.

Cash & Cash Equivalents	38.74B
Total Debt	427.50B
Net Cash	-388.76B
Net Cash Per Share	-10,780.48
Equity (Book Value)	108.52B
Book Value Per Share	3,009.44
Working Capital	512.50B

Cash Flow

In the last 12 months, operating cash flow was 53.03 billion and capital expenditures -102.53 million, giving a free cash flow of 52.92 billion.

Operating Cash Flow	53.03B
Capital Expenditures	-102.53M
Free Cash Flow	52.92B
FCF Per Share	1,467.61

Margins

Gross margin is 99.91%, with operating and profit margins of 26.25% and 22.14%.

Gross Margin	99.91%
Operating Margin	26.25%
Pretax Margin	26.16%
Profit Margin	22.14%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	86.59%

Dividends & Yields

This stock pays an annual dividend of 130.17, which amounts to a dividend yield of 5.21%.

Dividend Per Share	130.17
Dividend Yield	5.21%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	3
Payout Ratio	35.86%
Buyback Yield	0.00%
Shareholder Yield	5.21%
Earnings Yield	15.01%
FCF Yield	58.70%

Fair Value

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

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	5