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 next estimated earnings date is Tuesday, January 20, 2026.

Earnings Date	Jan 20, 2026
Ex-Dividend Date	May 19, 2025

Share Statistics

BVL:MIBANC1 has 1.84 billion shares outstanding. The number of shares has decreased by -1.26% in one year.

Current Share Class	1.84B
Shares Outstanding	1.84B
Shares Change (YoY)	-1.26%
Shares Change (QoQ)	-0.81%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 6.11.

PE Ratio	6.11
Forward PE	n/a
PS Ratio	1.54
PB Ratio	1.18
P/TBV Ratio	1.34
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	-5.02
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 19.36%.

Return on Equity (ROE)	19.36%
Return on Assets (ROA)	2.97%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	205,596
Profits Per Employee	52,022
Employee Count	9,696
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, BVL:MIBANC1 has paid 198.66 million in taxes.

Income Tax	198.66M
Effective Tax Rate	28.26%

Stock Price Statistics

The stock price has decreased by -5.11% 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	-5.11%
50-Day Moving Average	1.67
200-Day Moving Average	1.72
Relative Strength Index (RSI)	1.08
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 1.99 billion and earned 504.40 million in profits. Earnings per share was 0.27.

Revenue	1.99B
Gross Profit	1.99B
Operating Income	747.01M
Pretax Income	703.06M
Net Income	504.40M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.27

Balance Sheet

The company has 2.13 billion in cash and 3.04 billion in debt, giving a net cash position of -907.99 million or -0.49 per share.

Cash & Cash Equivalents	2.13B
Total Debt	3.04B
Net Cash	-907.99M
Net Cash Per Share	-0.49
Equity (Book Value)	2.61B
Book Value Per Share	1.42
Working Capital	-9.56B

Cash Flow

In the last 12 months, operating cash flow was -589.66 million and capital expenditures -17.08 million, giving a free cash flow of -606.73 million.

Operating Cash Flow	-589.66M
Capital Expenditures	-17.08M
Free Cash Flow	-606.73M
FCF Per Share	-0.33

Margins

Gross Margin	n/a
Operating Margin	37.47%
Pretax Margin	35.27%
Profit Margin	25.30%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

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)	n/a
Years of Dividend Growth	1
Payout Ratio	103.52%
Buyback Yield	1.26%
Shareholder Yield	13.23%
Earnings Yield	16.41%
FCF Yield	-19.74%

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	2