Creditex S.A.A. (BVL:CRETEXI1)

Creditex Ratios and Metrics

Market cap in millions PEN. Fiscal year is January - December.

Total Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 4, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	149	149	123	123	135	177
Market Cap Growth	0%	21.19%	-0.26%	-8.89%	-23.52%	40.69%
Enterprise Value	237	230	193	242	209	207
Last Close Price	0.80	0.80	0.81	0.84	0.67	0.67

Price Ratios

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 4, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	-	115.56	-	-	2.79	5.20
PS Ratio	0.49	0.46	0.35	0.38	0.31	0.52
PB Ratio	0.39	0.38	0.32	0.31	0.32	0.46
P/TBV Ratio	0.39	0.38	0.32	0.31	0.32	0.46
P/FCF Ratio	23.30	-	3.22	-	-	76.74
P/OCF Ratio	10.74	-	3.02	80.47	-	31.30

EV Ratios

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 4, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
EV/Sales Ratio	0.78	0.71	0.55	0.75	0.47	0.60
EV/EBITDA Ratio	-	16.65	19.21	37.72	2.75	4.04
EV/EBIT Ratio	-	122.17	-	-	3.23	5.20
EV/FCF Ratio	37.21	-	5.06	-	-	89.82

Financial Efficiency

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 4, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Debt / Equity Ratio	0.24	0.21	0.16	0.24	0.18	0.09
Debt / EBITDA Ratio	-	5.42	5.67	13.07	1.01	0.69
Debt / FCF Ratio	14.57	-	1.64	-	-	15.57
Net Debt / Equity Ratio	0.23	0.21	0.14	0.23	0.16	0.06
Net Debt / EBITDA Ratio	-16.63	5.81	5.55	14.28	0.90	0.48
Net Debt / FCF Ratio	13.90	-11.20	1.46	-34.38	-3.17	10.66
Asset Turnover	0.54	0.60	0.64	0.55	0.78	0.70
Inventory Turnover	1.37	1.43	1.51	1.18	1.54	1.69
Quick Ratio	0.75	0.68	0.95	0.58	0.57	0.99
Current Ratio	2.51	2.64	2.95	2.56	2.49	3.27
Return on Equity (ROE)	-3.84%	0.33%	-1.59%	-2.34%	12.01%	9.21%
Return on Assets (ROA)	-1.91%	0.22%	-0.22%	-0.60%	7.11%	5.05%
Return on Invested Capital (ROIC)	-3.61%	0.19%	-0.42%	-1.16%	11.29%	7.80%
Return on Capital Employed (ROCE)	-3.90%	0.40%	-0.40%	-1.30%	13.50%	9.00%

Yields

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 4, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Earnings Yield	-10.08%	0.86%	-5.09%	-7.76%	35.85%	19.23%
FCF Yield	4.29%	-4.82%	31.04%	-2.17%	-15.96%	1.30%
Dividend Yield	8.75%	-	-	-	10.41%	10.41%
Payout Ratio	-	2.80%	-	-	24.96%	35.48%
Total Shareholder Return	8.75%	-	-	-	10.41%	10.41%

Data Source: S&P Global Market Intelligence Last updated: Aug 17, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 5, 2026

Data Sources Report a data error