Financiera Confianza S.A.A. (BVL:FCONFIC1)

Financiera Confianza Statistics

Total Valuation

BVL:FCONFIC1 has a market cap or net worth of PEN 324.73 million.

Market Cap	324.73M
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, October 30, 2025.

Earnings Date	Oct 30, 2025
Ex-Dividend Date	Apr 15, 2025

Share Statistics

BVL:FCONFIC1 has 5.39 million shares outstanding. The number of shares has increased by 0.08% in one year.

Current Share Class	5.39M
Shares Outstanding	5.39M
Shares Change (YoY)	+0.08%
Shares Change (QoQ)	+0.00%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 7.74.

PE Ratio	7.74
Forward PE	n/a
PS Ratio	0.91
PB Ratio	0.73
P/TBV Ratio	0.79
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	-10.73
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.79%.

Return on Equity (ROE)	9.79%
Return on Assets (ROA)	1.57%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	127,170
Profits Per Employee	14,885
Employee Count	2,664
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, BVL:FCONFIC1 has paid 17.78 million in taxes.

Income Tax	17.78M
Effective Tax Rate	29.77%

Stock Price Statistics

The stock price has decreased by -2.07% in the last 52 weeks. The beta is 0.01, so BVL:FCONFIC1's price volatility has been lower than the market average.

Beta (5Y)	0.01
52-Week Price Change	-2.07%
50-Day Moving Average	60.26
200-Day Moving Average	60.57
Relative Strength Index (RSI)	n/a
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, BVL:FCONFIC1 had revenue of PEN 358.37 million and earned 41.95 million in profits. Earnings per share was 7.78.

Revenue	358.37M
Gross Profit	341.87M
Operating Income	76.76M
Pretax Income	59.72M
Net Income	41.95M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	7.78

Balance Sheet

The company has 300.31 million in cash and 459.33 million in debt, giving a net cash position of -159.02 million or -29.51 per share.

Cash & Cash Equivalents	300.31M
Total Debt	459.33M
Net Cash	-159.02M
Net Cash Per Share	-29.51
Equity (Book Value)	445.91M
Book Value Per Share	82.75
Working Capital	-1.88B

Cash Flow

In the last 12 months, operating cash flow was -40.13 million and capital expenditures -2.68 million, giving a free cash flow of -42.81 million.

Operating Cash Flow	-40.13M
Capital Expenditures	-2.68M
Free Cash Flow	-42.81M
FCF Per Share	-7.94

Margins

Gross Margin	n/a
Operating Margin	21.42%
Pretax Margin	16.67%
Profit Margin	11.70%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 1.27, which amounts to a dividend yield of 2.11%.

Dividend Per Share	1.27
Dividend Yield	2.11%
Dividend Growth (YoY)	26.77%
Years of Dividend Growth	n/a
Payout Ratio	13.03%
Buyback Yield	-0.08%
Shareholder Yield	2.03%
Earnings Yield	12.92%
FCF Yield	-13.18%

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 July 15, 2025. It was a forward split with a ratio of 1.016031405.

Last Split Date	Jul 15, 2025
Split Type	Forward
Split Ratio	1.016031405

Scores

Altman Z-Score	n/a
Piotroski F-Score	2