Creditex Statistics

Total Valuation

Creditex has a market cap or net worth of PEN 147.10 million. The enterprise value is 212.20 million.

Market Cap	147.10M
Enterprise Value	212.20M

Important Dates

The next estimated earnings date is Friday, August 15, 2025.

Earnings Date	Aug 15, 2025
Ex-Dividend Date	n/a

Share Statistics

Creditex has 173.67 million shares outstanding.

Current Share Class	10.48M
Shares Outstanding	173.67M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	15.27M

Valuation Ratios

The trailing PE ratio is 101.13.

PE Ratio	101.13
Forward PE	n/a
PS Ratio	0.40
PB Ratio	0.38
P/TBV Ratio	0.38
P/FCF Ratio	8.40
P/OCF Ratio	7.23
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 10.94, with an EV/FCF ratio of 12.12.

EV / Earnings	154.44
EV / Sales	0.58
EV / EBITDA	10.94
EV / EBIT	33.96
EV / FCF	12.12

Financial Position

The company has a current ratio of 2.71, with a Debt / Equity ratio of 0.19.

Current Ratio	2.71
Quick Ratio	0.89
Debt / Equity	0.19
Debt / EBITDA	3.75
Debt / FCF	4.16
Interest Coverage	1.23

Financial Efficiency

Return on equity (ROE) is 0.35% and return on invested capital (ROIC) is 0.83%.

Return on Equity (ROE)	0.35%
Return on Assets (ROA)	0.71%
Return on Invested Capital (ROIC)	0.83%
Return on Capital Employed (ROCE)	1.43%
Revenue Per Employee	151,987
Profits Per Employee	575
Employee Count	2,419
Asset Turnover	0.66
Inventory Turnover	1.54

Taxes

In the past 12 months, Creditex has paid 655,000 in taxes.

Income Tax	655,000
Effective Tax Rate	32.28%

Stock Price Statistics

The stock price has decreased by -1.23% in the last 52 weeks. The beta is 0.21, so Creditex's price volatility has been lower than the market average.

Beta (5Y)	0.21
52-Week Price Change	-1.23%
50-Day Moving Average	0.81
200-Day Moving Average	0.81
Relative Strength Index (RSI)	0.00
Average Volume (20 Days)	389

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 363.25 million and earned 1.37 million in profits. Earnings per share was 0.01.

Revenue	363.25M
Gross Profit	43.96M
Operating Income	6.25M
Pretax Income	2.03M
Net Income	1.37M
EBITDA	18.18M
EBIT	6.25M
Earnings Per Share (EPS)	0.01

Full Income Statement

Balance Sheet

The company has 7.72 million in cash and 72.83 million in debt, giving a net cash position of -65.11 million or -0.37 per share.

Cash & Cash Equivalents	7.72M
Total Debt	72.83M
Net Cash	-65.11M
Net Cash Per Share	-0.37
Equity (Book Value)	392.19M
Book Value Per Share	2.26
Working Capital	186.72M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 20.35 million and capital expenditures -2.83 million, giving a free cash flow of 17.51 million.

Operating Cash Flow	20.35M
Capital Expenditures	-2.83M
Free Cash Flow	17.51M
FCF Per Share	0.10

Full Cash Flow Statement

Margins

Gross margin is 12.10%, with operating and profit margins of 1.72% and 0.38%.

Gross Margin	12.10%
Operating Margin	1.72%
Pretax Margin	0.56%
Profit Margin	0.38%
EBITDA Margin	5.01%
EBIT Margin	1.72%
FCF Margin	4.82%

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	5.24%
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	0.93%
FCF Yield	11.90%

Dividend Details

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

Creditex has an Altman Z-Score of 2.03 and a Piotroski F-Score of 7. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	2.03
Piotroski F-Score	7