Creditex S.A.A. (BVL:CRETEXC1)

Creditex Statistics

Total Valuation

Creditex has a market cap or net worth of PEN 148.73 million. The enterprise value is 146.44 million.

Market Cap	148.73M
Enterprise Value	146.44M

Important Dates

The next estimated earnings date is Monday, March 2, 2026.

Earnings Date	Mar 2, 2026
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	163.19M
Shares Outstanding	n/a
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 14.35.

PE Ratio	14.35
Forward PE	n/a
PS Ratio	0.43
PB Ratio	0.37
P/TBV Ratio	0.37
P/FCF Ratio	47.26
P/OCF Ratio	19.90
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 5.45, with an EV/FCF ratio of 46.53.

EV / Earnings	14.13
EV / Sales	0.43
EV / EBITDA	5.45
EV / EBIT	10.53
EV / FCF	46.53

Financial Position

The company has a current ratio of 2.64, with a Debt / Equity ratio of 0.01.

Current Ratio	2.64
Quick Ratio	0.72
Debt / Equity	0.01
Debt / EBITDA	0.11
Debt / FCF	0.96
Interest Coverage	3.45

Financial Efficiency

Return on equity (ROE) is 2.63% and return on invested capital (ROIC) is 2.00%.

Return on Equity (ROE)	2.63%
Return on Assets (ROA)	1.56%
Return on Invested Capital (ROIC)	2.00%
Return on Capital Employed (ROCE)	3.10%
Revenue Per Employee	143,414
Profits Per Employee	4,336
Employee Count	2,419
Asset Turnover	0.62
Inventory Turnover	1.39

Taxes

In the past 12 months, Creditex has paid 3.07 million in taxes.

Income Tax	3.07M
Effective Tax Rate	22.87%

Stock Price Statistics

The stock price has increased by +22.86% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+22.86%
50-Day Moving Average	0.86
200-Day Moving Average	0.79
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, Creditex had revenue of PEN 342.76 million and earned 10.36 million in profits.

Revenue	342.76M
Gross Profit	51.83M
Operating Income	13.91M
Pretax Income	13.43M
Net Income	10.36M
EBITDA	25.84M
EBIT	13.91M
Earnings Per Share (EPS)	n/a

Balance Sheet

The company has 5.31 million in cash and 3.02 million in debt, giving a net cash position of 2.29 million.

Cash & Cash Equivalents	5.31M
Total Debt	3.02M
Net Cash	2.29M
Net Cash Per Share	n/a
Equity (Book Value)	399.37M
Book Value Per Share	n/a
Working Capital	191.25M

Cash Flow

In the last 12 months, operating cash flow was 7.47 million and capital expenditures -4.33 million, giving a free cash flow of 3.15 million.

Operating Cash Flow	7.47M
Capital Expenditures	-4.33M
Free Cash Flow	3.15M
FCF Per Share	n/a

Margins

Gross margin is 15.12%, with operating and profit margins of 4.06% and 3.02%.

Gross Margin	15.12%
Operating Margin	4.06%
Pretax Margin	3.92%
Profit Margin	3.02%
EBITDA Margin	7.54%
EBIT Margin	4.06%
FCF Margin	0.92%

Dividends & Yields

Creditex 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	0.36%
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	6.97%
FCF Yield	2.12%

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

The last stock split was on June 17, 2004. It was a forward split with a ratio of 1.01452.

Last Split Date	Jun 17, 2004
Split Type	Forward
Split Ratio	1.01452

Scores

Altman Z-Score	n/a
Piotroski F-Score	6