Mibanco Banco de la Microempresa S.A. (BVL:MIBANC1)

BVL:MIBANC1 Statistics

Total Valuation

BVL:MIBANC1 has a market cap or net worth of PEN 3.07 billion.

Market Cap	3.07B
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, July 17, 2025.

Earnings Date	Jul 17, 2025
Ex-Dividend Date	May 19, 2025

Share Statistics

BVL:MIBANC1 has 1.84 billion shares outstanding. The number of shares has decreased by -0.13% in one year.

Current Share Class	1.84B
Shares Outstanding	1.84B
Shares Change (YoY)	-0.13%
Shares Change (QoQ)	+0.65%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	93.32M

Valuation Ratios

The trailing PE ratio is 7.34.

PE Ratio	7.34
Forward PE	n/a
PS Ratio	1.65
PB Ratio	1.26
P/TBV Ratio	1.44
P/FCF Ratio	112.15
P/OCF Ratio	61.10
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	95.88
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 16.86%.

Return on Equity (ROE)	16.86%
Return on Assets (ROA)	2.49%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	192,175
Profits Per Employee	43,252
Employee Count	9,696
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, BVL:MIBANC1 has paid 156.65 million in taxes.

Income Tax	156.65M
Effective Tax Rate	27.19%

Stock Price Statistics

The stock price has decreased by -4.90% in the last 52 weeks. The beta is 0.05, so BVL:MIBANC1's price volatility has been lower than the market average.

Beta (5Y)	0.05
52-Week Price Change	-4.90%
50-Day Moving Average	1.67
200-Day Moving Average	1.74
Relative Strength Index (RSI)	1.00
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, BVL:MIBANC1 had revenue of PEN 1.86 billion and earned 419.38 million in profits. Earnings per share was 0.23.

Revenue	1.86B
Gross Profit	1.86B
Operating Income	619.49M
Pretax Income	576.02M
Net Income	419.38M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.23

Balance Sheet

The company has 4.13 billion in cash and 2.63 billion in debt, giving a net cash position of 1.51 billion or 0.82 per share.

Cash & Cash Equivalents	4.13B
Total Debt	2.63B
Net Cash	1.51B
Net Cash Per Share	0.82
Equity (Book Value)	2.45B
Book Value Per Share	1.33
Working Capital	-8.58B

Cash Flow

In the last 12 months, operating cash flow was 50.31 million and capital expenditures -22.90 million, giving a free cash flow of 27.41 million.

Operating Cash Flow	50.31M
Capital Expenditures	-22.90M
Free Cash Flow	27.41M
FCF Per Share	0.01

Margins

Gross Margin	n/a
Operating Margin	33.25%
Pretax Margin	30.91%
Profit Margin	22.51%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	1.47%

Dividends & Yields

This stock pays an annual dividend of 0.20, which amounts to a dividend yield of 11.96%.

Dividend Per Share	0.20
Dividend Yield	11.96%
Dividend Growth (YoY)	16.08%
Years of Dividend Growth	1
Payout Ratio	124.51%
Buyback Yield	0.13%
Shareholder Yield	12.09%
Earnings Yield	13.64%
FCF Yield	0.89%

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 August 18, 2022. It was a forward split with a ratio of 1.07350458.

Last Split Date	Aug 18, 2022
Split Type	Forward
Split Ratio	1.07350458

Scores

Altman Z-Score	n/a
Piotroski F-Score	3