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 Friday, April 17, 2026.

Earnings Date	Apr 17, 2026
Ex-Dividend Date	n/a

Share Statistics

BVL:MIBANC1 has 1.84 billion shares outstanding. The number of shares has decreased by -0.05% in one year.

Current Share Class	1.84B
Shares Outstanding	1.84B
Shares Change (YoY)	-0.05%
Shares Change (QoQ)	-0.27%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	1.47M

Valuation Ratios

The trailing PE ratio is 5.59.

PE Ratio	5.59
Forward PE	n/a
PS Ratio	1.44
PB Ratio	1.11
P/TBV Ratio	1.26
P/FCF Ratio	7.80
P/OCF Ratio	6.63
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	10.03
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 20.73%.

Return on Equity (ROE)	20.73%
Return on Assets (ROA)	3.15%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	1.99%
Revenue Per Employee	219,484
Profits Per Employee	56,734
Employee Count	9,696
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, BVL:MIBANC1 has paid 198.22 million in taxes.

Income Tax	198.22M
Effective Tax Rate	26.49%

Stock Price Statistics

The stock price has decreased by -9.73% 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	-9.73%
50-Day Moving Average	1.67
200-Day Moving Average	1.67
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 2.13 billion and earned 550.09 million in profits. Earnings per share was 0.30.

Revenue	2.13B
Gross Profit	1.99B
Operating Income	770.16M
Pretax Income	748.31M
Net Income	550.09M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.30

Balance Sheet

The company has 4.31 billion in cash and 3.95 billion in debt, with a net cash position of 363.56 million or 0.20 per share.

Cash & Cash Equivalents	4.31B
Total Debt	3.95B
Net Cash	363.56M
Net Cash Per Share	0.20
Equity (Book Value)	2.77B
Book Value Per Share	1.50
Working Capital	-9.19B

Cash Flow

In the last 12 months, operating cash flow was 463.62 million and capital expenditures -69.72 million, giving a free cash flow of 393.90 million.

Operating Cash Flow	463.62M
Capital Expenditures	-69.72M
Depreciation & Amortization	n/a
Net Borrowing	-30.00M
Free Cash Flow	393.90M
FCF Per Share	0.21

Margins

Gross Margin	n/a
Operating Margin	36.19%
Pretax Margin	35.16%
Profit Margin	25.85%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	18.51%

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	n/a
Payout Ratio	61.50%
Buyback Yield	0.05%
Shareholder Yield	12.01%
Earnings Yield	17.90%
FCF Yield	12.81%

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